Author: Adam Mustafa, President
One of the most critical principles in banking is that the worst loans are often made in the best of times. This paradox underscores how economic conditions at the time of a loan's origination can...
Know Your Limits
Author: Adam Mustafa, President
When it comes to managing capital and risk, knowing your limits isn't just about staying within regulatory boundaries—it's about understanding your bank's strengths and leveraging them for...
Every Penny of Capital Counts
Author: Adam Mustafa, CEO
When it comes to capital, community banks often lean on conventional wisdom, which may work for now but could limit their growth and adaptability in the future. Many CEOs confidently assert that holding...
The Evolving Commercial Real Estate Landscape
Author: Adam Mustafa, CEO
At Invictus Group, we pride ourselves on leading discussions about critical issues in banking and finance. Our President, Adam Mustafa, recently contributed his expertise to an article in American Banker...
Preparing for the Next Major Financial Crisis: Beyond 2008 and 2023
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,...