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Asset/Liability Asset Liability Modeling Deposit Modeling Deposit Pricing Strategy

ALCO playbook: Managing liquidity and performance amid rate cuts

Thursday, December 5, 2024
2:00 PM ET / 1:00 PM CT

Community financial institutions have seen net interest margins compress as the Federal Reserve raised interest rates to help curb inflation. These rate increases have driven up funding costs to levels not seen in decades, while many assets were booked at historically low yields, intensifying margin pressure. 

However, with the Federal Reserve now signaling a shift toward looser monetary policy, it’s critical that Asset/Liability Committees (ALCOs) are prepared to take swift action. ALCOs must focus on protecting depositors while stabilizing net interest income in this evolving environment. 

In this webinar, discover best practices for decision-making, interest-rate forecasting, and aligning strategic objectives to ensure your institution remains financially sound.

You will learn:

  • How to interpret your ALM model and make the best decisions for your FI 
  • The impact of recent rate changes on liquidity and interest rate risk 
  • Balance sheet strategies for loans and deposits 
  • Tips on how to ensure your next exam/audit goes smoothly 

Meet Your Presenters

Dave Koch

Director, Advisory Services
Since 1989, Dave has delivered educational programs on Asset/Liability Management and pricing topics to Federal Regulatory Agencies, national and state industry trade groups, Federal Home Loan Banks, and Corporate Credit Unions nationwide.

Full Bio

Kurt Alfred

Executive Vice President and CFO
Kurt Alfred is the Executive Vice President and CFO of Brenham National Bank in Brenham, Texas. With a strong background in banking and financial management, Kurt is responsible for overseeing the bank’s budgeting, financial reporting, asset-liability management, bond portfolio management, physical security, and facility operations.

Full Bio