Sykes & Ray Equities (I) Ltd.’s Post

The number of banks on the Problem Bank List, those with a CAMELS composite rating of ‘4’ or ‘5’ increased from 52 in fourth quarter 2023 to 63 in first quarter 2024. The number of problem banks represented 1.4% of total banks, which was within the normal range for non-crisis periods of 1% to 2% of all banks. Total assets held by problem banks increased $15.8 billion to $82.1 billion during the quarter. #banking #regulatory #fed #fdic #communitybanking #commercialbanking #realestate #lending #lendingsolutions #liquidity https://lnkd.in/gXuBrb98

How does inflation impact banking? If you’ve been wondering about this, then we have the blog for you! Check it out at https://lnkd.in/gksmX9Af.

Check out this insightful blog 💡 👀 😯

The bank of the future is likely to be significantly different from traditional banks today, driven by technological advancements, changing consumer behaviors, and regulatory developments. In this article, François Masquelier (Simply Treasury) outlines some some key aspects of what the bank of the future might look like. Read article: https://lnkd.in/eGcP4rVU #treasury #banking #futurefinance

Reported results have shown that U.S. banks' fee income in the second quarter of 2024 helped offset lower net interest income year over year. The largest U.S. banks maintained prudent reserves and capital to comply with higher expected regulatory requirements and to absorb the now-familiar stresses on commercial real estate and consumer loan portfolios. See our key #bank #earnings takeaways for 2Q24 below and read the full report here: https://ow.ly/miKk50T3kXE #FitchRatings #Banks

Thoughts on the US Banking Sector and CRE with Banking expertise in Kurt Hansen and CRE knowledge and expertise with Eric Seidenberger and Sumit Grover. There is a lot more to discuss, debate and analyze in deposits, capital adequacy and asset quality. Looking forward to seeing bank earnings through the first half of the year. https://lnkd.in/eSMa448s

Exposure to interest rate risk was a key driver in the banking shock of 2023. Our Letter discusses how bank franchise value can provide some stability in banking amid a volatile interest rate environment, as well as its limitations. https://sffed.us/4daN3wO

Think you know how bank deposits work? 🤔 A new report reveals a surprising truth about household savings and their impact on the banking system. The findings might surprise you. Read the full report now!

Banks and credit unions are increasingly feeling the pressure to reduce expenses, grow core customers and acquire low-cost deposits simultaneously. To get there, most are taking one of two taking two distinctly different approaches in their branch network strategy: https://hubs.li/Q02FGwXH0

Scott Bessent is a major proponent of reducing banking regulations. He had talked about banks being forced to hold large amounts of Treasuries. In a webcast I was listening to the other day, someone raised a concern that, post-deregulation, selling of Treasuries by Banks could lead to a spike in rates. But banks hold ~$1.4 trillion of Treasuries, not that big in the overall scheme of things.