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Risk Management

The current economy, married to low-interest-rate strategies from the Federal Reserve, continues to put the squeeze on many smaller banks. And consultant George Darling expects conditions to grow worse for them yet. But he has a suggestion or two for the near-term--and some harder advice for the longer term.

Looking beneath FDIC's latest numbers

Strip away big bank results, and see community bank urgency
Increasingly, using yesterday’s approaches to asset-liability management and ERM--enterprise risk management--will serve you about as well as the rusted clunkers above.

Time to scrap yesterday's ERM plan

ALCO meets evolution of integrated Enterprise Risk Management
The tide comes in and out for all boats, large and small, and so too when the surge of deposits received in the last few years recedes, banks large and small will face challenges they haven’t had for some time. Consultant Bob Lallo suggests steps to take to get ready for this inevitable event.

What happens when the tide goes out?

Awash in deposits? Will you be when rates rise again?
Today’s challenging environment confronts bankers with generally slow growth with historically low interest rates along all points of the yield curve. This, coupled with ongoing uncertainties for consumers and businesses, has bankers very concerned with earnings performance and sufficiency of capital going forward.

Rate risk comes in both new and usual colors

Two potential scenarios you may not be simulating for
Old docs can bring lender liability

Old docs can bring lender liability

Recent cases spur review of your “tried and true” loan contracts
One of the basic building blocks of physics is that for every action there is an equal and opposite reaction.

8 fresh ideas for better loan pricing

Today’s squeeze could get worse, but taking new tack may help
Putting car loans ahead of cards and mortgages

Putting car loans ahead of cards and mortgages

Study findings turn credit tradition on its head
We've decided you're going to fail

We've decided you're going to fail

What would you do if a prospective investor said this, as he cancelled your appointment on site?
Looking forward at interest rate risk and other factors raises many questions. While puzzles like this can be solved one way, generally, author Darnell Canada says the current investment policy puzzle has multiple answers. But how well your bank does hinges on understanding and execution.

Devising a rationale for current portfolio structure

You could go two different right ways, today. So, which way? And why?
ABA Bank Compliance Officers Survey Part 3: Compliance earning its keep

ABA Bank Compliance Officers Survey Part 3: Compliance earning its keep

Testing the “Compliance as cost-prevention center” concept
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