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According To The Data
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When it Comes to Commercial Balances,? Think Small
High commercial balances may be where the money is, but it’s not where banks should focus for low cost deposits, especially as rates fall. According to the Curinos Commercial Analyzer, fully 40% of balances greater than $1 million were earning more than 400 bp by year end. In stark contrast were balances below $1 million. Only 20% of them were receiving more than 400 bp in interest at year end, and their peak rate for the year was 255 bp. That’s over 140 bps lower than the 396 bp peak that balances over $1 million reached at the top of the rate cycle.
Curinos Events
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Webinar
You Get What You Measure – Adjusting Prospecting KPIs for Success in the New Consumer Deposit Market?
Changes in the economics of acquiring core deposit customers coming from both environmental factors reducing revenue (deposit margin, interchange tightening, and fee reforms) as well as the cost of acquisition (incentives, cost of marketing, and reduced response rates due to competition) are changing the ROMI calculation for many organizations.?
?? February 12
??1:00 pm ET
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Webinar
领英推荐
It’s Go-time for Commercial Banking: Are You Ready??
Commercial banks are laser-focused on growth in 2025. But competition for high-quality assets and high-value client relationships is stiffer than ever. Are you positioned to win? At this session, we’ll share insights into the pressures that persist across the industry and top priorities to counter them and make 2025 a winning year.?
?? February 25 | 12:00 pm ET
?? February 26 | 1:00 pm ET?
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Conference
Financial Wellness, Financial Inclusion & Financial Literacy?
Speaking Session: Analyst All-Stars | Financial Wellness, Financial Inclusion & Financial Literacy: Which Areas Are Ripe For Innovation In Credit, Investing And Savings??
Speaker: Suraya Randawa
?? February 29
??9:20 pm ET
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