Asset Liability Management


January 31, 2020 - Airport Embassy Suites, Orlando, Florida

This group live event awards up to 6 CPE credits in business management and organization.

This Asset Liability Management seminar will explore the unique challenges of managing interest rate risk and investments in the current banking environment. Particular focus will be placed on bank interest margins in these challenging economic times along with balance sheet management strategies, funding options, liquidity risk management, and more.

Who Should Attend
CEOs, Presidents, CFOs, Directors, CROs, Treasurers, risk managers, auditors, senior management and analysts will benefit from this conference.

If you have any concerns or complaints about this event please contact Pete Brokaw at pbrokaw@floridabankers.com or (850) 701-3515.

Registration Prior to 12/31/19
FBA Member: $355.00/person
Non-Member: $710.00/person

Registration After 12/31/19
FBA Member: $405.00/per person
Non-Member: $810.00/per person

Register for the Event Below

 

  Click here to download a brochure

Attending in person?

Be sure to download the FBA mobile app which allows users to connect with attendees using in-app messaging, know what to wear/pack as well, as view presentation materials or agendas when attending (depending on event).

Program Schedule

8:30 – 9:00 a.m. - Registration

9:00 – 9:55 a.m. - The ALCO Process - Driving Bank Performance
There is no doubt that our lending program provides the fuel for our banking engine, but it is also true that our ALCO process drives our bank performance. The decisions we make in the ALCO drive our mix of assets, the margins we achieve in those assets, and the capital we need to make this all happen. This session will focus on the various indicators that drive how we perform in terms of ROA and ROE metrics.

9:55 – 10:50 a.m. - Strategies for Driving Overall Bank Performance through the Investment Portfolio 
Bankers are faced with rising short-term interest rates, a flattening yield curve and tighter liquidity conditions. This session will focus on optimal balance sheet management with a focus on liquidity risk, interest rate risk, and investment strategies that make sense in the current environment.

10:50 – 11:05 a.m. - Networking Break

11:05 – 12:00 p.m. - The How and Why of Valuing Non-Maturity Deposits
Given how the last decade’s interest rate environment has disguised potential rate exposure, it is critical that banks maintain a strong and effective ALM framework and IRR management program. Robust analysis and measurement of IRR underscore these programs and require accurate data, reliable assumptions, and a dynamic process that involves constant testing and model enhancement. Accurately estimating non-maturity deposit price elasticities will enable institutions to manage interest rate risk more effectively and ultimately enhance risk-adjusted earnings.  This session will help you recognize current non-maturity deposit trends and understand critical non-maturity deposit variables and how they impact the valuation.

12:00 – 1:00 p.m. - Lunch 

1:00 – 1:55 p.m. - Funding for the Times: All Options on the Table
In today’s environment, deposits matter more than ever. The yield curve is flat. Rates are on the rise. Customers want higher returns, and competitors are yielding to the pressure. Examiners strongly emphasize core deposits, which can sometimes be tough to come by, and funding short is expensive. Amid all these perplexities, diversified funding options are imperative, and in this session we will discuss how your institution can make a variety of liquidity sources work within your funding strategy and contingency funding plan. We will focus on the considerations to employ in re-evaluating all available liquidity options, including local priorities, competitive forces, examiner expectations and the advantages of expanding the institution’s deposit-generating capabilities to include a nationwide market.

1:55 – 2:05 p.m. - Networking Break

2:05 – 3:00 p.m. - Capital Planning in 2020 – Key Considerations for Bank Executives 
In this evolving economic and regulatory environment, capital remains an important element for banks, whether the bank intends to grow organically or acquire other institutions. Many banks are seeking alternative forms of capital to fund growth opportunities and enhance enterprise value in light of recent legislation and the current economic environment. This presentation will discuss keys to capital plans and planning, as well as describe a number of creative ways community banks can raise both offensive and defensive capital in the current market.

3:00 – 3:55 p.m. - The Changing Landscape of Liquidity
Liquidity is under pressure. Loan growth is outpacing deposit growth. Loans are becoming a higher percentage of total assets, while wholesale funding levels are increasing. Learn what every bank should do to develop a “best practice” approach to liquidity management.

4:00 p.m. - Adjourn 

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