The Banking Industry is Asking What is the Destiny of Community Banks?
What is the destiny of community banks?
It’s undeniable that technology and non-bank businesses have introduced new options for bank customers and a topic of discussion these days is What is the destiny of community banks? The answer to the question depends on the response of the banks themselves.
Whether customers c...
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Cybersecurity in Banking Becomes Even More Important in 2015
Cybersecurity in Banking Becomes Even More Important in 2015
Cybersecurity in banking
In a survey of professionals sponsored by IT developer, GFI Software, 43% of participants felt that the major target of hackers and identity thieves would switch from retailers to banks in 2015. The growing complexity of cyber attacks presents a major threat to the US economy and the global financi...
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With All of the New Found Technology, Are Bank Branches Becoming a Thing of the Past?
With All of the New Found Technology, Are Bank Branches Becoming a Thing of the Past?
Are bank branches a thing of the past?
Are bank branches becoming a thing of the past? With all of the technology resources at our fingertips, in the future, doing banking in person will be obsolete. Remember the days when you had to use your lunch break just to get your banking done? Those days are...
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2014 Sees Profitability of Commercial Loans at Banks In Nevada Rise Sharply
2014 Sees Profitability of Commercial Loans at Banks In Nevada Rise Sharply
Profitability of Commercial Loans at banks
2014 was a year that many bankers around the country found challenging, as they steered their institutions through a myriad of government regulations, and the obstacles provided by a still struggling economy. Despite this difficult environment, there are signs that comme...
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Are Banking Regulations Getting Unbearable for Bankers? Decline in New Banks Indicates the Answer is Yes!
Are Banking Regulations Getting Unbearable for Bankers? Decline in New Banks Indicates the Answer is Yes!
Are banking regulations getting unbearable for bankers?
When the Federal Reserve Board recently released an update on its FAQs list for what is known as the Volcker rule, a question started to form in the minds of many bankers and economists: Are banking regulations getting unbea...
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Banking regulations may be bad for the economy, unbearable for bankers
Banking regulations may be bad for the economy, unbearable for bankers
Are banking regulations getting unbearable for bankers?
Basel III was a long time ago, relatively speaking. Originally published in 2010 and revised in 2011, these new regulations were a direct reaction to the "Great Recession" of 2008. These regulations require higher standards on loan guarantees and forces banks...
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How Does Economic Value of Equity (EVE) Help Banks Measure Risk?
How Does Economic Value of Equity (EVE) Help Banks Measure Risk?
Economic Value of Equity (EVE)
Banks typically employ a couple of methods to measure interest rate risk and to comply with banking regulations. The first is net-interest income (NII) which reflects short-term interest rate risk. The other is Economic Value of Equity (EVE), which analyzes long-term interest rate risk.
...
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Commercial Loan Pricing Model Inputs
Commercial Loan Pricing Model Inputs
Commercial loan pricing model
Small business executives, financiers and even bank employees often have questions about loan pricing. How are commercial loan interest rates determined? Pricing at what the competiton is doing does not get you to the profitability goals of the organization. Why do they fluctuate so often? And why does one institution pr...
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US Banks Payroll Trends / Staffing Reflect Customer Activity
US Banks Payroll Trends / Staffing Reflect Customer Activity
US Banks payroll trends / staffing
Bank transactions involving a teller averaged 5,600 in 2013 falling from 7,600 in 2008 and forecast to drop to 4,800 in 2016. So, how is this affecting US Banks payroll trends / staffing?
As visits to bank branches decline and competition for revenue increases, smaller banks are examin...
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CD and Money Market Interest Rate – Profitability at banks
CD and Money Market Interest Rate - profitability at banks
With the economy expanding, the probability for the Federal Reserve to raise short-term interest rates in the first half of 2015 rises. Upgraded credit quality will accompany a healthier economy. Higher interest rates in a favorable environment mean bank performance should improve. Commercial and real estate loan demand will especi...
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