South State Correspondent

AUGUST 14, 2024

If managing loan pricing is a college-level course, deposit pricing is a master’s. Given the complexity, managing analyzed checking, however, is a PhD. We covered the basics of account analysis in Part 1 ( HERE ), and in this article, we highlight best practices for managing an analyzed transaction account. level effort.

How To 195

How To Analysis Management Training 195

South State Correspondent

FEBRUARY 27, 2024

Bankers need to manage credit relationships to ROA/ROE and not credit spreads. Market Intelligence We analyzed the last 1000 loans priced on our hedging desk, and the credit spread, and size are plotted below. Many banks target profitable commercial clients.

How To 195

How To Community Bank Community Management 195

PYMNTS

DECEMBER 9, 2020

Managing credit risk used to be a reactive process. Bank customers would fall behind on their payments, and their banks might react by imposing fees or having a case manager work with them to bring their accounts back up to speed. The only question is how banks can ensure that they are employing the best strategies to apply them.

How To 245

How To Management Report Strategy 245

South State Correspondent

AUGUST 22, 2023

If one product is the future of banking, it is treasury management. In this article, we detail the five steps to building a treasury management strategy, provide some tools to execute those steps, and then provide a complimentary survey to assess your strengths and weaknesses. It starts by targeting the right customers.

Management 195

Management Community Bank Survey Community 195

South State Correspondent

JUNE 27, 2024

Because of the option to add or remove deposit balances over time, deposit management is one of the more complicated endeavors in banking. Add a three month CD option for your customers and the duration of your money market accounts can noticeably get reduced. Building better deposit performance is more complicated.

How To 195

How To Metro Marketing America 195

Perficient

JULY 1, 2020

The need for a seamless customer experience, speed to market, product and pricing transparency, and value of informational content in the B2B space has grown exponentially, meaning manufacturers have been creating more content and product information for their respective digital networks including one of their key channels– their distributors.

Management 322

Management How To System Guidelines 322

Abrigo

FEBRUARY 6, 2024

Where to begin Develop a member business lending strategy Developing a sound MBL strategy, or tightening an existing one, can help credit unions achieve long-term success in managing member business lending risks. Get ready for the next credit cycle with credit department housekeeping tips from this webinar.

Lending 221

Lending How To Risk Management Policies 221

South State Correspondent

SEPTEMBER 4, 2024

This article breaks down the return for utilizing Copilot in banking and how to get the most out of the tool. Driving Value from Copilot The value of Copilot is correlated to the extent to which bank employees use M365 applications to create content or manage projects. Not all Copilot executions are equal.

How To 195

How To Training Tools Resources 195

South State Correspondent

DECEMBER 14, 2023

How RFM Customer Segmentation Analysis Works Recency, Frequency, and Monetary value are each aspect of a customer trait that denotes some value in banking. What Questions Does RFM Customer Segmentation Answer RFM analysis helps bank marketers and management find answers to the following questions: Who are our best customers?

Analysis 195

Analysis How To Marketing Data 195

Abrigo

OCTOBER 9, 2024

How to build a successful Q factor framework under CECL Understanding the quantitative side of the CECL calculation means developing defensible qualitative factors, or Q factors. The challenge for many institutions is determining how much weight to assign to each Q factor. Learn best practices to adjust for risk.

Risk Management 195

Risk Management Management Compliance Data 195

Abrigo

JUNE 28, 2024

Navigating interest rate management in today's environment As regulators focus on interest rate risk management, read about what financial institutions can do to be ready for a rate drop. You might also like this on-demand webinar, "Navigating uncertain times: Strategies for effective risk management and compliance."

Community Bank 195

Community Bank Strategy Community Management 195

South State Correspondent

MAY 20, 2019

BANK EMAIL BENCHMARKS Send a bank marketing email out, and chances are 15% never reach the prospect’s inbox. Bankers have been working hard at collecting email addresses and managing the distribution list. Email is one of the most effective forms of marketing we do, and the plan is to do more of it in the next year.

Marketing 274

Marketing How To Management 274

South State Correspondent

FEBRUARY 22, 2024

Bank management is hyper-focused on net interest margin. Expense control, loan growth targets, managing cost of funds and customer acquisition dominate executives’ time. Think about how much time your bank spends on trying to forecast the economy, discussing what loans to make or how much liquidity to keep. is step one.

How To 195

How To Capital Strategy Lending 195

South State Correspondent

FEBRUARY 22, 2023

With loans, it’s hard to discern expert-level skills unless you know the market and the credit. Non-Expert Deposit Pricing Management – How To Destroy Bank Franchise Value The best way to quickly destroy value is to peg a deposit product to an index such as SOFR, Prime, Fed Funds, or Treasuries.

Management 195

Management Marketing Branding Strategy 195

South State Correspondent

SEPTEMBER 20, 2023

The treasury or cash management customer is usually a bank’s most profitable customer on a risk-adjusted basis ( HERE ). In this article, we discuss cash management profitability and rank the most profitable industries for banks to go after. Cash flow stability is also a factor in cash management profitability.

Management 195

Management Survey Industry Community Bank 195

South State Correspondent

APRIL 19, 2023

In this article, we will look at deposit performance data related to high balances and show how banks can dramatically increase value by restructuring relationship-based products and better-allocating marketing/sales dollars more efficiently. This is over three times the life of a money market account that is over $1mm in balances.

How To 195

How To Examples Resources Marketing 195

Perficient

NOVEMBER 19, 2020

On November 11, John O’Rourke, VP of Product Marketing and Communications for Onestream, and Saju Philips, Director at Perficient, hosted a webinar: How to Transform Finance with a Unified Platform for Planning, Reporting and Analytics. You don’t have to navigate the transition to OneStream alone.

How To 309

How To User Experience Analytics Software 309

South State Correspondent

JANUARY 10, 2024

This article examines why the standard way to value a bank is flawed and how to have a better methodology. The Better Way to Calculate Value: Customers and Product If you lower deposit rates in this market, you will likely lose customers to competition that may be paying 5% or greater. Now, we want to add another layer.

Management 195

Management Examples Marketing Millennials 195

Abrigo

MAY 24, 2024

Takeaway 1 Implementing the FedNow Service can help reduce interbank obligations, expand market reach, and enhance customer experiences. Takeaway 2 It's important to review resources on how to prepare for FedNow and also look internally to create a plan for your unique financial institution.

How To 243

How To Fraud Resources Georgia 243

South State Correspondent

JANUARY 2, 2024

How should lenders discuss interest rates in 2024, and what advice should relationship managers provide their clients about banking products? First, we believe the market to be a poor predictor of future economic states. No one can predict the future accurately, but using market expectations is the best place to start.

How To 195

How To St. Louis Lending Marketing 195

South State Correspondent

SEPTEMBER 20, 2022

Last week, the American Banking Association (ABA) held its annual Bank Marketing Conference in Denver, receiving rave reviews. The theme was – developing your marketing superpowers. Amid the brewery networking, superhero costumes, and fun, some fantastic bank marketing lessons were had, and not just for bank marketers.

Conference 195

Conference Marketing social media Data 195

South State Correspondent

JANUARY 25, 2024

If rates rise, the bank eats this cost often not knowing that there is a negative mark-to-market value on the loan from Day One. The most interesting technique in today’s market is to forward rate lock loans by simultaneously appealing to borrower’s fear and greed and taking advantage of the inverted yield curve.

How To 195

How To Community Bank Community National 195

South State Correspondent

FEBRUARY 18, 2024

Hedge Requirements Within a Bank Loan Term Sheet The loan term sheet language dealing with hedge requirements raises the old question of how to allocate interest rate risk (which can translate to credit risk – as we have seen over the last 12 months) between the borrower and the lender.

Management 195

Management National Guidelines Capital 195

South State Correspondent

FEBRUARY 20, 2023

Understanding the competitive banking landscape helps community banks set proper pricing, respond to rival marketing, and compete more effectively. The largest 100 banks dominate the industry with almost 75% of the market share. The number of banks that control the domestic loan market is summarized in the table below.

National 195

National Lending How To Community Bank 195

Perficient

OCTOBER 20, 2020

Investing in advanced supply chain automation and intelligent order management (OM) systems will not only improve how your organization fulfills against extreme demand but also serves your consumers more effectively in the end. The Business Impact of Outdated, Manual Systems.

System 324

System How To Customer Experience Meeting 324

Abrigo

JANUARY 27, 2022

Higher Fed Rates Ahead: Plan Now to Manage Impact on Deposits The Fed's signal of higher interest rates reiterates the importance of financial institution ALM and deposit management strategies, policies, and programs. . Market volatility could generate another surge. However, without proper planning, the joy may be short-lived.

Strategy 195

Strategy Management Policies Lending 195

Perficient

NOVEMBER 10, 2020

OneStream is a driving force that enables financial transformation and helps organizations move to the next level of corporate performance management (CPM). Join us to learn why OneStream is a market disrupter in CPM with 100% customer success and referenceability. How you can streamline your financial close processes.

How To 309

How To Analytics Report Analysis 309

Perficient

DECEMBER 23, 2020

Manufacturers face a common challenge when trying to respond to unplanned market events that may impact business financial forecasts as well as sales and operations planning processes: having a single view of the business plan, with the right indicators can improve timeliness of key decisions.

Marketing 309

Marketing Management US Operations 309

Abrigo

JUNE 11, 2021

Would you like other articles on asset/liability management in your inbox? Takeaway 1 Regulators stress sound risk management practices that include the ability to identify and measure interest rate risk (IRR). The emphasis on effective systems and tools to measure interest rate risk is especially critical in the current environment.

How To 195

How To Risk Management Analysis Kansas City 195

Abrigo

MARCH 21, 2023

You might also like this video on managing interest rate risk. Takeaway 3 Diving deeper into depositor pricing and evaluating loan pricing to ensure compensation for the risk are among strategies to manage interest rate risk. Stay up to date with Abrigo advisors' ideas for managing interest rate risk.

Risk Management 195

Risk Management Management Strategy Lending 195

Abrigo

DECEMBER 17, 2021

Takeaway 2 When evaluating a fintech partnership, ask how the vendor will help with integration, training, and ongoing success. Takeaway 3 Many FIs will price-compare vendors, but neglect to consider potential hidden costs , especially when managing multiple vendors. Will it make their jobs easier? Will they be more successful?

Fintech 195

Fintech How To Innovation System 195

Abrigo

AUGUST 29, 2022

Many banks and credit unions have adopted sophisticated risk-management practices, and their board of directors has to play an active role in ensuring that risks are well understood in overseeing risk exposure. However, not all collateral is created equally : marketability of the asset, sales costs and access to collateral all affect value.

How To 195

How To Lending Risk Management Analysis 195