Four Reasons for the 2007-08 Financial Crisis
A recent Bank Think post by ConnectOne Bank CEO Frank Sorrentino regarding restoring Glass-Steagall got me thinking about how far the debate has drifted from the root causes of the […]
Is That a Risky Bank Customer?
Customer risk assessments are a fact of life in banking. Banks must determine how a new customer will affect its overall risk profile. Most, in my experience, do it in […]
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 […]
Loan Pricing: Must It Be So Complicated?
When it comes to pricing loans, my experience tells me we use competitor pricing as our de facto pricing model. For consumer and residential loans, where rates and fees appear […]
Sweat the big stuff: Interest Rate Risk
I have been thinking about interest rate increases for some time now. The Fed lowered the Fed Funds rate to a target of 0 – 25 bps in December 2008. […]