The word unprecedented became commonplace in banking circles in 2023. The Federal Reserve’s rate hike campaign pushed bank balance sheets deeply underwater, spurred deposit outflows and exposed asset/liability mismatches at some institutions that culminated in record-breaking bank runs that led to the second, third and fourth largest bank failures in US history. Those closures and the liquidity crunch, regulatory response, market selloff and eventual recovery that followed changed the competitive landscape and the way bank observers view the industry. This episode features commentary from experts at BTIG, Davis Polk, Janney Montgomery Scott, KBW, Luse Gorman, Piper Sandler and others on the lessons learned from the liquidity crunch, the fallout afterward and the potential opportunities that lie ahead.
Ep. 107 - Lessons learned from a modern day bank run
Ep. 106 - Banks may want to shrink rather than pay up for loan growth
Ep. 105 - Banks could see opportunity in fintech's cleansing fire
Ep. 104 - Deposits king of the bank M&A mountain amid funding hunt
Ep. 103 - Investors worry about bank liquidity, earnings drag from underwater bonds
Ep. 102 – Hopes that the bank dealmaking cool front could break in 2023
Ep. 101 - D&I focus helps Northwestern Mutual nearly double industry's blockbuster growth
Ep. 100 - KBW CEO offers optimism for bears fearful of bank liquidity, credit
Ep. 99 - Higher rates punish bond portfolios, weigh on bank M&A
Ep. 98 - Regulatory scrutiny having cooling effect on community bank M&A
Ep. 97 - Recessionary fears still keeping bank investors on the sidelines
Ep. 96 - Considering recession risks, prospects that the Fed achieves a 'soft landing'
Ep. 95 - Strategies for community banks to grow, navigate the upcoming "hurricane"
Ep. 94 - Recessionary fears in '22 overblown, Fed could overtighten
Ep. 93 - How to predict deposit betas, avoid betting too much on rate hikes
Ep. 92 - Citizens CEO discusses impact of inflation, growth through digital bank
Ep. 91 - Formerly bullish bank investor turns contrarian, saying stocks are "out of gas"
Ep. 90 - Banks should not wait on the Fed to put cash to work
Ep. 89 - Big bank cuts to overdraft fees could trickle down to small banks, spur M&A
Ep. 88 - Bank returns could fall short of Street's expectations, sparking more M&A
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