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ALCO Beat - Banking Exchange
Dodd-Frank's Section 939A and associated rules force community banks to shift justifications for municipal bond choices in portfolio, as well as other investments.

Dodd-Frank impacts 2013 investing

Rule on ratings usage breaks traditional approach to munis
High deposit levels now are no guarantee of future depositor performance, especially at today's extremely low rates, says ALCO consultant.

How real is your deposit growth?

All that glitters is not core

What going over Fiscal Cliff means for banks

Special ALCO Beat: How to prepare your bank
As the yearend approaches and the New Year looms, what ALCO strategies should banks be considering?

As year ends, what should small banks do?

With Basel III lurking, time to review strategy
Learning how to handle a road hazard is best done in advance of having to face it. So too should banks' boards and asset-liability management committees be reviewing rate-risk strategies.

Preparing for inevitable rate rise

Now's time to consider tomorrow's tools
Regulators may ask banks to "shock" their portfolios for rising rates, but today the worry concerns rates that won't move.

Handling a 'sideways' rate environment

The unique challenge today's bankers face
The current economy, married to low-interest-rate strategies from the Federal Reserve, continues to put the squeeze on many smaller banks. And consultant George Darling expects conditions to grow worse for them yet. But he has a suggestion or two for the near-term--and some harder advice for the longer term.

Looking beneath FDIC's latest numbers

Strip away big bank results, and see community bank urgency
Increasingly, using yesterday’s approaches to asset-liability management and ERM--enterprise risk management--will serve you about as well as the rusted clunkers above.

Time to scrap yesterday's ERM plan

ALCO meets evolution of integrated Enterprise Risk Management
The tide comes in and out for all boats, large and small, and so too when the surge of deposits received in the last few years recedes, banks large and small will face challenges they haven’t had for some time. Consultant Bob Lallo suggests steps to take to get ready for this inevitable event.

What happens when the tide goes out?

Awash in deposits? Will you be when rates rise again?
Today’s challenging environment confronts bankers with generally slow growth with historically low interest rates along all points of the yield curve. This, coupled with ongoing uncertainties for consumers and businesses, has bankers very concerned with earnings performance and sufficiency of capital going forward.

Rate risk comes in both new and usual colors

Two potential scenarios you may not be simulating for
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Banking Exchange

BANKING EXCHANGE FLY IN CONFERENCE

CHICAGO, Illinois — NOVEMBER 7, 2024

Conference to be held at the University of Chicago, Booth Business School Downtown

This one-day event is open to all executives at U.S. financial institutions. On the agenda, will be:

  • How fintech and data will speed up change
  • Winning strategies for managing fraud and risk
  • The impact of AI on banking: opportunity and risk
  • Ethics, data and strategy in a digital banking world
  • Enhancing security in an open world

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