Bank & Credit Union Insights

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).

The biggest challenge with dreadful ALCO meetings isn’t a lack of data. It’s deciding what matters.

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.

How do you take a sleepy meeting like ALCO that can be Dreadful, and transform it into a standing-room-only and engaging meeting?

Aside from going to market with a high-rate special, what can you do? The answer may lie in your existing data.

Deposit gathering is no longer passive; it is a strategic imperative.

Well-rounded credit risk stress testing processes can help allocate capital more prudently under any environment – stressful or otherwise.

What are you missing as 2025 approaches with continued earnings risk uncertainty? Here are four considerations to advance change at ALCO.

Recent volatility put interest rate risk models to the test. Here are five steps to regain trust in your risk model.

When it comes to 2025 budgets, what factors will emerge as "treats" (deposit stability, asset yields, etc.) versus potential "tricks"?

Financial institutions need to pivot their strategies as the FOMC embarks on an easing cycle.

These three steps begin building a liquidity management framework to help satisfy regulatory requirements and execute strategy confidently.

DCG's Senior Analysts summarize key themes from the 40th Annual Balance Sheet & Model Risk Management conference.

How can you transform a stale and Dreaded ALCO meeting into one that members look forward to attending? You need to flip the script.

How can institutions prepare for a potential liquidity event? Here are the five discussions your organization should have already had.

Below are five serious questions that we believe the ALCO at your institution should be discussing and finding your own answers to.

How does the economic value of equity computation (EVE) provide more comprehensive information than current standards for disclosures?

DCG has facilitated analysis with high-performing institutions that have decided to either execute or reject bond loss transactions.

As we head into next year, here are four focus areas to consider as you position your institution to win funding cost basis points.