4 minute read – As many leadership teams are in the process of building their 2022 budget, a common theme is emerging and that is an expectation for lower earnings next year. With the potential for less profit, no stone is being left unturned for important revenue generating opportunities. One way to increase Return on … Continued
7 minute read – It’s important for organizations to stick to their plans in order for strategic progress to occur. At the same time, the pace of change is driving a need to adapt faster. What’s the best way to approach decisions when faced with being flexible or staying the course? With the appropriate information … Continued
4 minute read – When we work with leaders and teams, one of the most effective practices we use is working agreements. Often, people have unspoken expectations for their interactions with others, and when these expectations aren’t met, it can create unnecessary frustrations or inefficiencies. A solution to combat this issue is to create a … Continued
4 minute read – The following blog post was written by c. myers and originally published by CUES on June 23, 2021. We often talk about personalization and connecting with the customer, especially as digital adoption grows, but there could be emerging opportunities that are not about forging direct relationships. Consumer behavior continues to shift, … Continued
4 minute read – We often see that people focus on investment labels (e.g., 3-year callable bond, 5-year callable bond, or 15-year MBS) when making investment decisions. This blog contains food for thought as you consider different investment alternatives. As we have said many times, your individual investment decisions should always be made in light … Continued
3 minute read – Banking as a Service (BaaS) is gaining more attention as FinTechs and non-financial companies look for opportunities to provide financial services to their customers without having to become a financial institution. The Apple Card is a common example of BaaS where the consumer does everything through Apple, and Goldman Sachs handles everything on … Continued
4 minute read – Every day, leadership teams are evaluating what to do with all their liquidity. Discussions often include setting aside dollars for investment purchases, holding more mortgages, and being positioned to meet pent up consumer loan demand. But before plans are put into motion, help paint a picture for your team by using … Continued
6 minute read – Has your team had a chance to take a close look at your ALM modeling recently? COVID has certainly created a lot of distractions, so it may not have been at the top of your ALCO’s priority list. However, this low-rate environment has created some unique pressures on EVE/NEV and NII … Continued
4 minute read – A few months ago, we posted an investment strategy blog, touching on the importance of understanding risk versus return trade-offs when evaluating high-premium investments. As investments carrying a premium continue to be evaluated, we thought it would be worthwhile to circle back, considering purchase premiums are not exclusive to the investments. … Continued
3 minute read – An organization that actively creates the right talent is an organization that can leverage their deep thinking, creativity, and flexibility to create a competitive advantage and deliver on the value proposition – all of which leads to higher ROA. Successful business executives have written volumes about the importance of having and developing … Continued
