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BID Newsletters
Mar 1, 2023
Due to inflation and rising interest rates, liquidity is tight, and is expected to get tighter this year. Effective liquidity management strategies can help CFIs take advantage of a more attractive rate environment. Here are a few ideas that may help.
Jan 23, 2023
Some CFIs are finding that rising interest rates are causing their current calculated asset levels to show up as negative under the tangible capital rule used by Federal Home Loan Bank. Financial organizations across the country are asking for relief.
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.
Jan 25, 2022
Community financial institutions have seen low interest rates for a long period of time. This caused net interest margins to be squeezed tightly, yet it allowed bankers to reduce their dependence on wholesale funding. Now, when interest rates are expected to rise, it is crucial to have strategies to balance increasing net interest income with rising funding costs.
Dec 29, 2021
While the BID takes a rest for the holidays, we revisit some of the year's most popular articles.
Oct 4, 2021
The personal consumption expenditures price index rose more than 3.6% YoY, according to the US Commerce Department. With inflation here for now, community financial institutions should update their loan and liquidity stress tests to ensure they are ready for anything. Here are three steps to prepare your institution for the coming effects.
Sep 23, 2021
While waiting for lending activity to pick up, community financial institutions are still flush with cash and looking for ways to use it. Some have opted for securities, but there is another option available: syndicated commercial and industrial loans. This $1.5T market could provide opportunities for your institution’s liquidity right now. We explain how.
Sep 13, 2021
Financial institutions are flush with cash and looking for opportunities to turn it into long-term assets. With loan activity still mixed and PPP forgiveness leading to more cash, community financial institutions are looking for ways to manage their balance sheets. We give you two steps that you can take today.
Mar 31, 2021
Financial institutions are awash in cash these days. How long will this situation last and what is a banker to do about it? We cover the economic indicators affecting liquidity, such as inflation and employment, and how to manage the effects of inflation with revenue protection.
Aug 17, 2020
Combining liquidity and credit stress testing provides a more complete picture around your institution's resiliency.
Apr 10, 2020
During this pandemic crisis, financial institutions should evaluate liquidity and capital management models and policies. Also, make sure to stress your liquidity projections to evaluate adverse and severe scenarios.
Mar 26, 2020
The FDIC has provided guidance on capital and liquidity buffers for financial institutions to help their customers during the coronavirus crisis. We give you a quick summary.
Aug 13, 2018
Now that rates are rising, banks need to be effective in growing inexpensive deposits. Some tips for community banks to consider.
May 25, 2018
For banks that aren't ready to go public, but require liquidity, there may be several viable alternatives.