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Managing Loan Life to Manage Bank Performance

South State Correspondent

As we continue with a focus on managing loan life, we would like to demonstrate how the average expected life of a loan portfolio affects the efficiency ratio and competitive pressure for a bank by reviewing a specific example of two identical portfolios but with different average expected lives.

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Maximizing CECL data for strategic insights

Abrigo

Here are five ways financial institutions can make the most of their CECL data to help with competitive positioning, more effective pricing, asset/liability management (ALM), and other decision-making: Peer analysis and comparison We often categorize data into two types: raw/input data and the output, or enriched data.

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Here Is a Comparison of 6 Bank Pricing Strategies

South State Correspondent

As such, unit pricing and yield management are more difficult than they are in other industries. Competitive pricing cedes all price positioning and strategy to the competition and makes a bank dependent on its competition for managing volume and profit. When you sell a loan or a deposit, you sell a product PLUS a volume.

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You Need to Understand These Reasons for Bank Consolidation

South State Correspondent

Understanding the drivers of banking consolidation is imperative when managing bank performance. These two acts took the governors off around how banks managed deposits. These acts created a competitive vortex marking a paradigm shift around the concept of bank management. Treasury bills in comparison, were approximately 11.5%

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How to Build a Bank Website For AI Agents

South State Correspondent

At present, we track 150+ AI agent platforms that households and business can use right now to manage banking products. With the rise of autonomous agents acting on behalf of userswhether individuals using AI assistants or businesses employing agents to manage financesbanks need to rethink their digital architecture. The solution?

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Whole Paycheck Tracker: Target, Walmart Comparison Uncovers Different Digital-First Strategies

PYMNTS

By a strict look at the macro numbers, Target still pales in comparison. And when attention turns to loyalty programs, the comparison is even more dramatic. It won’t compete on a scale level, but Target’s management team and commitment to eCommerce make it a retailer to watch as it grows. Stores: Walmart, 11,500; Target, 1,868.

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Managing Time Deposits – How To Use “Specials” And Odd-Month CDs

South State Correspondent

Something might be getting lost in the tribal knowledge of managing time deposits. In this article, we highlight how to better manage time deposits to prevent banks from destroying value. The CD market was born and managing time deposits was a new banking skill.