Funding Strategy in Today's Market

Funding Strategy in Today's Market

March 10 - 11 | Orlando, FL

Funding Strategy in Today's Market
Building Your Funding Strategy – An Interactive, Hands-On Clinic

Register Now

Program Description

Think of “banking” as a factory. Like any manufacturing facility, we must first secure access to consistent supply and cost-controlled raw inputs -- funding. For financial institutions, the raw materials used to produce our assets (loans to our market) are core deposits. Historically, this raw material was more plentiful from consumers and businesses and was attractively priced. Today, competition for “core deposits” is fierce, and in some cases, out of control. Strong loan demand has raised loan\deposit ratios for many FI’s into the danger zone, creating more unstable actions in the deposit market. Further pressures from fintech market entrants, changing demographics, and use of technology to mine information are presenting depositors with many alternative offers that may leave your institution starving for inputs.

With the many challenges facing community financial institution’s, it is time to assess long-standing operational boundaries and “factory controls”. Most FI’s are missing a manager of deposit strategies and growth. For example, who is watching deposit growth and overall effectiveness? What are the proper metrics to determine success? How do changing market demographics factor in to your product design, marketing and sales strategies? How do we communicate the plan to the front-line staff?

With a limited supply of deposits, designing more structured control over the procurement process is a good start towards more a more effective deposit management process that enhances institution value. In this interactive, hands-on session we combine examples with your data to help you lay the groundwork for a funding plan. We will discuss and define:

  • How to determine the most desirable asset demands
  • How to leverage your core deposit results\assumptions for improved financial performance
  • Determine and define product and pricing strategies for each funding sector
  • Best practices to manage funding costs and risk management needs
  • Which wholesale funding sources offer protection and profit given your risk profile

Our objective is to help you define realistic, profitable and measurable growth and development goals to support your asset and capital growth needs.


Tuesday, March 10, 2020

7:30 AM – 4:00 PM

7:30 AM - 8:00 AM
Buffet Breakfast

8:00 AM - 8:30 AM
Introduction and review of agenda

8:30 AM - 9:30 AM
Role of capital plan and financial goals

9:30 AM - 10:30 AM
Determining your "funding needs"

10:30 AM - 10:45 AM

10:45 AM - 11:45 AM
Identify and assign goals to sectors

11:45 AM - 12:30 PM

12:30 PM - 1:30 PM
Role of demographics in strategy design

1:30 PM - 2:30 PM
Individual work time

2:30 PM - 2:45 PM

2:45 PM - 3:45 PM
Defining Sector Strategies

3:45 PM - 4:00 PM
Wrap up

Wednesday, March 11, 2020

7:30 AM - 8:00 AM
Buffet Breakfast

8:00 AM - 8:30 AM
Recap day 1 and define day 2 goals

8:30 AM - 9:30 AM
Role of wholesale funding - when does it make sense?

9:30 AM - 10:30 AM
Defining sector strategies

10:30 AM - 10:45 AM

10:45 AM - 11:15 AM
Monitoring progress: Defining the "right success metrics"

11:15 AM - 12:00 PM
Role of demographics in strategy design

12:00 PM
Wrap up


Dave Koch
Managing Director, Advisory Services, Abrigo

Dave is a popular presenter and a featured speaker at regional and national financial industry events and a lead faculty member of the Graduate School of Banking - Madison. Dave delivers educational programs on Capital Planning, Asset/Liability Management and pricing topics throughout the country and specializes in executive-level advisory services in all areas of asset\liability management.

During his 25 year tenure with FARIN, and now as Managing Director, Advisory Services with Abrigo, Dave has become deeply committed to helping the community financial industry survive and thrive in the face of increased competition. A major component to successfully competing is the presence of an effective ALCO\risk management process that promotes developing workable strategies to improve financial performance while managing overall risk levels.

Location and Accommodations

Rosen Shingle Creek Orlando
9939 Universal Blvd
Orlando, FL 32819

There are limited hotel rooms available, please contact FMS directly as the discounted room rate is no longer available thru the hotel.

 Credit Hours
Earn up to 12 hours of CPE credit.
  • Level: Basic to Intermediate
  • Prerequisites: None
  • Advance preparation: None
  • Field of Study: Economics
  • Instructional Method: Live-Group

For more information regarding administrative policies such as concerns or refunds, call 800-ASK-4FMS (800-275-4367). FMS is registered with the National Association of State Boards of Accountancy as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses. Complaints regarding sponsors may be addressed to: The National Registry of CPE Sponsors, 150 Fourth Avenue, North, Suite 700, Nashville, TN 37219-2417 Web:

Refunds and Cancellations

A refund minus a $250 processing fee will be provided for cancellations received by FMS in writing four weeks prior to the program start date. No refunds will be given for cancellations received after that date. A substitution from your institution is welcome at any time. FMS reserves the right to change instructors or reschedule/cancel sessions when necessary. FMS is not responsible for airfare penalties incurred due to the cancellation of the program. For more information regarding refunds, concerns, and/or program cancellation policies, please contact our offices at (312) 578-1300.

Registration Fee

Members and Non-members sign in or create an account below to register

FMS Members:                              $1,195
Staff/Co-Worker of Member:      $1,395
Non-members:                              $1,795

Register Now

Download a Registration Form

3/10/2020 - 3/11/2020
Rosen Shingle Creek Orlando
9939 Universal Blvd
Orlando, FL 32819 United States

Sign In