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1. Credit Crunch: How Business Leaders Can Navigate Today’s Lending Environment
   Commercial lending is showing mixed signals so far in 2025 amid tighter standards, particularly in commercial real estate. While interest rates have
2. The Difference Between Managing Money And Leading Financially
   What’s the real difference between managing money and leading financially, and why does it feel so risky to get wrong?
3. The future of retail is the intersection of digitalization and sustainability
   Retailers worldwide, especially traditional ones, are facing two major headwinds: digitalization and sustainability. It's crucial for every retail CEO
4. Three Changes Coming for Social Security in 2025
   Anticipating changes coming to Social Security in 2025 can help you start planning for the new year. Here's what to expect and how to maximize your benefits
5. Why Jerome Powell's business-as-usual Jackson Hole speech was the best possible outcome
   Fed Chair Jerome Powell's annual Jackson Hole speech was uneventful, but that's not a bad thing. Powell reiterated the Fed could start tapering its asset purchases this year and rates aren't changing soon. Stocks hit record highs during the speech as investors shrugged off fears of an early pullback in Fed support. See
6. Why the supply chain is in crisis, spurring an 'everything shortage'
   The supply-chain crisis is the result of COVID-19 disruptions paired with a boom in demand. Shortages of workers, equipment, and space have only made
7. Why You Should Advertise Your Business's Security
   Effective marketing of your security and privacy policies can help your business grow, but how? These days, customers and business partners alike are
8. Tax Planning Tools: Strategies and Checklist
   There’s no getting around the fact that we must pay taxes throughout our lives. Implementing strategies to help control and manage those taxes is a critical component of your overall financial plan. By taking advantage of opportunities to reduce your taxable income and potentially maximize tax deductions, you can redir
9. Community Reinvestment Act
   Old National works to build products, services and collaborative partnerships that help individuals and families reach their goals. Access our CRA Public File.
10. What are the replacement rates for LIBOR?

    Although options for replacing LIBOR continue to evolve, Old National has currently identified the following potential replacement options for our clients:

    1. Secured Overnight Financing Rate (SOFR)
    2. Term SOFR

    The Secured Overnight Financing Rate or SOFR is the replacement benchmark recommended by the New York Federal Reserve’s Alternative Reference Rate Committee (ARRC). (See references below for more information on the work of the ARRC.) SOFR is derived from transactions that are executed in the overnight repurchase agreement (repo) market. These transactions are executed between banks and other intermediaries and are often collateralized by US Treasury securities. The market for SOFR is very deep and liquid with nearly $1 trillion in underlying transactions executed daily. 

    While SOFR has been identified as the replacement index for LIBOR, there are multiple calculation methodologies which have been developed given that SOFR is a daily rate. The CME Term SOFR Reference Rates benchmark is a daily set of forward-looking interest rate estimates based on the SOFR futures contracts. CME Term SOFR Reference Rates are calculated and published for 1-month, 3-month, 6-month and 12-month tenors. Like LIBOR, CME Term SOFR Reference Rates are forward-looking, and the rate is set at the beginning of the period and interest is paid in arrears.