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“As per weekly data, the banking sector’s gross ADR ratio increased to 44pc as of Oct 25, 2024, up from 39pc on Sept 27, 2024,” said Mohammad Sohail, CEO of Topline Securities. https://lnkd.in/dVA8J__4

The financial landscape is undergoing significant changes with the introduction of new regulations impacting Interest Rate Risk in the Banking Book (IRRBB) and Credit Spread Risk in the Banking Book (CSRBB). These changes, set to take effect from May 2024, are poised to reshape the way banks within the EU manage and report their financial risks. Ian Nelson and our Banking team explain below.

The financial landscape is undergoing significant changes with the introduction of new regulations impacting Interest Rate Risk in the Banking Book (IRRBB) and Credit Spread Risk in the Banking Book (CSRBB). These changes, set to take effect from May 2024, are poised to reshape the way banks within the EU manage and report their financial risks. Ian Nelson and our Banking team explain below.

The financial landscape is undergoing significant changes with the introduction of new regulations impacting Interest Rate Risk in the Banking Book (IRRBB) and Credit Spread Risk in the Banking Book (CSRBB). Ian Nelson and our regulatory team have outlined the impact of recent regulations to help you navigate these changes.

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

With the CFPB’s proposed rules and increasing account holder dissatisfaction, many banks and credit unions are re-evaluating their fee structures. But should your FI reduce overdraft fees? The answer isn’t simple. While 88% of account holders find value in overdraft protection, they also see high fees—often averaging $35—as excessive. Striking the right balance is key. Offering reasonable fees and educational resources can enhance account holder satisfaction, build trust, and boost retention. Is your FI ready to make the shift? https://okt.to/iVmQc2 #OverdraftFees #FinancialInstitutions #AccountHolderSatisfaction #BankingStrategy #FinancialLiteracy #RegulatoryCompliance #CustomerRetention

We will be hosting an in-person roundtable tomorrow with Ali Moussavi, head of payments strategy at the Bank of England to explore the Bank’s discussion paper on its approach to innovation in money and payments, and how it supports the Bank’s monetary and financial stability objectives. 🔗 View the Bank of England's discussion paper on innovation in money and payments, and submit your responses by 31 October 2024: https://lnkd.in/dajY4RQM #DigitalPayments #CentralBankMoney #Fintech #Innovation

Unrealized securities losses in the banking system fell by almost 30% (!!) in Q3. But, FDIC Chair Gruenberg adds, “increases in longer-term interest rates since the end of the third quarter would likely reverse most of these improvements in unrealized losses if measured today.”

#Banking Awash Bank, the financial behemoth, has been making strides despite difficult economic conditions, proving its mettle within the private banking industry. An impressive 38.6pc increase in paid-up capital has placed it at the forefront, outperforming major competitors but the state-owned CBE. Add to this a notable two-point boost in the capital adequacy ratio. Read more https://ow.ly/gOBN50UsraQ

It's heartening to see new guidelines being implemented. Ultimately it boils down to what the customers were looking for, and not what the banks want to push. Of course, the actual implementation remains to be seen, and ultimately bad actors will still be an issue in the industry, but this is a step in the right direction. Have you been pitched something that you felt was unnecessary by a bank before? #financialplannign #financialadvice