Topic/Theme Reports

Conference Chat-Regionals: Wailing on Rates, Becoming Digital Divas

09/22/2015

Regional banks are under assault by a combination of disruptive trends that could be loosening their grip on their regional customer bases. Where once this customer base was insulated by the threats from outside the region big banks, now GSIB banks and non-bank financial institutions have penetrated their regions and are offering national consumer, brokerage, and commercial loan products that ignite more pricing competition.


Conference Chat: Plenti of AXP Growth, DFS Student/Personal Initiatives, COF Details-Lite

09/22/2015

At the Barclay’s Financial Services Conference AXP and DFS continued to highlight their growth initiatives, Plenti and OptBlue (AXP) and student and personal loans (DFS). Capital One focused on digital investments, but didn’t have much to add after a disappointing second quarter.  


Conference Chat:  BK & STT – Growth & Accounting Snafu

09/21/2015

The two global investment servicing champions have similar strategies to drive growth via innovation & expanding existing customers. BK addressed its recent fund accounting snafu.

 

Conference Chat: BBT & RF - Growth Search, Oil & Gas Gripes

09/18/2015

BB&T and Regions both chanted the same refrain as the roadmap to growth – diversified revenues, products, services and geographies.  Regions’ energy exposure is in the riskier segments and is bigger than peers as a percentage of total loan book.   


Conference Chat:  Citi and Wells – Card Fever

09/17/2015

Citi and Wells Fargo presented similar stick to their knitting, focus on efficiency stories at the Barclay’s Global Financial Services Conference.  Interestingly both are interested in growing credit cards – one back to national prominence and the other to compete with the national goliaths. 


Big Brokers Living Wills 2015: MS & GS Improve Resolution Plans

07/13/2015

Both Morgan Stanley & Goldman Sachs living wills provided more specific guidance on how to proceed through a Dodd Frank Title I resolution process. While the regulators should be more satisfied, still the plans are best guesses of rather difficult to navigate hypothetical loss scenarios.


Card Talk: Discover Financial - Online Lenders: Fear, Fight, Forge Partnerships?

06/08/2015

Discover Financial (DFS) recently presented at the recent Deutsche Bank Financial Services Conference. While more focus was on macro card trends, technology, and mobile payments, we were more interested in the company’s views on the emerging online lending landscape. So far, DFS is watching it, but has not decided how to react. Investors and risk managers are similarly intrigued by this newer financial services group entrant.


Regional Bank Remarks: Zions, Pin-Ball Wizard – Bouncing to Retail & Resi Mtg

06/08/2015

Teaser: Zions Bancorporation’s CEO Simmons and new CFO Paul Burtis, presented at the Deutsche Bank Financial Services Conference. Zions is rebooting its retail and residential mortgage business as commercial and energy related lending takes a back seat with oil-price plunge. Still working off credit crisis hangover from its troubled CDO portfolio and weakened commercial real estate. Another regional bank pin-balling around for growth.


Regional Bank Remarks: HBAN Hunting for Card Growth Again

06/05/2015

Regional banks are taking another look at the credit card business as loan yields hit death valley low levels in the commercial sphere, and home mortgage lending still stalled by the GSE conservatorship issues. Many regional banks abandoned the card business in the early years of the 2000s due to stiff competition from national card players. Will this time be different? 


Card Talk: MasterCard - “Card Wars”

06/03/2015

Mastercard CEO presented at the Deutsche Bank Global Financial Services Investor Conference where he discussed various strategic views including market share discussions, European competition, expansions into China...


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