Manage your bank, not your model

Segment-based Deposit Pricing < BAI Banking Strategies

In a world of excess deposits, banks must price for quality over quantity, with effective customer segmentation analytics the key to achieving that. via www.bai.org Read more →

Skeptics on the Federal Reserve Board

Here’s a link to the video and minutes from the Open Board Meeting on June 7, 2012. The purpose of the meeting is to discuss Basel III. There is one question from Governor Raskin about the proposed regulatory requirements to... Read more →

Banks Place More Chips on Long-Dated Securities < Am Bkr

The selloff in Treasuries that extended through much of this month underscores the dangers of adding exposure to long-dated bonds to pad yields on securities portfolios. via www.americanbanker.com Read more →

Tuned out

It’s no secret that bank examiners are pressuring community banks to step-up their interest rate risk measurement processes. Armed with the new “requirements” (and I use that term loosely) that were outlined in the 2010 IRR Advisory, examiners are asking... Read more →

OCC to Seek out IRR Outliers < Bk Safety & Soundness Adv

Community banks have been taking on interest rate risk and the regulators have noticed. With interest rates so low and margins so tight for so long, many community banks have been taking in large amounts of non-maturity deposits and, at... Read more →