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Its World Cup mania and creating a model to predict the winner is excellent training for bankers looking to forecast their deposit run off in the future. In this article, we take bankers through a step-by-step process of “vibe modeling” a World Cup model and then apply it to modeling future deposit run off due…

Our recent sampling of 73 banks indicates that most banks have not adjusted loan or relationship pricing assumptions over the last two years. That could be a mistake as the environment has been radically different since 2020, and many banks are mispricing their commercial loans and relationships. In this article, we provide banks with four…