Even the most engaged ALCO meetings can fall short of their goals if they can’t translate their best intentions into real strategy. Successful ALCOs follow their data’s lead and take a more structured approach to consider the impacts.
Reducing regulatory burden may feel like progress. But as we move toward lighter oversight, let’s not forget what those rules were designed to prevent.
On 9/17/25, the Fed announced a 25bps rate cut – its fourth since the tightening cycle ended in mid-2023, but the first since last December. It comes at a time of continued uncertainty regarding the forward paths of employment, inflation, and economic activity.
DCG’s primary objective for conference attendees is to walk away with “one key idea” for their institution. Sessions underscored a shared commitment to transforming unpredictability into opportunity through data-driven strategies. Here are the highlights from this year’s conference.
I have observed a number of common themes regarding asset / liability management and the business of banking that still ring true (to me). So, in the spirit of my 22nd work “anniversary,” here are 22 observations (in no particular order).
Unlike the COVID deposit surge, the impact of the loan origination surge is still at hand. Understanding the issues and how the next 18 months may impact your institution is critical when looking at longer-term success with your balance sheet.
Interest rate risk is about how changes in rates affect a bank or credit union's income and value. It’s not about predicting interest rates, but being prepared for different scenarios. Better strategic decisions come from understanding one’s risk profile and running what-if scenarios to optimize strategic efforts.
Effective liquidity management in banking requires a structured approach that balances readily available cash, alternative funding sources, and contingency planning.
