- + Solving the Three-Body Problem in Banking—The “Three-Body Problem,” currently made popular by our new favorite author, Cixin Liu, is the concept of instability when three similar-s...
- + How The Market Gets Interest Rate Predictions Wrong—In a few short months, stronger economic data (higher GDP, stronger job market, and stubborn inflation) changed the market’s and the Fed’s view on the...
- + 5 Campaigns to Increase Deposits Targeting Digital Wallets—Bankers often overlook how much money is stored in digital wallets away from their bank. While the amounts are relatively small on an individual basis...
- + 8 Lessons From The Jamie Dimon Shareholder Letter—Robert Wilmers, the CEO of M&T, used to write one of the best bank investor letters. With Mr. Wilmers retired, we are down to two “must read...
- + Bank Earnings Call Questions – Get Ready for These—Now that 1Q is in the books, if you are a public bank, you may have an earnings call coming up in some form. We want to better prepare you and get you...
- + How To Let Borrowers Choose the Wrong Loan Structure—We estimate that the average contractual loan commitment for term credit at community banks has decreased from just under five years in 2022 to just u...
- + Here is What We Learned at CBA Live—The 2024 annual Consumer Banking Association conference (CBA Live) took place in Washington, D.C., over three days last week. Overarching topics (by w...
- + How Federal Debt May Impact Banking—The Federal debt is already impacting banking. Cyclical economic changes are driven by business cycles. These changes may occur swiftly, such as inter...
- + Investing in America: 7 Strategies and 7 Tactics That Can Drive Business—The Biden Administration “Investing in America” agenda continues with many programs opening in June of this year. If your bank has not done so already...
- + 5 Variables That Help Commercial Relationship Profitability—In our previous articles ( here and here and here ) we discussed some of the drivers of commercial relationship profitability. In this article, we...
- + Charm Pricing in Banking: How To Use The Left Digit—Most banks completely ignore odd digit pricing. Instead of offering that competitive commercial loan for 7.00%, you offer the loan for 6.99%. Converse...
- + Cross-Selling and Upselling – 2 Drivers of Relationship Profitability—In two previous articles ( here and here ) we discussed how loan size and loan term affect the profitability of commercial loans. We continue this ...
As of 4/26/24 7:47am. Last new 4/23/24 2:01pm. Score: 401
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