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September 5, 2018
September 2018 Market Commentary
Economic Update The U.S. economy continues to expand at an above-trend rate, but potential headwinds from trade policies and emerging market stresses are fueling some anxiety in financial markets A…
View Commentary →August 17, 2018 | Ask ALM
How Can Credit Risk Benefit an Investment Portfolio?
Often, institutions are more willing to accept credit risk in their loan portfolio but avoid it in the bond portfolio. Adding credit exposure to an investment portfolio gives investors an…
View Article →August 2, 2018
August 2018 Market Commentary
Economic Update A positive meeting between Trump and Juncker temporarily eased trade concerns from a market perspective Q2 GDP growth breached 4% for the first time since 2014, and the…
View Commentary →July 25, 2018
Three Steps for Hedging Mortgage Pipeline Risk
Mortgage lending is a sizable part of most consumer banks’ business, providing an important revenue stream and helping them stay competitive. To reduce market risk and free up liquidity to…
View Article →July 18, 2018 | Ask ALM
What Are the Benefits of a Hedging Program?
Hedging programs come in a variety of forms and are used in many industries. Hedging is defined as procedures that adjust, reduce or mitigate negative effects of possible market movements.…
View Article →July 5, 2018
July 2018 Market Commentary
Economic Update Trade tensions led financial news wires in recent weeks, particularly related to heightened rhetoric from the White House toward China The Treasury curve flattened further in June, sparking…
View Commentary →June 13, 2018 | Ask ALM
How Can Pricing to Economic Benchmarks Improve My Bottom Line?
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 →June 5, 2018
June 2018 Market Commentary
Economic Update European political concerns in late May sparked rate volatility in the region not seen since the 2010-2012 Eurozone debt crisis The Fed is expected to move forward with…
View Commentary →May 18, 2018 | CU Times
What is the Credit Union Board’s ALCO Role?
The Federal Reserve Board issued risk management guidance in 1995, which emphasizes that all financial institutions’ boards are responsible for their organizations’ condition and performance. While board members can’t be…
View Publication →May 7, 2018 | Ask ALM
How Effective Is My ALM Process?
As we transition out of a record low rate environment, many institutions are looking for answers. Do we have an adequate funding strategy? Are we allocating that funding to the…
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