2021 Deposit Trends & Strategy Outlook: Strategic Initiatives Supported by Data Analytics

On-Demand Webinar (February 4, 2021)

Billy Guthrie

Deposit Consultant

Darling Consulting Group

Billy is a Deposit Consultant at Darling Consulting Group, working directly with financial institution executives to validate and better understand key deposit assumptions utilized in risk models. In addition to supporting core deposit study analyses, he also educates DCG’s client base on utilizing data analytics to support strategic deposit decisions through Deposits360°®, DCG’s proprietary tool.


Billy began his career with DCG in 2008 as a financial analyst. He is a graduate of the University of New Hampshire with a degree in finance and management.

Joe Kennerson

Managing Director

Darling Consulting Group

Joe is a Managing Director at Darling Consulting Group. In this capacity, he works directly with financial institutions by providing solutions for their asset liability management process in the areas of interest rate risk, liquidity risk management, ALM modeling, regulatory compliance and executive-level education. He is a frequent speaker and author and directly advises clients in all aspects of ALM.

Who could have imagined that the industry's concerns over liquidity would transform almost overnight from, "Where do we get more funding?" to "Where do we put all this funding?" The unprecedented COVID surge has cushioned liquidity levels and interest rate risk sensitivities but has created tremendous uncertainty on the stability of this growth. The industry is now challenged with all-time low margins in an environment of historic low interest rates and faced with the dilemma of how aggressively to redeploy this “excess” liquidity – while trying to build expectations for the next round of stimulus. Our goal for this webinar is to help bring clarity to the historical deposit surge and to share ideas to help prepare for what is next.

 

Join DCG’s Deposits360°® team of consultants as they share observations on the current state of the deposit landscape and provide strategic insights into issues facing financial institutions of all sizes. With live case studies leveraging Deposits360°® new Cross-Institution Analytics platform, which includes over 2 billion individual deposit records, spanning two decades of rate cycles with 4,700 branches in 48 states, DCG will present key trends with actionable insights.

 

Key highlights of the webinar include:


  • Deposit pricing and balance outlook for 2021

  • Breaking down everything COVID surge to get a better sense of future cash levels

  • An inside look at decay and balance trends on specific surge cohorts (e.g. new accounts vs. existing)

  • Review pricing and decay trends on MMDAs and CDs

  • How to utilize forecasting and deposit analytics as a strategic advantage

  • Risk management implications…how has the recent surge (and potential for additional stimulus growth) impacted our risk models


Our cutting-edge Deposits360°® platform will be utilized to enhance the learning experience and demonstrate the power of unlocking your institution’s deposit customer data.