Author: Adam Mustafa, CEO
In the field of banking risk management, there's an old saying about “fighting the last war.” This mindset reflects our industry’s tendency to focus on the last major crisis as a model for what we might...
Why CRE Concentrations May Not Be as Risky as They Seem
Author: Adam Mustafa, CEO
In today’s banking landscape, commercial real estate (CRE) concentrations are frequently regarded with caution, often drawing concern from regulators, shareholders, and industry observers alike. Yet,...
IMCR's- Prevention and Rehabilitation
Author: Adam Mustafa, CEO
Reports are emerging about regulators prescribing Individual Minimum Capital Requirements (IMCRs) to banks with Commercial Real Estate (CRE) and construction loan concentrations. IMCRs are often...
How to Effectively Communicate with Regulators
Author: Patti Casaleggio, Head of Operations
Navigating regulatory landscapes can be challenging, especially for financial institutions facing increased scrutiny and evolving standards. Effective communication with regulators is...
Empowering Your Bank's Stress Testing Strategy: Why Choosing the Right Analytics Partner Matters
Author: Patti Casaleggio
As we navigate today’s intricate landscape of financial risk management, stress testing remains a cornerstone of proactive risk mitigation for banks. In today's dynamic environment, securing the right...
Crop Insurance Trends in the US: An application of Invictus PoWER Analytics tool
By Álvaro Espitia and Avik Ray
Crop insurance indemnities have risen due to the worsening effects of climate change, including droughts and floods. This trend is incredibly challenging for farmers who grow commodities like corn,...
Does Your Bank have a Liquidity Problem?
Author: Avik Ray , Director, Liquidity Risk Analytics
In the dynamic landscape of community banking, staying ahead of potential liquidity problems is crucial for maintaining stability and growth. As guardians of the financial...
Liquidity Concerns Lurking for Some Banks with CRE Concentrations
Author: Adam Mustafa, CEO
Concerns surrounding liquidity and funding are poised to become a pressing issue for banks with concentrations in commercial real estate (CRE), drawing the attention of bank examiners, analysts, and...
The Risks of Relying on Expensive Funding Sources for Community Banks
Author: Avik Ray, Director Liquidity Risk Analytics
The Risks of Relying on Expensive Funding Sources for Community Banks
Community banks play a vital role in fostering local economic growth and providing essential financial...