Thanks to everyone from Colombia and Dominican Republic who attended my deposit modeling workshop in Bogota. In addition to experiencing higher and more volatile interest rates relative to banks in the US and Europe, the introduction of non-bank financial intermediaries…
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Learn why rising interest rates are disrupting earnings expectations for so many depositories! Are your deposits misbehaving? Not as sticky and rate-insensitive as you thought they would be? This is not unusual as banks, credit unions and their regulators are…
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Are you confused about why your bank’s or credit union’s earnings are not materializing as expected? You don’t have to be! Perhaps the story of how your depository institution makes money is not robust to rising interest rates. For most…
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Announcing the following FTP Workshops for Q4 2018: Miami, October 18-19 Santiago, November 12-13 Now that interest are finally moving up, many banks are finding that their processes for computing and forecasting product- and business segment-level profitability are producing more…
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Announcing the following ALM Workshops for Q4 2018: San Francisco, September 6-7 London, October 3-4 With interest rates moving higher in many countries for the first time in a decade, its been quite some time since banks have given much…
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Announcing the following NMD Workshops for Q4 2018: Bogota, November 8-9 New York, November 28-29 As we move from a period of excess liquidity to an environment where depository institutions are competing aggressively for funds, many firms are finding that…
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Fed Signals June Rate Rise The Fed continues to signal that they will increase the Fed Funds rate at their June meeting which will be held on June 12th-13th. While they continue to ponder how many more rates hikes will…
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Fed Statement Comments and Interpretation The Fed didn’t raise rates on May the 2nd, but they did keep the markets prepared for a hike at the next meeting in June. In addition, they noted that inflation had ticked up, albeit…
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Bad News for All But the Biggest Banks (or Let Them Eat Cake) In just a few short years, the vast majority of banks have gone from being flush with low-/no-cost deposits to feeling the pain of an affordable deposit…
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I spent much of last week in Tempe, Arizona at the FMS/AMIfs Annual Conference. This is an event I have attended for the past several years to explore and present on topics in financial performance and risk management. This year,…
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