Opinion

Think before you hit ‘send’

We have all been there. A board reporting deadline looms and you are waiting on “Jacob” to provide his quarterly charge-off numbers. You are down to the wire and send him a quick email asking for an update. Within seconds, you receive an “out of office” message stating he will be gone through the end of the week. WHAT?  [Continue]

The long, winding DIF road

It has been a slog for the industry to get to this point, and while the credits are appreciated, the environment was still better in the 1990s when many banks paid no premiums at all. But given how much things have changed in the last 25 years, the post-crisis premium structure seems appropriate. [Continue]