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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.
The next deposit battle is in front of us, but this time, it’s a battle within. An internal conflict is taking shape at financial institutions between the desire for additional deposit cost reliefversus the desire to accelerate deposit growth. With the Fed signaling an extended pause, the ability to get both in bulk will be incredibly challenging.
Finding the sweet spot amid this conflict will have a meaningful impact on funding costs and liquidity levels moving forward.
Join Darling Consulting Group Managing Directors Joe Kennerson and Billy Guthrie as they share deposit strategies to walk the line between deposit growth and funding cost relief. Drawing on fresh insights direct from DCG’s Deposits360°® Cross-Institutional data set, they’ll walk through the hard data, emerging trends, and their latest forecast for the road ahead.
Highlights include:
- How to find the sweet spot to maximize funding cost relief while balancing liquidity levels
- Understanding the price elasticity of rate strategies
- Getting surgical with CD and MMDA pricing levels
- Live Deposits360° case studies and data insights
Don’t miss the opportunity to discuss battle-tested strategies and case studies of how to build successful funding platforms that bridge the divide between cost relief and meaningful growth.