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Harry Terris

Reporter

Harry Terris was American Banker's data editor. He contributes regularly on a freelance basis. Before American Banker, Terris ran the bank M&A data and analytics department at SNL Financial. He grew up in Washington, D.C., graduated from the University of Virginia with a BA in economics, and lives in New York.

Recent Stories from This Author

Banks to Spend More on Tech in 2016 — Especially Security
October 15, 2015 Some 75% of chief information officers plan to increase spending on security technology next year, with many anticipating...

Tech Chiefs Increasingly See Themselves as Change Agents: Survey
August 3, 2015 Corporate strategy is taking up more of a CIO's day than ever, survey respondents say.

Stopping Hackers Is Job One for Bank CIOs: Survey
August 2, 2015 Security and online and mobile banking rose to the top of bank CIOs' priority lists this year, according to a proprietary...

Banks’ Market Growth a Whirl of Wins and Losses: Interactive Graphic
August 1, 2013 Most banks have been adding deposit share in some key markets while slipping in others. This graphic provides snapshots of how...

Big Losses in Banks’ Bond Portfolios, Investors Yawn: Interactive Graphic
July 23, 2013 Second quarter marks against securities have ranged to 5% or more of tangible equity, but markets have looked past the losses...

Bank Margin Growth Depends on More than Rates: Interactive Graphic
July 18, 2013 Deposit costs lagged short-term interest rates on the way up and the way down during the last cycle. A relatively large...

Deposits May Not Be Dime-a-Dozen Much Longer: Interactive Graphic
July 15, 2013 Planned price increases and hints that households are looking for higher yields for their savings suggest that the flood tide...

Interest Rate Oracles and Leverage Games
July 11, 2013 Receiving Wide Coverage ... Talking Rates: More communication and more interpretation. Federal Reserve Chairman Ben...

Mortgage Refis Crash, 2Q Bank Earnings to Show Damage: Interactive Graphic
July 10, 2013 The long-anticipated collapse in mortgage applications, finally a reality, stands to take a bite out of bank earnings in the...

Sluggish Loan Growth Bodes Poorly for 2Q Reports: Interactive Graphic
July 3, 2013 Growth in business loans continued to outpace other categories in the second quarter but failed to rebound to the blistering...

Bank Loan Spreads Hold Up Despite Low Rates: Interactive Graphic
June 26, 2013 Various loan types have been yielding fatter margins over banks’ cost of funds through much of the Fed’s campaign to stimulate...

Higher Rates Not Always a Help to Net Interest Margins
June 24, 2013 Hoping that a steeper yield curve will boost your net interest margin? History shows that higher rates might not have that...

Signs of Life in Business Cards: Interactive Graphic
June 21, 2013 The business credit card sector, which was on life support near the end of the recession, appears to be strengthening.

Prudence Trims Credit Card Losses, Dims Growth Outlook: Interactive Graphic
June 18, 2013 Credit card chargeoff rates declined in May, defying the usual seasonal pattern. Loan growth remains elusive.

Banks That Push Business Loans Catch Up on Profits: Interactive Graphic
June 13, 2013 Some banks have transformed their loan portfolios with a focus on business borrowers, and made strides in profitability at the...

The Real Problem with Banks’ Profit Margins: Interactive Graphic
June 7, 2013 Loan yields are still healthy relative to funding costs. It’s the pileup of low-rate bonds on bank balance sheets that has...

Comeback in Sight for Private Mortgage Bonds: Interactive Graphic
June 5, 2013 The fees Fannie and Freddie charge to cover credit risk on mortgages have been surging. Large segments of the market may soon...

Why Higher Rates Might Not Fatten Bank Margins: Interactive Graphic
May 31, 2013 Net interest margins are complex beasts. During the last Fed tightening cycle, the yield curve turned negative and margins...

Dimon Postscript; Eurozone Turmoil Sparks U.S. M&A
May 28, 2013 Receiving Wide Coverage ... A Little Something for Dimon Withdrawal: Feeling bereft now that the shooting has died down in...

Who’s Being Irrational? Look at C&I Yields: Interactive Graphic
May 24, 2013 Banks have been blaming one another for recklessly chasing business loans. Data on portfolio yields and growth offers...

Will Tech Advances Hurt the Underbanked?
It's long been assumed that technology will help the financially underserved access the banking services they need. Christine Duhaime, founder of the Digital Financial Institute, a fintech think-tank, says this assumption is wrong.
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