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Alex Matjanec, co-founder of MyBankTracker.com, sees new bank fees as inevitable in 2012, imposing a burden on consumers to search for value in their banking relationships.
A consistent measurement methodology helps bankers manage the profitability of their CD funding.
Troubles in the eurozone could impact U.S. banks negatively in 2012. Watch that LIBOR and be prepared for interest rate volatility.
While banks have more deposits than they can profitably lend out, many continue to focus on the relationships behind the unneeded cash.
While bankers may be tempted to downplay CD funding in today’s low-rate environment, the need to fund term loans profitably requires renewed attention to this essential product.
Federally-insured deposits exceed the price inelasticity of gasoline in periods of economic turmoil, which means bankers can reduce deposit rates faster than once thought possible.