ALM First On-Demand

What is ALM First On-Demand?

ALM First On-Demand lets you analyze “what-if” scenarios instantly via an online 24/7 web application (no special software needed). This service combines the complexity of ALM First Analytics’ modeling assumptions with the ease of a Web browser that is tailored to suit your individual needs.

Benefits of ALM First On-Demand

ALM First On-Demand provides a quick analysis of how changing assets, liabilities, and coupon rates affect interest-rate risk, projected net income, ROA, and economic value. Key components include portal access and unlimited scenario testing.

Asset Liability Management

With the ability to change the composition of the balance sheet as well as coupon rates, you can instantly see the changes in income and economic value. This feature gives you a quick and general sense of the incremental risk versus earnings of balance sheet changes.

  • Constant Access

    Available 24/7 and accessible by any member of the depository team with portal access

  • Quick Analyses

    Results calculated within seconds to give a projection of the impact to ROA, net interest income, and the percent change of economic value

  • Unlimited Scenarios

    Run as many scenarios as desired – simply input the values for a scenario, view results, and then clear inputs to begin a new scenario

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What software is required for ALM First On-Demand?

No special software is required for ALM First On-Demand. It is a web-based application available 24/7 and is accessible from any device with Internet access.

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How is ALM First On-Demand accessed?

Once logged on to the portal through ALM First’s website, click Applications at the top of the page and select ALM First On-Demand.

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How often are ALM results updated?

The most recent ALM results are loaded into ALM First On-Demand after each ALM Report.

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How accurate are results from ALM First On-Demand?

ALM First On-Demand is intended to provide a quick analysis of how changing assets, liabilities, and coupon rates affect interest-rate risk. Results provide an estimate of risk position and projected net income given the change. For any significant strategic decision which has a major impact to the balance sheet or which significantly changes the risk profile as seen through ALM First On-Demand analysis, a full “what-if” scenario can be run by the ALM First team in order to provide a complete “what-if” packet for the institution. Contact the ALM First team for more information.

All investing is subject to risk, including the possible loss of the money you invest.

“ALM First” is a brand name for a financial services business conducted by ALM First Group, LLC (“ALM First”) through its wholly owned subsidiaries: ALM First Financial Advisors, LLC (“ALM First Financial Advisors”); ALM First Advisors, LLC (“ALM First Advisors”); and ALM First Analytics, LLC (“ALM First Analytics”).  Investment advisory services are offered through ALM First Financial Advisors, an SEC registered investment adviser with a fiduciary duty that requires it to act in the best interests of clients and to place the interests of clients before its own; however, registration as an investment advisor does not imply any level of skill or training.  Moreover, ALM First Financial Advisors, LLC (“ALM First Financial Advisors”), an affiliate of ALM First Group, LLC (“ALM First”), is a separate entity and all investment decisions are made independently by the asset managers at ALM First Financial Advisors. Access to ALM First Financial Advisors is only available to clients pursuant to an Investment Advisory Agreement and acceptance of ALM First Financial Advisors’ Brochure. You are encouraged to read these documents carefully. Balance sheet advisory services are offered through ALM First Advisors.  Financial reporting services, loan introduction services, and other special project services are offered through ALM First Analytics.  Neither ALM First nor any of its subsidiaries provide legal, tax, or accounting advice. This firm is not a CPA Firm.

INVESTMENT PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, ALM FIRST OR ANY OF ITS AFFILIATES • SUBJECT TO INVESTMENT RISKS, INCLUDING POSSIBLE LOSS OF THE PRINCIPAL AMOUNT INVESTED.