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S8 E10: Bank Nerd Corner: Why "FBO" is Out & Fintech Custody Accounts Are In, Rate Cut Buzz, and the FDIC’s New Rule
Fintech Takes
NIM Trends: Understand the Cycles
Customers' financial behaviors may shift during significant monetary changes, indicating potential inflection points for banks. Insights suggest that banks should conduct liquidity sensitivity and flow analysis while assessing their pricing power. Historical analysis reveals that bank Net Interest Margins (NIM) typically contract more rapidly in declining interest rate environments compared to their expansion in rising cycles. The industry trend shows a general decline in NIM since 1984, with community banks particularly experiencing declines in four out of the last five decreasing cycles. Anticipating NIM contraction is crucial for understanding banking dynamics in fluctuating interest rate scenarios.
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