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The Best Defense is a Good Offense
Over the past five years, financial institutions have operated in a setting of historically low interest rates. These conditions have influenced changes in asset mix while presenting challenges to maintaining profitability. As interest rates declined, the yield curve steepened, prompting many institutions to rely more heavily on longer-term loans and securities to support profitability. According to a recent report by the FDIC, these changes in balance sheet composition appear to have resulted in increased interest rate risk exposure.
FDIC: Community Banks Stronger Than Ever
Industry consolidation, the rallying cry against over-regulation, has wrought its greatest effects on the very smallest and very largest banks. Those between the $100 million and $10 billion asset mark, meaning most community banks, have largely resisted consolidation, according to a report released by the FDIC.
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The State of High Risk Processing Today
The lure of high risk processing and its potential for windfall profits is nothing new. Since becoming a legitimate and bankable income source some 15 years ago, more and more consulting firms and processors claim they can place categories not widely accepted. So when your organization decides it’s time to diversify its portfolio with some less traditional accounts, it’s important to know how to separate smart risks from just plain risky business.
Will HeartBleed Convince the Public to Be More Secure?
More shocking than HeartBleed and so many other cybercrime exploits is the following nugget from Verizon’s 2013 Data Breach Investigations Report: “Most point-of-sale breaches could have been prevented if basic steps had been taken to enhance security.”
What are the basic steps that virtually every consumer and corporate computer user could take?
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