Supervisors Symposium - December 2023

Internal Use Only

The Current State and Outlook for Community Banking

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© 2023 –FinPro, Inc.

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Internal Use Only

A starting list of issues that will impact banking . . .

• Economy

•

Technology  AI

 Inflation vs Real Prices  Interest Rates  Unemployment and Labor Participation Rate  Consumer Confidence and Spending  Retail Sales  GDP  Recession • Regulation  Bank Failures  Liquidity  Fears of Credit Decline  Crypto, Fintech, BAAS and Other  CRA  FHLB Mission • Politics  2024 Election  Social Media Threats  ESG  Tariffs and Subsidies

 Shift to Cloud  FedNow

 Digital Dollar  Cybersecurity  Delivery Channels  Boomers retiring  Wealth Turnover  Flight from Urban  NIM  Funding  Asset Quality  Talent Management

• Demographics

•

Banking

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© 2023 –FinPro, Inc.

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