South State Correspondent

JULY 21, 2024

The biggest surprise for bank managers using risk-adjusted return on capital (RAROC) loan pricing models is the low return on equity (ROE) on smaller, shorter, and lower-credit quality commercial loans. Those ROEs tend to subtract substantial value from the bank and show negative returns – sometimes in the negative double digits. However, one aspect that many bankers do not address when using RAROC models is that prepayment speeds are a significant driver of negative ROEs, and adjusting loans

Community Bank 195

Community Bank Community Analysis Capital 195

Payments Dive

JULY 21, 2024

While some community groups spoke in favor of the $35.3 billion merger at the Friday virtual meeting, a raft of critics urged regulators to block the deal.

Capital 195

Capital Community Meeting Regulation 195

ATM Marketplace

JULY 21, 2024

This whitepaper delves into the emerging threat of deep insert skimming, a sophisticated form of ATM fraud characterized by wafer-thin devices hidden inside card readers, making detection challenging.

ATM 108

ATM Fraud Cards 108

The Paypers

JULY 21, 2024

Netherlands-based financial service provider Mollie has entered a strategic partnership with JTL to deliver optimised payment options to merchants.

Payments 36

Payments 36

Advertisement

Join us in this webinar, where we share best practices on how to think about the reconciliation work each month, when best to do reconciliations, how they should be prepared, and some common pitfalls to avoid. Learning Objectives: This course objective is to understand how to properly prepare and review balance sheet reconciliations and its impact on the financial statements.

Groups

American Banker

JULY 21, 2024

Vice President Kamala Harris, the most likely choice to replace President Joe Biden on top of the Democratic presidential ticket in November, has a long and complicated history with the banking industry.

Industry 85

Industry Policies Compliance Regulation 85

American Banker

JULY 21, 2024

Investors are set to start the week scrambling to decide if President Joe Biden's decision to end his reelection campaign and endorse Vice President Kamala Harris increases or decreases Donald Trump's chances of regaining power.

Marketing 28

Marketing Policies 28