Banker To Banker

10 Important Pieces of Data Banks Need To Collect On Commercial Customers

Predictive Data at Banks

While most banks understand the important data points when it comes to loans or deposits, most banks still could use help on collecting some of the basic information about their customers. The age of utilizing customer data to get predictive about risk, customer profitability and marketing is just beginning at banks so this is a new field for many. For example, a change in number of employees at your borrower is correlated to both credit risk and profitability.

The Impact To ROE Of Various Bank Budget Initiatives

Impact of Bank Budget Initiatives

Three years of kicking the can down the road, striking last minute deals for “Super Committees” and pointing fingers obviously wasn’t enough practice for Congress as our esteemed government is finally shut down.  You would think that, when faced with the two options of either cutting down on spending or raising revenues, Congress could have picked one, or at least implemented a combination of the two. Instead, our elected officials (who are still getting paid) decided to go with the age-old strategy of hyperpartisan malfeasance and do nothing.

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