First Focus for 2019: Deposits, Part II
Printer-friendly version (PDF) Last week, I began a two-part newsletter on a topic it seems that clients are talking about more than anything else: deposits. The importance of this topic…
First Focus for 2019: Deposits
Printer-friendly version (PDF) I hesitate to be yet another voice focusing on the need for banks to put more attention on deposits. However, other than risk management, there may be…
Old Dog Learns New Trick
Printer-friendly version (PDF) I felt embarrassed for myself when a client told me what he had done. He said he had been unable to sleep one night thinking about the…
Vendor Selection: More Choices, More Difficult
Printer-friendly version (PDF) The digital revolution requires that banks partner with vendors in an ever increasing array of areas, including digital applications, LOS, payments, credit analysis, risk management, marketing analytics,…
Small Business Update: the 2018 American Banker Conference
Printer-friendly version (PDF) This year’s American Banker Small Business Conference, just concluded in wonderful Nashville, may have been the best I’ve ever attended. There was more electricity in the air…
Small Business Banking Conference: Key Issues for 2019 and Beyond
Printer-friendly version (PDF) The American Banker’s Small Business Banking Conference begins this week. Reviewing the key topics being covered provides some insights into the issues that are top of mind….
Valuable Reflections II – Sandy Berry
Printer-friendly version (PDF) This week we continue our conversation with Sandy Berry in which he comments on leadership in banking and the changes bankers should consider. As with the last…
Valuable Reflections I – Sandy Berry
Printer-friendly version (PDF) This newsletter begins an occasional series of interviews with former bankers. Each interview will feature a senior banker’s reflections on the changes that have and are occurring…
How To Fix Small Business Loans
Printer-friendly version (PDF) As discussed in FIC’s last newsletter, we all know that almost all banks (roughly 99% of the total number) lose money on small business loans. The difficulty…
Fixing Small Business Loans
Printer-friendly version (PDF) Banks lose money from small business loans, typically, loans below $250,000. Not all banks, of course. But all banks except maybe five-ten of the biggest banks that…