(ON DEMAND) Liquidity Funding Concerns in a Rising Interest Rate Market

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Regulators continue to warn financial institutions of the impending interest rate risk as rates rise. This is a result of the lengthening of assets to generate yield, and the increase in non-maturity accounts due to the small spread between these accounts and certificates. The concern is that non-maturity accounts will shift back to certificates when rates rise and the spread lengthens. This is an interest rate risk that few institutions measure or monitor. You do not want to be caught after continuous regulator warnings.

This webinar will provide the tools necessary to meet fully the requirements of FIL-84-2008 Liquidity Risk Management. This webinar will also establish the methodology for you to be proactive in understanding your specific liquidity risk and to make decisions that will avert a significant liquidity event. Join us to learn techniques for addressing the new and growing liquidity parameters that are being monitored by regulators.

HIGHLIGHTS
Determining the potential negative impact of a shift from non-maturity deposits to certificates
How to examine the amount of asset lengthening at your financial institution
Establishing a pro forma cash flow projecting future sources and uses of funds
How to stress liquidity and the impact of that stress
Key components of an effective Contingency Funding Plan (CFP)
Impact of other significant liquidity changes if your institution becomes stressed:
Borrowed funds – additional hair cut
Loss of federal funds lines
Deposit withdrawals

TAKE-AWAY TOOLKIT
Example of methodologies to:
Determine the impact of a shift in non-maturity deposits
Compare to peers in the lengthening of assets
Develop a liquidity plan
Stress liquidity
Develop a liquidity contingency plan
Employee training log
Quiz you can administer to measure staff learning and a separate answer key

Attendance verification for CE credits provided upon request.

WHO SHOULD ATTEND? Presidents, CEOs, COOs, CFOs, and board members who want to be proactive in dealing with liquidity issues.

ABOUT THE PRESENTER – Gary J. Young, Young & Associates, Inc., Chief Executive. During 37 years in consulting and 48 years in the industry, he has assisted hundreds of financial institutions from coast-to-coast with improving shareholder value and profit, establishing effective strategic plans, management assessments, regulatory concerns, budgeting, asset/liability management, expansion planning, and mergers and acquisitions. Gary is a popular speaker due to his practical and valuable insight and has conducted seminars throughout the United States and in Europe. Gary is on the board of a community bank, manages a bank investment fund, and is a co-founder of Capital Market Securities, Inc., which assists with mergers and acquisitions.