Banking has become a very complex business in recent years.

Gone are the days when a bank could rely on established margins, tried-and-true formulas and industry guidelines to produce earnings.

Today, bankers are finding that their "traditional" loan and investment portfolios can no longer produce sufficient revenue. At the same time, their "traditional" funding sources are getting more expensive and difficult to come by as depositors are expecting higher returns for shorter maturities.

Is
"contingency liquidity"
in your plans?

It's sound banking
strategy and the
regulators want
to see it.
Call us today and
let's talk about your
"contingency liquidity"
plans.

To be successful in this market, banks need to explore alternative investment and funding opportunities — but they also need to be able to manage the risks associated with these new vehicles.

This ongoing consulting relationship — we consider it a partnership — provides clients with outsourced ALM modeling together with independent balance sheet advice and support over the long term.

DCG’s expert staff works closely with your management team and board to clarify goals, develop and implement strategies, improve risk management, and increase earnings.

Through on-site quarterly reviews of your balance sheet position and participation in your ALCO meetings, DCG provides customized recommendations to support bank planning efforts and help manage regulatory expectations.

In the end, our ALM Advisory Services will give you ALM-tailored strategies designed to increase earnings and reduce risk. Specific areas of focus include:

• deposit and loan growth/pricing strategies
• investment portfolio review and recommendations
• funding alternatives advice and recommendations
• budget and capital planning
• assessment of competitive, regulatory and economic environments
• establishment of short- and long-term financial goals
• development of operating liquidity and contingency liquidity plans
• policy reviews for ALM, investments, liquidity, contingency liquidity and hedging
• creation of practical action plan for strategic implementation

To learn more about any of these services, please contact Travis Thompson at tthompson@darlingconsulting.com / 978-463-0400 ext. 154 or Michael Guglielmo at mguglielmo@darlingconsulting.com / 978-463-0400 ext. 159.