Visbanking Bank Information

Revenue Growth It’s a key measure of a bank’s performance.Higher growth indicates more earnings and potential expansion. Net Interest Margin This KPI reflects the profitability of a bank’s core activities. A higher NIM means more profit from lending. Loan to Deposit Ratio It measures a bank’s liquidity. A lower ratio indicates the bank has more […]

In a world rocked by economic turbulence – the pandemic, for one – the banking sector finds itself on a tightrope. Balancing asset quality, potential loan defaults, and the integrity of balance sheets has become the new normal. Enter BIAS: Bank Intelligence and Action System. This isn’t just another banking tool. It’s a revolution, a […]

While navigating the dynamic landscape of banking and finance, we often come across a common question – How can technology revolutionize traditional banking? The digital revolution is transforming the way we handle our finances. The proliferation of mobile banking and online transactions bears testament to an age where convenience and efficiency are paramount. However, with […]

Let’s talk about the elephant in the room. Asset Quality Concerns. Yes, economic disruptions like the pandemic have rattled the financial sector, causing deterioration of loan quality and casting a dark shadow over the balance sheets of banks. But every storm has a silver lining. Enter BIAS – Bank Intelligence and Action System. A game-changer […]

In the world of banking, digital transformation is no longer a ‘nice-to-have’. It’s a necessity. So, how do we navigate this ever-evolving landscape? The key, in my opinion, lies in leveraging data and analytics. In a recent McKinsey report, it was noted that banks leveraging data and analytics have seen a profit margin increase of […]

In the face of unexpected challenges – health crises, economic downturns, technological disruptions – our ability to adapt and persist has been tested. It’s clear that operational resilience, underscored by robust business continuity plans, isn’t just necessary, it’s imperative. Enter BIAS, or Bank Intelligence and Action System. Unlike traditional banking systems, BIAS doesn’t just collect […]

On Sunday, September 17, a reported 75,000 climate activists protested In New York City in the “March to End Fossil Fuels.” One day later, hundreds of agitators moved to blockade New York’s Federal Reserve Bank in an act that has been referred to as civil disobedience. The activists demanded that banks end non-renewable energy funding. […]

Ever felt like you’re navigating a ship in a storm without a compass? That’s the reality for many banks today, facing the tumultuous seas of illiquidity and insolvency. These challenges aren’t mere blips on the radar. They’re tempests, born from rapid interest rate increases that devalue long-duration assets on bank balance sheets, rendering them illiquid. […]

The Bank for International Settlements has just warned global investors about the possibility of continued high interest rates. The BIS cautioned that continued high inflation would likely force the Federal Reserve and other central banks to keep rates at the current higher levels. Justification for high interest rates As Reuters noted in its report, markets […]

The banking world is on the cusp of a transformation. As a leader in the bank intelligence space, I see this transformation as an opportunity. In today’s digital age, customers expect more from their financial institutions than ever before – faster transactions, more flexibility, and greater accessibility. The traditional banking system is changing to adapt […]