Description
When interest rates eventually begin climbing, will these deposits stick around? Will your institution face unforeseen liquidity problems and rising funding costs?
Background
The banking industry is awash in cash, and much of this excess liquidity is parked in core deposit accounts, specifically in checking, savings, and money market accounts. These "surge deposits" have been a source of concern in recent exams, as regulators believe they are skewing interest rate risk and liquidity models.
Agenda
During this session, we’ll discuss:
• Monitoring industry trends for shifts in deposits through various rate environments
• Which deposits are true core deposits and which are temporarily parked in these core accounts
• Ways to determine the expected lives of these deposits
• Measuring the rate sensitivity of these accounts
• Utilizing appropriate strategies for asset allocation given the deposit behavior
• Identifying key model validation techniques that are expected in exams
Benefits
This webinar will help you to:
• be better prepared for the next rate cycle
• be better prepared for regulatory exams
• have more accurate interest rate risk models
• have more confidence in which are assets are appropriate for their funding base
Who Should Attend
• Financial Officers
• Risk Management Officers
• Treasury Officers
• Asset Liability Management Staff
• Controllers