Deposit Strategies In a Pandemic
Analytics and Deposit Study Tools to Better Manage Balance Sheet Risks
Most institutions have observed a significant spike or surge in deposits since the onset of COVID-19. This unusual increase in deposits and liquidity are accompanied by a variety of uncertainties that raise important questions about the dependability of these elevated levels. Your institution’s outlook on the stability of these deposits has significant implications for lending appetite, loan pricing strategy, deposits strategy and use of wholesale funding.
These deposit behaviors may arguably be the most significant assumption in your interest rate risk and liquidity models. What will your models assume for rate sensitivity and average life stability? Best in class institutions are utilizing analytical tools including forecasting capabilities and data science to determine appropriate deposit strategy roadmap during this very uncertain time.
This webinar will share current deposit trends from Darling Consulting Group’s vast data set such as current and expected balance decay, CD retention levels, and migration analysis (to name a few) which can help drive strategies to lower funding costs while managing the deposit base.
Highlights of the webinar include:
- Deposit segmentation strategies to isolate temporary surge deposits
- Data trends and case studies from over 200 institutions
- Interrelating marketing best practices and balance sheet management strategies
- Industry pricing trends to help influence deposit strategies
- Connecting your deposit strategy’s impact on wholesale funding, investment initiatives, and loan strategy
- Early Identification of Key Risk Indicators
Deposit Consultant, Darling Consulting Group
Billy is a Deposit Consultant at Darling Consulting Group, working directly with financial institution executives to validate and better understand key deposit assumptions utilized in risk models. In addition to supporting core deposit study analyses, he also educates DCG’s client base on utilizing data analytics to support strategic deposit decisions through Deposits360°®, DCG’s proprietary tool.
Billy began his career with DCG in 2008 as a financial analyst. He is a graduate of the University of New Hampshire with a degree in finance and management.
Managing Director, Darling Consulting Group
Joe is a Managing Director at Darling Consulting Group, working directly with financial institution executives to improve the effectiveness of their asset liability management (ALM) process. In this capacity, he provides tailored solutions for managing interest rate risk, liquidity risk and capital. Joe is also expert in the overall balance sheet management process, including risk model design and implementation, regulatory compliance and executive-level education. He is a frequent speaker and author on a variety of ALM topics.
Joe has been with DCG since 2005, and is a graduate of University of New Hampshire with a degree in finance.
Registration to the live session includes:
- One online connection
- CPE credit for registrant
- Permission to reproduce the handouts and other written material for additional attendees at your location
Only registered attendees of the live session can obtain CPE credit. Attendees of FMS live webinars also receive two views of the On-Demand version of the program they attend. Use this bonus feature to share the program with colleagues or as a refresher at a later date. Instructions for viewing the on-demand session will be emailed to you at the conclusion of the live event.
|| Earn up to 1 hours of CPE credit.
- Level: Basic
- Prerequisites: None
- Advance preparation: None
- Field of Study: Finance - Technical
- Instructional Method: Group Internet Based
- Length: 60 minutes
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: www.nasba.org.
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