Skip to main content

Search Results for ""ALM 101""

Blog
|

ALM 101: Intro to Asset/Liability Management-Part 5: Non-Maturity Deposits

ALM & Non-Maturity Deposit Modeling: Assumptions on Key Funding Sources Accurate assumptions are vital in non-maturity deposit modeling when using the funding source as a natural hedge to changing interest rates. This is the fifth post in a series.   You might also like this infographic: “6 Reasons to Update Your

Learn More
Blog
|

ALM 101: Introduction to Asset/Liability Management-Part 4: Liquidity Risk

ALM & Measuring Liquidity Risk at Banks and Credit Unions Regulatory agencies expect financial institutions to manage liquidity risk using processes and systems commensurate with the complexity, risk profile, and scope of operations. This is the fourth post in a series.   Would you like other articles like this in your

Learn More
Blog
|

ALM 101: Introduction to Asset/Liability Management-Part 3: IRR-Value at Risk

ALM & Measuring Long-Term Interest Rate Risk Interest rate risk is measured through two approaches. This ALM 101 post describes the value at risk(VAR)/economic value of equity (EVE) risk perspective (long-term risk to market value of capital). It is the third in a series.  Would you like other articles like

Learn More
Blog
|

ALM 101: Introduction to Asset/Liability Management – Part 2: Interest Rate Risk – Earnings at Risk

ALM & measuring short-term interest rate risk Interest rate risk is measured through two approaches. This ALM 101 post describes the earnings at risk(EAR)/income at (IAR) risk perspective (short-term risk to the income statement). Would you like other articles like this in your inbox? Takeaway 1 Interest rate risk for

Learn More
Blog
|

ALM 101: Introduction to Asset Liability Management – Part 1: ALM Goals & Approaches

Asset liability management basics In part 1 of this “Introduction to ALM” blog series, learn the goals of asset liability management and how it can help financial institutions. You might also like this infographic, “Top 5 ALM Best Practices for 2022” DOWNLOAD Takeaway 1 ALM in banking means managing the

Learn More
Whitepaper
|

6 Reasons to Update Core Deposit Analysis

In the current environment, core deposit analysis is crucial for helping banks and credit unions remain competitive and profitable. Updated core deposit analytics provide the data for critical assumptions used in asset/liability models (ALM), and impact the overall risk management strategies at a financial institution. In this infographic, learn 6

Learn More
Whitepaper
|

5 Steps to Building an Effective Income Simulation

A key component of effective asset/liability management (ALM) is managing risks. For many financial institutions, an income simulation model is a fundamental method for measuring short-term interest rate risk exposure. This infographic lays out the five steps to building an effective income simulation to help manage inherent risk to a

Learn More
Whitepaper
|

3 Goals of Asset/Liability Management in Banks & Credit Unions

Asset/liability management is a crucial process designed to maximize an institution’s profitability while managing risk. The broad goal of ALM is to help produce sustainable earnings without compromising other interests of the institution. This infographic breaks down the goal of ALM into three key objectives. Download to Learn: Key profitability

Learn More
Blog
|

Cost Adjustments: Wrong Assumptions Can Depress Your FI’s Market Value Premium

Key Takeaways Financial institution executives wondering about changes in their market value premiums might need to look at the assumption used for modeling deposit servicing costs. Some ALM models rely on cost of servicing assumptions that haven’t been updated in years. Ideally, have your own cost of servicing data, but

Learn More

Looking for Banker’s Toolbox? You are in the Right Place!

Banker’s Toolbox is now Abrigo, giving you a single source for all your enterprise risk management needs. Use the login button here, or the link in the top navigation, to log in to Banker’s Toolbox Community Online.

Make yourself at home!