Deposit Analysis For Today's Environment
|Date / Time:
Understanding and controlling the impact of economic changes on deposit costs ranks as the single greatest risk to bank financial performance as interest rates rise.
In every increasing interest rate cycle since 1990, bank margins have compressed due to faster increases in funding costs versus asset yields. Given most bank's heavy concentration in non-maturity deposits today, the potential volatility to costs are greater now than ever before.
In this session, we will examine how a bank might review its depositor composition and changes in that makeup to better craft pricing strategies and design products aimed at meeting the needs of depositors without blowing up the overall interest expense.
Prerequisite: This course focuses on strategic decision making and more in-depth review of depositor data. Participants should have a basic understanding of the need for, and concepts of modeling or measuring depositor behaviors.
- What constitutes a "good" core deposit study
- Why a bank needs a more in-depth review of depositor profiles
- What changes took place in the past decade
- How those changes may play out in the coming years
- What are the financial risks of being wrong on your beliefs?
- Your options to build a more stable funding strategy to support the overall bank's risk profile
Dave Koch specializes in executive-level advisory services and is actively involved with Farin clients, developing capital planning strategy, loan & deposit pricing, evaluating interest rate risk and other ALM concerns.
During his 23-year tenure at Farin, he has become deeply invested in helping clients develop effective ALCO processes and is committed to helping the community financial industry develop workable strategies and risk management processes to improve financial performance, regulatory compliance and overall solutions to business challenges.
Dave is a popular presenter and a featured speaker at regional and national financial industry events. He regularly delivers educational programs on Asset/Liability Management and pricing topics to Federal regulatory agencies, national and state industry trade groups, Federal Home Loan Banks, and Credit Union trade groups nationwide.
Dave currently serves on the faculty of the Graduate School of Banking at the University of Wisconsin–Madison, as well as numerous other industry schools across the United States. He has a Bachelor of Science in Economics from Eastern Illinois University.
Cannot Attend The Live Presentation?
This presentation is also available in a recorded format, in On-Demand Or CD versions, as shown in the pricing options below.
|About Webcasts / Audio Conferences / Podcasts:|
Webcasts, audio conferences, and podcasts are presentations that you
attend via the Internet, phone, or mobile device at a specified date and time for "live" versions, or at your convenience for "recorded" and "On-Demand" versions.
versions are interactive, meaning that participants can ask questions in real time, plus are a very cost-effective form of training because 1) you receive fast, convenient learning without
any out-of-office time; 2) you can invite as many colleagues as you'd like to listen in on a single phone line; 3) you incur no travel expenses; and 4) you and your colleagues are back
at work immediately after the session ends!
And though with recorded versions you do lose the ability to ask questions, you gain the ability to hear the presentation numerous
times and to share it with others in your office.
Handout materials and the phone number for live presentations are made available to you prior to the event via email from the
presenter and from the "MyAccount" link on the menu bar. Copies of the presentations are included with recorded versions.
|Licenses / Designations / Educational Credits:||CEU|
All US States: 2.5
All Canadian Provinces: 2.5
|About The Provider:
||Since 1983 Total Training Solutions has produced dozens of videotapes, CD-Roms, DVD's and web-based training modules. In addition to off-the-shelf products, Total Training Solutions also develops custom training products and consults with financial institutions to develop their own training curriculum.
For timely delivery of training topics, webinars or web conferencing is an unbeatable option. We now offer over 100 live programs per year and you can even purchase the recorded or ondemand session if you are unable to attend the live program.
We have worked exclusively with the financial industry since our founding. Because of this, we understand the needs of training departments in financial institutions and are alert to changes which affect the industry.
Attend the live session with the opportunity to ask questions to the presenter. You also receive a link to the handouts. All registrations for a live event will be given access to the OnDemand recording, at no additional cost, for seven days following the event. This will allow a flexible alternative when last minute conflicts intrude on scheduled events.
CD-Rom includes audio and video of recorded webinar plus hard copy handouts. You will also receive 6 months access to the OnDemand weblink as an added free bonus.
Includes a weblink for unlimited viewing for 6 months after the date of the webinar as well as a link to handouts.
Live + Recorded:
Includes all three options above. Live session, OnDemand Weblink, and CD-Rom plus Hardcopy Handouts.
Live + OnDemand:
Includes two of the options above. Live session and 6 months access to OnDemand Weblink plus link to handouts.
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