IntraFi’s Bank Executive Business Outlook Survey Overview

May 14, 1999

IntraFi® launched its inaugural Bank Executive Business Outlook Survey nine years ago, in Q1 2015, to reinforce its commitment to the banking industry. The survey was designed to gather and share information about bank decision-makers’ experiences over the past year and their expectations for how the industry landscape may change over the coming year. Participation, which is limited to bank CEOs, presidents, and CFOs, has grown substantially since its inception. The survey for the latest quarter included responses from executives representing more than 10% of U.S. banks (many multiples of what other industry polls typically gather).

- IntraFi’s Bank Executive Business Outlook Survey is the only survey to combine all the following factors:

- Represents the views of only bank CEOs, presidents, and CFOs

- Focuses exclusively on the U.S. market

- Regularly garners high levels of participation from hundreds of unique banks

- Includes opinions from hundreds of community banks

- Aggregates information and provides breakouts by asset size

- Regularly inquires about deposit competition, funding costs, loan demand, access to capital, and overall economic conditions and can demonstrate historical trends based on multiple years of data collection

- Includes topical questions–e.g., about the economy, perceived competitive threats, regulatory issues, or politics

- Includes the proprietary Bank Confidence Index^SM, conveying the aggregated outlook of senior bank executives for the coming year based on their responses to a standard set of key variables

- Is provided as a free service to the industry with information being made available to participants and others without charge

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Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements. IntraFi is not an FDIC-insured bank, and deposit insurance covers the failure of an insured bank. Deposits placed through CDARS and ICS are placed at FDIC-insured banks in IntraFi’s network and are eligible for FDIC deposit insurance coverage at network banks. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds. To meet conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi’s network that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits.