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Measuring Interest Rate Risk Can Vary by Institution Interest rate risk measurement plays a key role in ensuring an institution's safety and soundness. Would you like other articles on asset/liability management in your inbox? Takeaway 1 Regulators stress sound risk management practices that include the ability to identify and measure interest rate risk (IRR).
There is a wide array of economic stats being put out as the U.S. rounds a full opening. But one of the most unsettling is this: For the first time in the five years since the Federal Reserve began conducting its national small business credit survey , more businesses experienced decreases in revenues and employment than increases. Yes, circumstances last year were extraordinary—but even more, so is the current need for capital by small business owners.
Your past-due accounts are growing, cash flow is tightening, and the pressure is on. The big question: Do you handle the collections internally or outsource to experts? Both strategies come with advantages and risks - but which one delivers the best impact for your business? In this session we’ll dive deep into the in-house vs. outsourcing debate, examining cost-effectiveness, efficiency, compliance risks, and overall recovery success rates.
June is Elder Abuse Awareness Month June is Elder Abuse Awareness Month, and it’s a key time for institutions to reassess EFE red flags to prevent these crimes. Looking for more information on preventing Elder Financial Exploitation at your financial institution? Watch Webinar. Takeaway 1 Elder abuse and EFE is a growing concern as the baby boomer generation his their senior years.
For many years, creditworthiness has been a keystone in the lending process —and even more so in the aftermath of COVID-19. With the need for small business funding greater than ever, it poses the question: is it time to turn traditional parameters and criteria on their head? . It seems so. And, as with many evolutions in the financial services industry, it begins at the retail level and bubbles up into commercial.
A rising trend in consumer spending is based on the model of Buy Now Pay Later (BNPL) purchases. Unseating traditional lines of credit such as credit cards, hire purchase or store card models, the concept of walking out of a retailer, goods in hand without spending upfront or paying interest on future repayments has proven to be an immensely popular notion for consumers.
A rising trend in consumer spending is based on the model of Buy Now Pay Later (BNPL) purchases. Unseating traditional lines of credit such as credit cards, hire purchase or store card models, the concept of walking out of a retailer, goods in hand without spending upfront or paying interest on future repayments has proven to be an immensely popular notion for consumers.
Real consequences from OFAC sanctions violations OFAC compliance has increased in complexity and clarity with guidance released within the past few years and institutions need to take notice to avoid penalties. Would you like others articles like this in your inbox? Takeaway 1 Civil monetary penalties and reputational risks are reasons why institutions need to employ seasoned sanctions officers.
By all accounts, summer 2021 looks promising. Experts predict economic expansion and a consumer rebound. Restaurants are reopening to full capacity, and innovations sparked by the pandemic are here to stay. . But while the economy in general is expected to boom, many small businesses are still in recovery mode. And without an infusion of capital, they might be left in the dust.
Risks ALM Addresses Will Affect Performance and Strategy Asset/liability management models and processes address credit risk, liquidity risk, and interest rate risk. . Would you like other articles on ALM in your inbox? Takeaway 1 The pandemic has shown that financial institutions deal with a variety of risks that can impact cash flow and capital. .
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