FINOFR的动态

Take time to explore FINOFR’s solution for loan retention! As rates fall, your loans will be running out the back door! Now you can stop that from happening in an automated manner!

We think there is some tightening potential on the margin, but even if you're just sitting there in a carry environment, you're getting better risk-adjusted carry in the securitized markets, and that's true across ABS [asset-backed securities], gas, mortgages, residential credit, kind of all the sectors versus IG and and corporate high yield and loans #InvestingInvolvesRisk

With the refinancing cliff approaching, banks and credit unions need to proactively address higher interest expenses. According to WSJ, most CFOs are unprepared for refinancing debt in this "higher-for-longer" rate environment. Teams adopting AI strategies to enhance revenue streams are better equipped to manage increased debt costs, while those relying on legacy systems face elevated risks, especially concerning liquidity. If this topic resonates with you, let's connect for a virtual coffee to exchange insights. Link to the full article: https://lnkd.in/eZh5zXhS

?? All signs point to a rate cut! As customers refocus on financing with lower rates, deposits drop. ?? Make sure your FI is ready with the right tools to offer balance transfers and refis in real-time. ?? Build value and loyalty with simple integrations. Array is here to help—are you ready? ?? #ArrayCanHelp #RateCut #FinancialTools #BankingInnovation #Loyalty

In our view, it is vital for investors to maximize income per unit of risk in the current tight-spread environment. The multi-sector category is offering attractive yields in the mid-to-high single digits – a healthy premium over the roughly 4.5% available in either cash or the U.S. Agg. #InvestingInvolvesRisk

"Overall, we see the following as the topics with the greatest focus this earnings season: 1) Will loan growth accelerate as anticipated following a seasonally slow 1Q24? 2) Has the deposit migration trend to higher-cost deposits from lower-cost deposits plateaued, and are deposit costs beginning to show signs of stabilizing? 3) What is the outlook for dividend increases and share repurchases as TCE ratios remain under pressure from mark-to-market impacts on AFS securities (despite strong regulatory capital levels)? 4) Is there M&A appetite, given depressed valuation levels? 5) When will credit issues emerge as the economic outlook remains uncertain and concerns about office CRE remain front of mind for investors?"

???? TLT: A Strategic Play As Rate Cuts Loom In A Debt-Heavy Market ?? Interest rates may have less impact on inflation than is commonly believed; for economic insights, the focus should be on bank credit and lending data. ?? Recession indicators include rising unemployment, softening manufacturing hours, and downward payroll revisions, despite strong GDP growth due to high government deficit spending. ?? The outlook for the bond market in the short to medium term is positive due to a possible recession and what we deem to be restrictive interest rates. ?? Caution is advised for long-term investors due to risks like financial repression, which could negatively impact long-term bondholders. https://lnkd.in/d-ah6WnN

H&P Financial Services Weekly – 19 December 2024 ? All was calm, all was bright, with markets gambolling gaily into the silent night. US stocks, US house prices, US National Debt and Bitcoin were at all-time highs, with US core CPI elevated above 3% for the last 3 years, and a rate cut expected. And then the Fed delivered not only the anticipated rate cut, but a forecast of only two quarter-point rate cuts next year, so half of the quantum previously expected. S&P and Nasdaq fell 3% and 3.6%, with high growth winners off more. In this last Financial Services Weekly of 2024, we look at several signs of irrational exuberance, then at long rates in the USA and UK, the impact of higher NICs on UK employment, the recent November inflation print, then to company news such as Impax’s client loss. Integrafin’s full year results, Vanguard’s repricing, and Wise’s major new client, Lastly, we reflect a moment on the winners and losers of 2024, with the great dispersion of returns that makes this space so fascinatingly full of possibility, even if we do not always have a single star to follow. The Magi had it easy. https://lnkd.in/gc-H-2sa

The drain on Cash from high interest rates is set to continue …?but hope is in sight! With the annual inflation rate ticking back up to 2.7% in November, leveraged PE companies are sure to continue to be faced with “higher for longer” interest rates of around 10%pa. Jerome Powell today again confirmed that the Fed “will be patient with interest rate reductions”. These high rates are sucking Cash out of companies and hindering the paydown of debt. For many, however, a proven process can alleviate this headwind and add significantly to their ultimate Enterprise Value. Companies sure to benefit are those with 20% or more of Sales tied up in Working Capital on their Balance Sheet. Tried and tested for over thirty years, PSG’s proprietary WCashPlus? Process converts a major portion of that WC sustainably into Cash. As a result, interest costs go down and net proceeds at exit go up. PSG offers a no charge, no obligation assessment of the amount of WC that can be sustainably converted to Cash at any given portfolio company. Email me at [email protected] and with a quick Zoom call I will illustrate: 1.?????How easy this is for the Management Team 2.????How the WCashPlus? Process typically improves investment returns by the equivalent of 1x EBITDA

Higher-for-longer is great for investors clipping their coupons and generating income. On the other hand, it's painful for borrowers with deteriorating interest coverage and few options but to amend-and-pretend. https://lnkd.in/e-jA83rp