Results include
- 4 Webpages
- 1 Whitepapers
- 1 Press Releases
- 14 BID Newsletters
Webpages
May 21, 2023
Our advisory services help you with risk management, increasing customer profitability, and appropriately pricing loans.
May 18, 2023
Borrowers Loan Protection is PCBB’s unique hedging solution where you do not have the administrative or accounting challenges of back-to-back swap.
May 18, 2023
Learn the frequently asked questions about Borrower's Loan Protection and how BLP works.
May 16, 2023
PCBB's Borrower's Loan Protection is a hedging solution for commercial lending to mitigate credit and interest rate risk.
Whitepapers
Jan 23, 2024
A guide to help you manage credit risk using four strategies. Learn about the benefits and tips of credit stress testing your loan portfolio seamlessly.
Press Releases
Jul 20, 2022
In this second part of our summary of the FDIC 2022 Risk Review, we take a closer look at the FDIC’s findings on potential credit risks for the banking industry and community financial institutions. While credit conditions for banks have improved in 2021, we examine the increased credit risk in certain sectors and markets linked to pandemic-related challenges, rising inflation and the war in Ukraine.
Oct 20, 2022
Between inflation and higher interest rates, businesses need to charge more for goods and services, while also worrying that they’ll lose price-sensitive customers. As a result, CFIs are likely to see increased credit stress soon. We discuss six strategies CFIs can use to manage credit risk challenges in a volatile environment.
May 11, 2022
Bankers have long been waiting for interest rates to increase so that net interest margins would rise. Yet, there are other factors in play today, such as high inflation, labor shortages, and credit risk. We review the current rising rate landscape and provide approaches to manage through it successfully.
Mar 12, 2024
When it comes to pricing deposits and loans in a competitive market, CFIs must correctly strike a delicate balance between each customer’s needs and their own profitability. Relationship pricing, based on customer profitability, can play a critical role in determining the best loan structure and deposit rates to maximize a customer’s lifetime value to your CFI. We provide insights on what factors to consider as you price products based on customer relationships, as well as the impact of adopting relationship pricing on your institution.
Feb 21, 2024
The OCC recently published its autumn statement on key risks facing the federal banking system. We summarize these risks and suggest ways CFIs can mitigate them to improve their institution’s resilience.
Feb 20, 2024
Economic indicators suggest that the Fed is likely to ease monetary policy by lowering the Federal Funds Rate at some point this year. We discuss what factors could influence the Fed’s decisions and how hedging strategies could benefit your CFI in this changing market.
Sep 21, 2023
This is the second part of our summary of the FDIC 2023 Risk Review. We take a closer look at the FDIC’s findings on potential credit risks for the banking industry and community financial institutions.
Aug 31, 2023
As the banking industry has pulled back its lending activity, nonbanks, such as private equity firms, have moved in to fill the lending gap among large syndicated loans. We discuss what this could mean for CFIs and their participation in the syndicated loan market.
Aug 9, 2023
More and more CFIs are using alternative cash flow data to determine the creditworthiness of prospective small business borrowers. They are partnering with fintechs and other nonbank providers to access and analyze prospects’ electronic cash flow information. A nonprofit research organization analyzed these practices and we provide a summary of the results.
Jun 21, 2023
As CFIs seek to maintain active lending portfolios within an environment where they must deal with both rising interest rates and competition, risk-based pricing has become increasingly important, particularly for commercial lending. We discuss best practices for implementing risk-based loan pricing with commercial lenders at your CFI.
May 18, 2023
Managing further economic downturns, liquidity, and cybersecurity are just a few of the many concerns at the forefront of bank leaders’ minds, according to Bank Director’s 2023 Risk Survey. We summarize some of the key findings and suggest ways for CFIs to mitigate the challenges.
May 2, 2023
In the current interest rate environment, forward rate locks offer both CFIs and borrowers an opportunity to mitigate interest rate risk. Femi Audifferen, SVP of Hedging Solutions at PCBB, explains why now might be an opportune time to hedge with a forward rate lock.
Mar 9, 2023
As regulators shift their focus areas for this year’s audits, CFIs should pay particular attention to the new areas that have caught the eyes of regulatory agencies. Knowing what each particular regulator is focusing can be key to acing regulatory exams.
Dec 29, 2022
As we BID goodbye to 2022, we've rounded up a few of our most popular articles from the year to revisit.