Take Your ALCO From Compliance to Strategic
This article in collaboration with Dr. Ed Seifried. ALCO is the most important committee. And every board and management team must determine if their ALCO is driven by compliance, which satisfies regulators, or strategy, which satisfies regulators and monitors the strategic plan.
Market Data: A Mixed Bag of Positives and NegativesThe latest economic data continues to point to a weak economy in the first half of 2008, but an economy that barely avoids a recession. The data is a mixed bag of positives and negatives. But the stock market is holding up reasonably well despite periodic volatility. |
Vault Cash: The Next Frontier for Increasing PerformanceLast December, U.S. banks carried on average over $350,000 per day, per branch, but used about $9,229. The result? $1.5 B in excess cash. So why the difference between known cash levels and needs? |
Q&A: Would a sale-leaseback be a good option?
A lot of banks are feeling the pressure to find alternative, nontraditional ways to increase net income given the decrease in margins, the need to beef up provisions and the rise in noninterest expenses. We've seen a number of institutions find that additional funding source through the sale and subsequent leaseback of real estate that it owns.