Why Your Survival and Profitability Depend on the Answer to One Question: Where Do Banks Make Money – Deposits, Loans or Both and How is That Measured?
Where do banks make money – deposits, loans or both and how is that measured?
The number and types of services and products offered by banks is constantly evolving. Gone are the simple days of banks only earning revenue based on the l...
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US Bankers watching Canadian commercial loan delinquency trends
US Bankers watching Canadian commercial loan delinquency trends
Commercial loan delinquency trends
Commercial loan delinquency trends in the United States are finally moving in the right direction. According to the Chicago Business Daily, delinquency rates are slowly but steadily shrinking - a sure sign of recovery from the crash of 2008. "With rising incomes and property values, more ...
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The Banking Industry is Asking What is the Destiny of Community Banks?
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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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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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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Trends in Bank Closings
We regularly talk to bank executives from around the world. The number of US Banks that are insured by the FDIC has decreased in recent years, down from over 12,300 in 1990 to just 6,656 insured institutions as of the second quarter of 2014.
These declines can be explained by a number of factors, including mergers and failed banks. There are identifiable waves and trends over the past decade, ...
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