What is Non-Maturity Deposit Analysis?
In order to provide analytical insights into your intuition’s deposit book, ALM First utilizes a proprietary, industry-recognized method that evaluates non-maturity deposits via a rigorous econometric investigation of account behavior. ALM First couples this model with qualitative overlays, supporting documentation, and sensitivity of key variables. Through our solution, understand how non-maturity deposit account balances and rates behave, both over time and with possible changes in market rates, to create defendable, institution-specific assumptions.
Services with ALM First
ALM First has two levels of service to analyze non-maturity deposits:
Building Your Model
ALM First utilizes your historic, institution-specific data to build a robust model:
- Historical NMD data
- Effective final maturity
- Decay rate
- Rate sensitivity factors (beta)
- Non-interest cost
- Anticipated future pricing strategy