ALM, Interest Rate Risk Management, EVE/NEV
Future-Focused ALM, Tailored to You
Forward-looking ALM that provides actionable, real-time insights with service that is customized to your needs.
Business Challenges Solved
Turning ALM Into a Strategic Advantage, Not Just a Regulatory Requirement
From day one, we’ve helped our clients go beyond checking regulatory boxes by using ALM strategically to tackle real business challenges. Balancing regulatory simplicity with deeper insights, our consultants use an Interactive Dashboard to explore what-if scenarios live, tailored to your needs. Paired with a clear Results Summary, each simulation helps answer critical risk/return questions that drive better decisions.
Our Approach
A Seamless Transition
Simplified Processes
Whether you process Quarterly or Monthly, data is simple to send, communication is clear, and simulations are often returned in as little as 5 days.
Flexibility
We work with you the way you work best – we can work through email or scheduled calls or a combination. It’s your choice.
Documentation
We document key assumptions and agreements with each simulation, making it easy for you to stay informed, work with examiners, and validate model setup.
Results Presentations
Our customized presentations are designed to be an engaging review and discussion of results, including any decision-making what-ifs you request with every simulation.
Additional Services
Customized to Meet Your Objectives
Future ALM Results
Think of the Future ALM Results as a fast-forward button for your balance sheet. It helps you understand, in advance, whether the long-term risks embedded in your budgets and business plans align with your appetite for risk.
Non-Maturity Deposit Behavior and Pricing Analysis
An important aspect of understanding the long-term profitability and interest rate risk position of your institution is to understand the behavior of your unique non-maturity deposit structure, and how that structure changes as rates change.
Our Non-Maturity Deposit Behavior and Pricing Analysis goes beyond simplistic linear “betas” and standard “decay rates”, incorporating the dynamic relationship between your institution’s pricing, market interest rates, and customers’ behavior, providing:
- Enhanced modeling – understand your deposit balance trends & pricing strategies since 2003 – uniquely capturing distribution changes in both rising & declining rate cycles
- Documentation of your current pricing and behavior assumptions versus historical pricing and behavior experienced during past rate cycles
Loan Prepayment Speed Analysis
Capture your customers’ unique prepayment behaviors with this loan-by-loan prepayment speed analysis. Use it to fine-tune loan category prepayment assumptions and model more accurate cash flows for ALM and budgeting, as well as to provide observable assumptions rationale.
Assumptions Review & Documentation of Rationale
A key question to be addressed in simulating potentials for the future is: What is our solid rationale for making these assumptions? Imagine having the answer to this question in a user-friendly document. This includes historically based data to support your institution’s position on assumptions, including deposit pricing and withdrawals, cash flows, and prepayments. Stress testing of key assumptions is also included.
Backtesting
An easy-to-navigate document that provides backtesting of model starting points and forecasts for a variety of model assumptions.
Concentration Risk Policy Review & Development
Develop a clear and meaningful concentration risk policy. We’ll guide you through the thinking behind different types of concentration limits and the pitfalls that can lead to unintended consequences. This can be a key component of quantifying aggregate risks to capital.
7 Mins
To Read Results Summaries
1 Min
To Run a What-if
5 Days
To Turnaround Your Simulation
What sets c. myers apart is the strategic dialogue. Every ALM simulation turns into a meaningful conversation about our business, not just our numbers. Their team helps us think through what-if scenarios and long-term impacts, which has been invaluable for our planning and decision-making. – CFO
Related Solutions
Solutions That Strengthen Your ALM Strategy
Featured Event
ALM Education: For Those Who Need to Sweat The Details
Finance teams have a unique challenge in that their institutions rely on them to deeply understand the ins and outs of ALM and effectively communicate the short- and longer-term financial impacts of various decisions.
Featured Insight
Avoid These Common Financial Misunderstandings With Your Board
Most Boards look for financial ratios and other measures of success to gauge their institution’s financial health and strategic progress, but many Board members don’t understand some of the nuances of the measures, especially when the dollars and the ratios appear to be telling different stories.