Winding down specials will reduce interest rate risk, while a shorter liability profile can protect net margin.
Banks hoping for a successful new product roll-out need to roll up their sleeves and dig much deeper than the vendor’s statement of work.
An analysis of the link between the asset size of banks and the yield they pay on deposits shows that the bigger the bank, the lower the yield.
Successful bank mergers require one often-overlooked feature: price and product integration.
As baby boomers retire, they are likely to avoid the traditional time deposit in favor of customized solutions that address their needs more directly.
Timely information about competitor deposit pricing behavior can save a bank substantial interest expense.
The soon-to-expire unlimited deposit insurance coverage for noninterest-bearing transaction accounts had a marginal impact on balances over $250,000.
In a world of excess deposits, banks must price for quality over quantity, with effective customer segmentation analytics the key to achieving that.