Displaying 1 - 10 of 10 results.
July 22, 2022 | Ask ALM
In June of 2021, the 10-year treasury sat just under 1.50% and mortgage rates were in the 3% range for many borrowers. Housing prices were soaring and financial depositories across…
View Article →April 21, 2021 | Ask ALM
It’s easy to focus on the immediate impact of rising interest rates on depositories’ bond portfolios. No one likes to see the value of their investments fall, even temporarily, but…
View Article →November 19, 2020
The year 2020 has caused a significant shift in the way Americans view everyday activities due to COVID-19. Many storefronts have implemented card only policies to slow the spread of…
View Article →October 29, 2020 | Ask ALM
Many depositories have already tightened where they are willing to lend as changes in delinquency reporting requirements, payment assistance programs and forbearance are making risk forecasting more complex and causing…
View Article →August 22, 2019 | Ask ALM
Many financial institutions are now focusing on their 2020 planning by identifying likely challenges, defining strategic direction, and forecasting the balance sheet and financial performance through the budgeting process. One…
View Article →February 14, 2019 | Ask ALM
Last year was a profitable one for most financial institutions. Despite increased volatility and global concerns, depository performance reached post-crisis highs as shown in Figure 1. Today, many institutions are…
View Article →January 11, 2019 | Ask ALM
Financial depositories should avoid complacency in 2019 and keep liquidity, repricing and interest rate risk in mind despite strong performance in 2018. Widening net interest margins (NIMs) and tax cuts…
View Article →June 13, 2018 | Ask ALM
When it comes to product pricing, adhering to a disciplined approach is critical. Often, institutions use an economic transfer price as a benchmark for performance and product pricing, also known…
View Article →April 12, 2018 | Ask ALM
Financial markets have seen significant change since the beginning of 2018. In anticipation of the Federal Reserve’s recently announced rate hike, and predictions of two or three more this year,…
View Article →November 3, 2017 | Ask ALM
Regardless of the asset size, all successful financial institutions share common factors that play into their success. Recognizing, understanding, and managing each of these factors can aid financial institutions in…
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