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ALCO Beat

ALCO Beat

ALCO Beat articles featured exclusively on bankingexchange.com are written by the asset-liability management experts at Darling Consulting Group. Individual authors' credentials appear with their articles. DCG's consultants have served the banking industry for more than 30 years. You can read more about the firm's history here.

Often used as an executive toy, this device, known as "Newton's Cradle," illustrates the British thinker's third law of motion. Author Patrick Ward sees a connection for ALCO managers too.

Sir Isaac Newton, laws of motion, and bank capital

ALCO Beat: Key law of physics applies to bank asset-liability management
One of my favorite childhood memories is the annual family summer vacation at the lake. Barbeques, swimming, fishing, family, and friends, what's not to love?

Rising rates—Are we there yet?

From back seat or driver's seat, everyone wonders

Wholesale funding isn't toxic!

Why is this basic of modern banking confined to the doghouse? An ALM veteran makes the case for letting it out

Don't trash a trusty hammer!

Wholesale funding remains a critical tool regulators shouldn’t remove

New policy statement leaves key gaps—including in bottom line

Regulators seem to miss key issue

Fair-value accounting as new GAAP? That's unacceptable!

Off the bat, say goodbye to fixed-rate loans
Immediately after the elections, the Federal Reserve, as expected, announced that it would begin purchasing $600 billion of securities in an effort to keep interest rates low to stimulate the economy. This recently announced “QE2” has received mixed reviews.

Unintended consequences of "QE2"

Will Fed’s latest effort squash community banks?
It’s hard to believe that approximately one year has passed since the bank regulators issued their Joint Agency Advisory On Interest Rate Risk Management (January 2010) and Interagency Policy Statement on Funding and Liquidity Risk Management (March 2010).

Understanding "new norm" in balance sheet risk management

Rules have changed and those who ignore that run multiple risks  
A liquidity stress scenario you may not have considered

A liquidity stress scenario you may not have considered

Is your bank prepared for economic recovery?

A gloomy forecast with few bright spots

Many smaller banks face a rough 2012, with only a few alternatives
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