Preparing for Rising Rates: Balance Sheet Strategies in a Changing Environment
On-Demand Webinar (February 23, 2022)
Darling Consulting Group
Eric is an Account Manager at Darling Consulting Group where he assists financial institution executive teams to bolster their asset liability management (ALM) process. In this role, he provides comprehensive solutions in various areas such as interest rate risk, liquidity risk management, and capital. Additionally, Eric is well-versed in the areas of deposit strategies, regulatory support, and executive-level education.
Eric began his career at DCG in 2014 as a financial analyst and has also worked closely with the implementation, development, and education of DCG’s decision-support tools (Deposits360°® and Prepayments360°™). He currently lives in the Seacoast area of NH with his wife and is a graduate of the University of New Hampshire with a degree in economics.
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.
The Fed’s hawkish policy pivot revealed in the most recent FOMC minutes is good news for the industry as the market anticipates earlier Fed actions causing higher rates along the curve. Financial institutions are balancing the earnings challenges in today’s low rate environment against the fear by many of inflation and multiple Fed hikes ahead. Difficult balance sheet decisions will revolve around excess liquidity strategies, preparing for heightened deposit competition and potential disintermediation, and comfort level to add longer-term assets amid rising rates, among other challenges.
Please join Darling Consulting Group for a 75-minute webinar that will take the fear out of rising rates and highlight strategic opportunities for your ALCO to capitalize on in 2022.
Highlights of the webinar will include:
Interest rate risk clarity is key: Understand and quantify the impact of the timing, magnitude, and ultimate yield curve shape as Fed hikes (use history as your guide)
Capitalizing on rising rates: Strategic opportunities to consider and avoid with excess cash and cash flow. Prepare now for unrealized losses and execute your game plan without concern!
Deposit Game Plan: Lessons learned from the 2016-2018 cycle, lag ability and when we make our first move, minimizing cannibalization risk on promotions, assessing an offensive strategy (i.e. growth) vs. defensive (i.e. retention)
Loan Pricing and Product Update: Effective pricing and product structures explored to ensure we retain and grow best credits while being mindful of rising rate risk…negotiation tactics revealed
Rising rate risk insurance options explored including wholesale, retail, and the important role derivatives can play for effective risk management