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Story Archive

'Move Your Money' helps community banks

Arianna Huffington first came up with the idea of Move Your Money which urges depositors to switch their deposits from national banking chains to community banks owned locally.

Innovation's Accidental Enemies

Leaders who demand proof that a new idea will work inadvertently stifle innovation. There's a better way to react to brainstorms.

Do You Dare Buy Bank Stocks?

Many fund managers are still wary of financials, but analysts expect the stocks to rally 16% this year.

Your Financial Institution and the Environment

We live in an era where the environment is recognized as an important part of virtually everything we do. Nowhere is the direct impact felt more than in the business community.

What Banking Needs to Become

Regulations and consumer expectations are changing. The business models, capabilities, and practices of the financial-services industry must change with them.

2010 Regional Bank Outlook

Strategic Analysis

The Nu-World of Bank Capitalization

The collapse of the financial sector in the United States, which has included the failure of almost 100 institutions to date...

For New Banks, Starting Up Is Hard To Do

Even as enterprising bankers try to benefit from a less competitive industry, many industry hopefuls have had their dreams deferred.

You Can Open A Bank

Starting your own bank is laborious but profitable. The financial crisis may turn out to be a blessing.

Banking Leadership: New Skills Required

From the Golden Era to the Era of Management

State of the Financial Services Industry - 2009

The annual State of the Financial Services Industry report reviews the industry’s performance and provides senior stakeholders with key insights for success.

Learning From Financial Regulation’s Mistakes

Current bank oversight failed to prevent the financial crisis. Let’s not prescribe more of the same.

Adapting Lean For Customized Bank Processes

Even steps that require customization and expert judgement can be streamlined effectively.

Improving Efficiency: The new high ground for banks

Financial services firms are facing a much tougher operating environment as a result of the credit crisis.

A Better Way To Fix The Banks

Here’s a plan that could solve the toxic-asset pricing problem voluntarily—without requiring Uncle Sam to nationalize the whole industry—and make (pretty much) everyone a winner.

Reinventing Banking

In the aftermath of the crash of 2008, banks are searching for answers. How did we get here, certainly, but more importantly, where do we go now?

Managing Banks Beyond the Crisis

What appeared to be the largely American subprime mortgage problem of 2007 has become the global financial crisis of 2008.

Collateral Damage Quick-o-nomics Update

The economic crisis—focuses on evidence of recovery in the major economies. It provides brief snapshots of the data on leading and current indicators, and shows that the freefall is over...

What's Next For US Banks

Two different kinds of accounting—fair value and hold to maturity—have created two different kinds of crises. One is almost over. The other is only beginning.

Achieving High Performance in Banking

Seismic forces are reshaping the banking landscape. The fallout from the credit crisis is limiting discretionary spending. Consolidation and globalization are diminishing once-safe regional or national franchises.

We Are Controlled Bankers

The truth to it all is the goverment is not run by the goverment but by the bankers. The U.S. has been putting themselves into financial slavery since the early 1900's.

Bank buy-in plan is more Depression deja vu

The U.S. plan to ease the credit crisis by investing in banks retraces steps taken during the Depression by an agency that accomplished its mission...

Introducing Bank On California

This program aims to help the millions of California working families who don't have bank accounts. The Bank of California will help unbanked California open starter accounts and enter the financial mainstream.

Grant Thornton 16th Bank Executive Survey

In 2009, the U.S. banking industry will undergo a seismic stress test—the result of which will determine the ultimate viability and resiliency of the nation’s financial system.

Growth and Diversification in Islamic Finance

The contemporary Islamic finance industry is now in its fourth decade and, during that period, has developed extremely rapidly. In the past few years, overall market growth has been estimated at between 15-20 percent annually1, although individual Islamic banks have reported even faster growth.

It's a Great Time To Start A Bank

Start-up banks lack name recognition and customers. These days, though, they have one important advantage over just about every established rival: no crummy loans.

While the Giants Reel, Many Small Banks Are Thriving

Last fall, soon after Congress decided it would spend $700 billion to shore up the nation's flailing financial system, about 100 shareholders of Reunion Bank of Florida gathered for a party.

Rebuilding The Economy

As Big Banks Falter, Community Banks Do Fine. Unlike banks on Wall Street, these smaller banks didn’t invest in risky mortgage-backed securities or complex derivatives.

In Defense of Bankers

One obvious point being lost: the vast majority of toilers in the financial vineyards had nothing to do with the meltdown.

This May Be the Ideal Time To Start a Bank

In the current mess, startups hold a key advantage: a clean slate. Unlike existing banks, those born after the bust don't have bad assets threatening their books and earnings.

Your Own Private ATM

Dan Hudson spoke in the laid-back tone of someone who's given the same pitch many times, but his words gave them hope: "I believe now is the best time to start a bank."

Subprime Mortgage Mess

The path that led us to the current economic situation is difficult even for those in the financial industry to follow, but now that we're here it's important to understand how this will affect you so you can plan accordingly.

Currency

The subprime loan crisis had a domino effect on the financial services industry. The falling real estate market and softening of the market for mortgagebacked securities has led to a tightening of credit and liquidity issues for many entities...

An Introduction to the FDIC’s Small-Dollar Loan Pilot Program

The FDIC released an article reporting on the first quarter 2008 results of its Small-Dollar Loan Pilot Program. The goal of the two-year pilot is to help the FDIC identify best practices in affordable...

Banks Making Money, 2008: Q1 - FDIC

Deteriorating asset quality concentrated in real estate loan portfolios continued to take a toll on the earnings performance of many insured institutions in first quarter 2008.

Restructuring the Banking System

Banks must play a key role in solving the economic crisis, but two challenges confront us. First, the industry has ...

U.S. Treasury Department Office of Public Affairs

Fact Sheet: Treasury Releases Blueprint for a Stronger Regulatory Structure

The Department of Treasury Blueprint for a Modernized Financial Regulatory Structure

Market conditions today provide a pertinent backdrop for this report’s release, reinforcing the direct relationship between strong consumer ...

Remarks by Secretary Henry M. Paulson, Jr. on Blueprint for Regulatory Reform

A strong financial system is vitally important - not for Wall Street, not for bankers, but for working Americans. When our markets work, people ...

American Riviera moves on

After Michael Salsbury's abrupt exit from 19-month-old, Santa Barbara-based American Riviera Bank, acting president and Chief Executive Officer David Duarte said management was not surprised and will not miss a beat.

The New Finance and Risk Agrenda

Increased sophistication and liquidity in the capital markets, advances in analytics and changes to regulation and accounting standards are forcing banks to change the way they manage their capital.

Web Services — At Last, the True Value of Connected Systems

In his remarks at the Microsoft® Office® System Developer Conference on February 4, 2005, Bill Gates captured the business benefits of SOA, on the brink of finally being realized through the use of emerging, Web-based technology: Web Services allow a piece of software on one computer to talk to a piece of software on another computer independent of the underlying operating systems and languages … Smart clients for information workers allow them to aggregate IT applications into their work flow. This is not the same as the "file extract" and "local" process methodology of the ‘80s and ‘90s.

Audit Committee Guide for Financial Services Companies

The loss of investor confidence in the financial reporting process has caused businesses to review their corporate governance procedures. The responsibilities of the audit committee are a major focus in these reviews since the audit committee must provide oversight to the financial reporting process, the external audit process, and the control environment. The media attention given to the failure of large businesses and the role that the financial reporting process had in those failures has created an environment that has heightened investor interest in a more robust financial reporting process.

Where Have All the Leaders Gone?

Within the next three to seven years, businesses across the United States, in virtually all sectors and industries, will face a potential crisis of leadership. During this period, a significant fraction of today’s corporate-level executive leaders and other senior managers will reach retirement age and begin exiting the workforce.

Catalysts for Change: The Implications of Gen Y Consumers for Banks

Much has been written about Gen Y, their collective experience and evolving preferences, but there has been little real insight on what strategies banks might consider to capture and retain this new segment. While this young group (born between 1982 and 1995) consists for the most part of financial freshmen, inexperienced and burdened with student loans, their affluence and influence are growing, and with it, their financial appetite. Banks now have a unique and limited opportunity to attract these new customers and to grow their patronage.

2008 Indusry Outlook: A Look Around the Corner

The U.S. subprime mortgage lending crisis made world headlines in the summer of 2007 and its continuing fallout is one of the hot-button issues facing the banking and securities industry in 2008. While the outlook for the industry as a whole is guardedly optimistic, it depends, in part, on how quickly the crisis is resolved and the credit market opens up again.

From Competitive Advantage to Competitive Necessity

As businesses seek new ways to grow, they are turning to customer relationship management analytics to discover profitable patterns of behavior they can leverage. Will today's competitive advantage become tomorrow's competitive necessity?

Strategic Business Risk 2008: The top 10 risks for business

Risks are inherent in every forward-looking business decision so successful risk management should be an integral part of an organization's strategy and operations - an important dimension of good management practice.

Frontiers in Finance: for decision makers in financial services

March 2008

The financial services sector has been much in the news recently – and the news has not been good. Within the space of a few months, we have seen the onset of a severe credit crunch, a liquidity crisis at Northern Rock leading to a run on the bank and Société Générale revealing it has lost €4.9 billion ($7.1billion; £3.7 billion) closing out massive unauthorized trades placed by a rogue employee. Some respected commentators are speculating about the onset of a global recession.

FDIC Proposes Changes for FDICIA Institutions

Nov. 8, 2007

On Nov. 2, the Federal Deposit Insurance Corporation (FDIC) issued a proposal to amend its regulations that address audit and reporting requirements, Internal control assessments, and audit committees.

Financial Institutions Update: Update on Accounting and Financial Reporting Issues

Dec. 7, 2007

As an update to our prior communications on accounting and financial reporting topics, the following represents topics that have near-term effective dates, near-term expected Issuance dates, or areas in which significant changes have occurred. It may be useful for readers to refer to our prior updates.

Winning the battle for growth: Building the customer-centric financial institution

This briefing, written in co-operation with the Economist Intelligence Unit, examines customer-centric growth issues within the financial services industry. Few executives in the financial services industry would disagree with the aim of becoming more customer-centric – structuring and running their organisations with the goal of providing a better customer experience. But what does the customer-centric organisation really look like, how do financial institutions plan to change to meet this goal, and how can organisations maximise their growth potential as a result?

Financial Services in 2010: Hallmarks of Success

Helping ensure a financial institution has the hallmarks for success in 2010 means building a more global outlook into their business - the journey needs to start today by identifying the key market and operational drivers. Going forward, DTT expects leading financial institutions in 2010 to exhibit the following six hallmarks of success...

Beyond the Baby Boomers: The Rise of Generation Y

This report comprises original research completed on the global funds management (FM) industry by KPMG International. The research looks at the way in which the FM industry engages what is known as Generation Y, both as customers and as employees.

How do banks make money?
The fallacies of fee income

"How do banks make money?" is a deceivingly simple question. Banks make money by charging interest on loans, of course. In fact, there used to be a standard, tongue-in-cheek answer to this ...

Federal Banking Agencies Release New BSA Manual

On June 30, 2005, the federal banking agencies jointly released a new Bank Secrecy Act/Anti-Money Laundering Examination Manual. Over the last two years examiners have imposed new requirements ...

Grant Thornton's Twelfth Annual Survey of Community Bank Executives

Grant Thornton's Twelfth Annual Survey of Community Bank Executives explores how bankers juggle myriad banking and business issues and ensure good governance, safe and sound ...

Building Wealth: A Beginners Guide To Securing Your Financial Future

Building Wealth: A Beginner’s Guide to Securing Your Financial Future offers introductory guidance to individuals and families seeking help to develop a plan for building personal wealth ...

Kiplinger's Fresh Ideas for Retiring Rich: Invest Creatively

Erratic stock-market returns and persistently low interest rates have left a lot of investors worried about the performance of their retirement portfolios. A small but growing number are turning ...

Fed Chief Ben Bernanke Comments On Community Banking

(RTTNews) - Federal Reserve Chairman Ben Bernanke delivered a speech on community banking at the Independent Community Bankers of America National Convention and Techworld on Wednesday.

De Novo Capital Raising Campaigns Break State Records

Clients of The Nubank Group raised a combined $83 million in capital for the first six months of the year, with two clients surpassing state records for the amount of capital raised...

Rising to the Growth Challenge

Regardless of size, focus on geographic footprint, financial institutions across the United States are stepping up efforts to improve their organic growth...

New Approach to Banking for Physically Disabled First Access to Launch Online-only Operation

Since being diagnosed with multiple sclerosis 16 years ago, Brad Saul has learned there’s opportunity in marketing to people like himself. He’s established ...

The Decline in Core Deposits:
What Can Banks Do?

Growth in traditional deposit funding sources has stagnated at many banks in recent years and has largely failed to keep up with the growth in bank assets.

Building Better Banks

April 2, 2001

Extreme Experience

April 4, 2001

Capital: Beware of the Bear

July 23, 2001

What's Your Stock Sale Strategy?

July 23, 2001

Community Start-Ups Scrambling for Capital

September 6, 2001

Show Me The Money

December 11, 2001

R U Stuck?

August 15, 2002

The Role of Capital in Financial Institutions

September 10, 2002

The Capital Imperative

April 4, 2001

Market Maker - A Financial Partner

April 12, 2002

Banks Shift Gears in Drive for Top-Line Growth

The Battle of the banks is taking on new urgency. After spending the past few years fiddling with their cost structures, leading bank organizations around the world are shifting their efforts toward growth...

Chairman Ben S. Bernanke
The Economic Outlook

To date, the largest effects of the financial turmoil appear to have been on the housing market, which, as you know, has deteriorated significantly over the past two years or so.

Capital: The Mother's Milk of Banking

April 26, 2001

Capital: The Key To Success

April 26, 2001

BankIPO.com Client Approaches Capitalization Goals

October 10, 2003

Bank Capital Structure, Regulatory Capital, and Securities Innovations

December 27, 2003

2008 FDIC Industry Report

According to the FDIC ninety-nine percent of insured institutions were well-capitalized at the end of 2007, and nearly 90% were profitable for the year.

Banks Shift Gears in Drive for Top-Line Growth

The battle of the banks is taking on new urgency. After spending the past few years fiddling with their cost structures, leading banking organizations around the world are shifting their ...