Stas Melnikov, Head of Quantitative Research and Risk Data Solutions at SAS, tells RBI: "We have a number of structural issues that existed before and still exist. We had a decade of super low interest rates that pushed many banks into a significant asset liability mismatch from an interest rate risk perspective. Just functionally, there wasn't really any other way to make money for a smaller community or regional bank. That interest rate mismatch is still in the books. The interest rates are high. They alw ...