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Articles by Bob Warnock
Achieving Profitable Deposit Growth in the Age of AI
Why Decision Intelligence Is Becoming Banking’s Next Competitive Battleground This article is adapted from a presentation given by Curinos Chief Business Officer Pete Gilchrist and Curinos Managing Director Bob Warnock on May 19 at Citi’s 2026 Beyond the Basics Conference. Growing deposits is hard, expensive and getting more so. Loan volume is up almost 8% in the last five years, but deposits haven’t kept pace—up only 3%.
Every Deal is a Deposit Retention Strategy
Since 2018 the average bank deal above $5 billion has seen 11% in consumer deposit attrition, with the bottom quartile losing more than 17%. That kind of forfeiture can be existential. The drivers of this dispersion are managerial—rarely macroeconomic. Early missteps trigger outflows that are difficult to reverse and expensive to replace. Acquiring institutions need to execute two missions simultaneously: protect the inherited franchise and articulate a compelling forward-looking value proposition.
How to Capitalize on this Year’s Growth Opportunity
From It’s Go Time for Commercial Banking: Are You Ready?, a webinar presented by Curinos on February 25 & 26, 2025, that featured Margarita Vacanti, SVP, Commercial Banking and managing directors Peter Serene and Bob Warnock. After several years of challenges, the commercial sector is poised for growth, thanks to what appears to be an increasingly favorable economic and regulatory environment.
Strategic Retail Planning - 5 Takeaways
From the Curinos webinar, “Harnessing the 4 Most Crucial Drivers of Growth in 2025,”presented on December 3, 2024, and featuring Curinos managing directors Peter Serene, Adam Stockton and Bob Warnock and SVPs Olivia Lui and Rich Martin.
Bank M&A: Forget Much Of What You Think You Know
After a recent lull, banking deals are expected to pick up this year thanks to anticipated rate reductions, higher stock values and healthier balance sheets. But today’s M&A playbook needs to be updated to reflect significant changes to deposit rates, consumer behavior and intensifying scrutiny from regulators. Required will be thorough analyses of customer-level relationships, using cross-bank data, to ensure value is captured and regulator questions are addressed quickly.
Harnessing The 4 Most Crucial Drivers Of Growth In 2025
As 2024 draws to a close, we’re bringing our experts together for a deep-dive on what’re likely to be the four most consequential and influential factors on banking performance in 2025: the direction of rates, changing customer behavior, personalization and accelerating AI, and regulatory changes and possible restructuring.
The Moat You Thought You Had? It's Been Breached
Migration of deposits from physical locations to digital has accelerated – by the end of 2024, online banks will hold nearly a quarter of all deposits. Their marginal cost of funds is whatever premium rate they offer plus non-physical marketing expenses. But a bank whose territory is under siege needs to protect its book, which can get expensive. More than ever, banks need a deposit playbook to ensure they don’t raise their rates too broadly and unnecessarily reprice their back book. Pandemic.
Reality Sets In For Loan-To-Deposit Ratios
The loan-to-deposit ratio (LDR) is a simple measurement used to assess a bank’s liquidity by comparing its total loans with its total deposits for the same period. As everyone is aware, the response to the pandemic delivered a surge of liquidity that reduced banks’ LDRs to levels not seen in nearly half a century. Many institutions mistook their specific excess liquidity position as good liquidity management instead of what it was – dumb luck.
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