As we approach 2025 , the

financial landscape is set

to evolve , presenting most

with a mix of optimism and

caution . Stabilizing interest

rates offer promising growth

opportunities , while global

tensions remind us to proceed

with care . In addition ,

technological advancements

are becoming even more

necessary in this dynamic

environment , reshaping

how businesses and financial

institutions operate .

At Valley , we ’ re ready for what 2025 will bring and are excited to support the Central Alabama community . While there may be challenges , I ’ m cautiously optimistic and excited about the potential opportunities coming our way .

LOCAL OPPORTUNITIES FOR GROWTH

Interest rates have followed positive trends over the past few years , offering a promising window for businesses and entrepreneurs thinking about funding opportunities . This is particularly true for Alabama , where growth is evident in both small businesses and large corporations . While global tensions continue to pose challenges , the local outlook

remains robust , with Alabama poised for economic growth .

TECHNOLOGY TAKES CENTER STAGE

In 2025 , integrating technology into financial services will not just be an advantage but a necessity . Financial institutions should increasingly focus on enhancing their tech capabilities , recognizing that a technology-driven approach is crucial for sustaining growth . Embracing advancements such as artificial intelligence ( AI ) can lead to more efficient and responsive services , significantly benefiting consumers and businesses .

Valley Bank works hard to put the customer first in everything we do . Therefore , we must consider how we invest in tech to grow and offer solutions . From AI to old-school banking , we provide strategic growth opportunities for our clients .

FRAUD IS COMBATTED BY TECHNOLOGY

As opportunities expand , so do the chances of fraudulent activities . Global fraud losses have reached alarming levels ; recent industry resources estimate that global fraud losses are up to $ 500 billion , underscoring the importance of robust fraud detection systems .

But AI and other advanced technologies have given us

tools to combat it . Valley is investing heavily in these technologies to safeguard assets and ensure the security of financial transactions .

INTEREST RATES STABILIZE

Economic forecasts for 2025 suggest a low probability of recession . Top economists predict just a 30 % chance of economic downturn despite the potential shifts brought about by new presidential policies . However , this optimism is tempered by the understanding that financial conditions are subject to change , requiring businesses and individuals to be vigilant and adaptable .

LET ’ S MOVE FORWARD WITH CAUTIOUS OPTIMISM .

The financial outlook for 2025 encourages us to embrace opportunities with care . We can effectively navigate challenges and unlock growth by harnessing tech and prioritizing security . The key is to make wellinformed decisions that contribute to a strong and resilient financial future .

As you plan , ensure you have a reliable banking partner who understands the risks and opportunities that may arise . Working with a well-established bank that can assist with treasury , lending , and insurance is essential , catering to your financial needs comprehensively .

Jason K . Gardner is SVP ,

Market President at Valley

National Bank and has

been in the industry for

over 20 years .

This article is intended for educational purposes only . Statements of fact and opinions expressed are solely of the writer and , unless expressly stated to the contrary , are not the opinion or position of Valley Bank . Additional terms and conditions apply for certain products and services mentioned . All loans products are subject to credit approval . You should consult your own tax , legal and accounting advisors before engaging in any transaction .

© 2025 Valley National Bank . Member FDIC . Equal Opportunity Lender . All Rights Reserved .

JASON K . GARDNER 334.233.3882

58 CentrAL Inc !