What Can Banks Learn from Mutual Mergers?
Since 2010, investment bankers have been predicting that the pace of merger activity in the banking industry would significantly increase and accelerate. While these predictions may have been wishful thinking, […]
Things to Think About in 2015
The Kafafian Group would like to wish all of our clients, business associates, and friends a Happy Holiday season and much future success in the coming New Year. We are […]
Bankers: What is Your “Well-Capitalized?”
TKG has had the distinct impression that the bank regulatory community is not pleased with certain limitations and exemptions from Section 171 of the Dodd-Frank Act, the section that covers […]
Bankers: Let’s Be Necessary
Why did Willie Sutton, famous bank robber from the 1920’s to 1950’s, rob banks? “Because that’s where the money is.” By the way, Sutton denied the quote, but we can’t […]
The Next Three Significant Risk Factors
The past five years have been filled with significant risk factors that have affected virtually every financial institution of all types, size, structure, and geography. We are well aware of […]
Lessons from Management Reviews
Over the past three years, TKG has been engaged by a significant number of banks to provide an assessment of the capabilities of management to operate the bank in a […]
Implementing Management Reporting in Community Banks
The pressure is on for Community Banks to raise their skill in the development, delivery, analysis, and utilization of information. Think about what Enterprise Risk Management, Capital Planning, Compliance Management, […]
The Impact of Low Interest Rates on Net Interest Margin and Performance
The current and protracted low interest rate environment has played havoc on net interest margins and resulting bank performance and profitability. Banks have historically made money by borrowing short and […]
Business Checking: Not Profitable?
Does it make sense for business bankers to seek core deposits from their customers? This question was posed to me by a senior lender at a Northeast bank that had […]
The Current State of Banking, Relevance and Technology
The past five years have been the most trying times in most current bankers’ careers. The economy continues to struggle through a long downturn. Interest rates remain at historical lows, […]