Steve Boselli
2023: The Year of the "Uncertain" Budget
If there were ever a time when institutions spent countless hours to be “precisely incorrect,” it was the 2022 budgeting process!
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Bank & Credit Union Insights
Andrew Mitchell
- Jan 19
Deposits360°® Monthly Industry Review
The monthly Review highlights key trends in the Deposits360°® Cross-Institution database and deposit forecasting models.
Mark Haberland
- Dec 14, 2022
Hot Topics in Model Risk Management & Validation
Institutions can face significant challenges when it comes to model risk management. And getting it wrong may bring meaningful consequences.
Bob Lallo
- Dec 6, 2022
Applying Multiple Perspectives to the “Loss Trade”
DCG Managing Director Bob Lallo analyzes some of the key considerations surrounding the “Loss Trade.”
John Demeritt
- Nov 10, 2022
Asset Quality, Earnings, and Capital, Oh My!
How will the recession impact your institution? Particularly in these volatile economic times, stress testing can help drive an answer.
Zach Zoia
- Oct 26, 2022
Not so fast, my friend!
Consider alternative outcomes to the rate forecasts we have been offered by both the Federal Reserve & the markets.
Zach Zoia
- Oct 14, 2022
Unlocking Valuable Strategic Lending Insights
Institutions must try to change the conversation around lending strategy if they truly want to set themselves apart from competition.
Keri Crooks
- Sep 7, 2022
If your ALCO conversations haven't changed, be concerned
Financial institutions are in the business of taking calculated risks, but it is the responsibility of ALCO to measure and manage them.
Andrew Mitchell
- Sep 1, 2022
The Hidden Risk Behind Earnings Projections
Over the last three months, a hidden risk dynamic has crept into many institutions’ interest rate risk profiles.
Mark Haberland
- Aug 8, 2022
Going Beyond the "Tick & Tie"
It's time for your next model validation, but who should perform it - and how? Regulators make it clear that model validation is...
John Demeritt
- Aug 8, 2022
Bracing for the "Ripple Effect"
Critical Risk Management Action Items for Asset Quality, Earnings, & Capital. In recent weeks, regulators have signaled concern at levels...
Keith Reagan
- Aug 3, 2022
Top ALCO
In the summer blockbuster Top Gun: Maverick, we catch up with Lt. Pete Mitchell (call sign: Maverick) as he breaks Mach 10 in an...
Joe Kennerson
- Jul 7, 2022
Transforming Deposit Pricing from an Art to a Science: Five Essential Analyses
What if deposit pricing could be more of a science and less of an art form? When I ask bankers how their teams make deposit pricing...
Jeff Reynolds
- Jun 28, 2022
The Scenario Nobody Talks About
In the asset/liability management business, we spend a lot of time running “what ifs.” These are scenarios that make us think, analyze...
Billy Guthrie
- Jun 21, 2022
Deposit Competition Will Intensify... Are You Prepared?
The FOMC increased the Fed Funds rate by another 75bps last week for a total of 150bps over the last three months, the most aggressive...
John Demeritt
- May 10, 2022
Inflation: Three Outcomes that Could Test Capital Resiliency
Leverage and net worth ratios have declined, on average, by over 1% since the onset of the pandemic, driven by inflated balance sheets...
Mike Mitchell
- Apr 25, 2022
Now Is the Time to Do Our Homework on Deposits
The definition of preparation is: the action or process of making something ready for use or service or of getting ready for some...
Michael Guglielmo
- Apr 11, 2022
Getting Model Risk Management Right
Good model stewardship demands policies, sound data, education, documentation, and follow-through.
Darnell Canada
- Apr 5, 2022
Looking at the Cash/Investment Strategy Through a Rear View Window
In November, I wrote about widespread fears of rising market rates and the related risks and rewards of adding duration to the cash and...
Vinny Clevenger
- Mar 14, 2022
Navigating through an Uncertain Forecast
During the boating season, I find myself constantly checking weather reports. I have several applications on my phone that I scroll...
Darnell Canada
- Nov 30, 2021
Not the Dreaded "D" Word
The year was 1996 and I was in an ALCO meeting early in my career. The topic of the conversation was interest rate risk and someone...
Joe Kennerson
- Nov 18, 2021
Searching for the Silver Bullet
Any silver bullet strategies?” This is a question we have received more this year than in any past year. The silver bullet quest is to...
Justin Bakst
- Oct 7, 2021
Past, Present, and the Future with Predictive Analytics
Almost 30 years ago, George Darling published a short book titled, The Business of Banking for Bank Directors. In the opening paragraphs...
John Demeritt
- Oct 7, 2021
The Capital Conundrum
The onset of the pandemic and economic shutdown brought fear to the industry. Credit losses appeared imminent for many financial...
Tap into the latest bank and credit union insights from across the DCG team.
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