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COMMUNITY BANK
                                                                                                                                 EXPERIENCE

                                                                                                                                 CORRESPONDENT

                                                                                                                                 BANK EXPERTISE





                                                                                                                                    Fixed Income Securities Sales
                                                                                                                                                 •
                                                                                                                                   Bond Accounting & Safekeeping
                                                                                                                                                 •
                                                                                                                                    Loan Hedging (ARC Program)
                                                                                                                                                 •
                                                                                                                                   Commercial & Industrial Credits
                                                      Banking                                                                           International Services
                                                                                                                                                 •


                                                                                                                                                 •
                                         Predictions for                                                                             Clearing/Cash Management

                                                                                                                                                 •
                                                         2018                                                                   Asset/Liability Management Reporting





                                                                                                                                512.681.4452   800.848.8573



                                     Predicting key trends in any in-  Banks have overcome their fear
                                  dustry means taking into account     of fintechs and now seek ways to                          111 Congress Avenue, Suite 400
                                    uncertainty, reality and possibil-  partner with them. Branch trans-                                Austin, Texas 78701
                                   ity—and predicting the future of    formation remains on the front
                                   financial services is no exception.   burner, no longer stigmatized as a
                                    In some years, that might as well   crisis in need of change. There are                         www.csbcorrespondent.com
                                  demand a delicate handling of the    even signs that lingering burden-                                     Visit Us
                                    crystal ball. Yet 2018 begins on a   some regulations are easing. So,
                                  very favorable note. The economy     what does the crystal ball hold
                                   is strong. Margins are improving,   for the banking industry in 2018?
                                     albeit with some pressure from    Here are five picks, courtesy of
                                                 rising deposit rates.   BAI Banking Strategies.


                                                         By DAVID KERSTEIN
                                                THIS ARTICLE ORIGINALLY APPEARED ON BAI.ORG



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