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. Paired with a clear Results Summary, each simulation helps answer critical risk/return questions that drive better decisions. Balancing regulatory simplicity with deeper insights, our consultants use an Interactive Dashboard to explore what-if scenarios live, tailored to your needs.
Our Approach
Supporting your Team with the Tools and Partnership to Navigate Complexity and Drive Strategic Value
Decision-Ready Insights
Give your Board and C-Suite clear, actionable visuals, while equipping yourself with detailed insights and one-click views that show how today’s decisions impact future earnings, capital, and balance sheet structure.
Agility and Long-Term Clarity
Stay aligned with long-term strategy by understanding the impact to ROA and capital in different rate environments while also seeing the potential changes in regulatory ALM results (EVE/NEV and NII volatility.
Regulatory Confidence
Meet examiner expectations with clear regulatory simulations while modeling income volatility and stress testing risks to earnings and capital, giving you confidence in both compliance and internal risk standards.
Profitability Insights
See which asset categories drive or drag performance as rates shift, and model your cost of funds to identify breakeven points and guide funding decisions.
7 Mins
To Read Results Summaries
1 Min
To Run a What-if
5 Days
To Turnaround Your 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.
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
This course is designed to break down and simplify the complex web of methodologies and assumptions using real-world scenarios and modeling what-ifs.
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.
