Expert advice that will help manage risk, maximize income and comply with regulatory expectations.
DCG commends the regulators for their recent statements on IRR and liquidity. Their guidance outlines what we believe to be sound asset liability management practice. DCG has been incorporating these practices for years in working with our clients to achieve their optimum financial performance.
With the increased regulatory pressures, a “Wholistic” approach to ALCO is required to balance and optimize what are increasingly difficult objectives of financial performance and regulatory compliance.
DCG’s flagship consulting service is the ALM Advisory Service – a consulting relationship featuring quarterly reviews of your balance sheet profile to maximize income and manage risk, while maintaining adequate levels of liquidity and capital.
Working with financial institutions of all asset sizes and charters, DCG assigns a team to each client. A financial analyst prepares the ALM model and reporting package utilizing the industry’s most rigorous data validation and assumptions development process. A business consultant attends your ALCO meeting each quarter and:
- addresses key industry and economic factors
- reviews your position and presents strategies specific to your profile impacting interest rate risk, capital planning and liquidity management
- promotes discussion on operating issues – such as product pricing and mix – that affect ALM
DCG’s “Wholistic” approach to asset liability management covers eight key factors that contribute to a bank’s success while meeting the expectations of the current regulatory environment:
- Comprehensive Modeling
- Rigorous Assumptions
- Risk Assessment
- Strategy Development
- ALCO Action
- Contingency Planning
- Board Involvement
- Customized Policies
We help prepare you for your next exam, work with you to make sure you are in compliance with all of the regulatory guidelines and help you to explain and justify your decisions and actions to the examiners.
DCG’s ALM Advisory Service addresses all aspects of your asset liability management process. When you consider all the pieces it takes to do it right in-house, our ALM Advisory Service is cost-effective, while providing the additional assurance of having an ALM expert experienced with banks and credit unions like yours across the country.