Bank & Credit Union Insights

The question “Who owns deposit growth?” became one of the more interesting parts of this week's discussion. And for many institutions, the answer is surprisingly unclear, despite deposit growth becoming increasingly important given the industry's near-term and long-term funding challenges.

This week, the team dug into a topic that has surfaced in several recent conversations with DCG clients: how a risk model’s greatest value can sometimes lie in making teams uncomfortable.

This week's discussion started with the following question: Can/should banks and credit unions use deposit pricing to influence customer behavior rather than simply reacting to it?

In this week's meeting, the DCG consulting team discussed how maintaining loan growth at any cost can create a much longer-term earnings problem.

This week’s discussion focused on building strategies that can perform across a range of rate scenario outcomes.

This morning’s meeting was a spirited debate on incorporating NII simulations that highlight the impact of yield curve risk.

In this week’s meeting, the team discussed how DCG clients are integrating AI in their business practices.

The focus this week was on evolving opinions and market developments regarding the potential acceptance of fair value hedge accounting using interest rate caps.

Most institutions are still benefiting as lower-coupon loans cash flow or reprice into a higher-rate environment. That means interest income can rise even without growth. The challenge is that the story is starting to turn on both sides of the balance sheet.

Institutions of all shapes and sizes are implementing proactive balance sheet strategies to reduce potential exposures, not because they are guessing what will happen to rates, but because they are implementing to be ready regardless.

Two distinct themes emerged from this week’s meeting: credit and, as it does often, liquidity.

The DCG advisory consulting team starts every week with an internal discussion of market trends, regulatory developments, and the real experiences of our bank and credit union clients. Here are the notes from this week’s Monday Morning Meeting.

The DCG advisory consulting team starts every week with an internal discussion of market trends, regulatory developments, and the real experiences of our bank and credit union clients. Here are the notes from this week’s Monday Morning Meeting.

The DCG advisory consulting team starts every week with an internal discussion of market trends, regulatory developments, and the real experiences of our bank and credit union clients. Here are the notes from this week’s Monday Morning Meeting.

The DCG advisory consulting team starts every week with an internal discussion of market trends, regulatory developments, and the real experiences of our bank and credit union clients. Here are the notes from this week’s Monday Morning Meeting.