Solving the Deposit Surge Mystery
Unraveling Historical Growth with Data Analytics
The unprecedented COVID deposit surge has cushioned liquidity levels and interest rate risk sensitivities but has created tremendous uncertainty on the stability of this growth. The industry is now challenged with all-time low margins in an environment of historic low interest rates and faced with the dilemma of how aggressively to redeploy this “excess” liquidity. Our goal for this webinar is to help bring clarity to the historical deposit surge and to share ideas to help prepare for what is next.
Join DCG’s Joe Kennerson and Billy Guthrie as they share observations on the current state of the deposit landscape and provide strategic insights into issues facing financial institutions of all sizes. With live case studies leveraging the new Deposits360°® Cross-Institution Analytics platform, which includes over 2 billion individual deposit records, spanning two decades of rate cycles with 4,700 branches in 48 states, DCG will present key trends with actionable insights.
Highlights of the webinar include:
- Quantifying the surge magnitude to help inform your risk models
- Identifying the source of the deposit surge and where it resides on your balance sheet
- Projecting potential outcomes to gain confidence of what cash levels may look like in the future
- Gaining confidence in redeploying excess cash based on the deposit analysis
- Risk management implications…how has the recent surge impacted our risk models?
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, where he works directly with senior management teams on building customized balance sheet strategies to improve earnings and manage risk. Joe strives to be an expert in overall Asset Liability Management and educates ALCOs in the inevitable balance of financial performance and regulatory appeasement. He is a frequent speaker on ALM topics and strives to make the complex simple while bringing a high level of energy to his sessions.
Joe has been with DCG since 2005, where he has benefited from working with nearly a thousand ALCOs throughout the country on ALM and strategic initiatives. He lives in Boxford, MA with his wife and two children and has been an active member with the Big Brothers Big Sisters program. Joe 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.
Members and Non-members sign in or create an account below to register.