Independent Banker - August 2024 - 59
Special Spotlight
month. Getting to the numbers needs to be easier
and faster, allow for ad-hoc scenarios and analysis,
and help the bank support its business decisions and
growth strategies.
But how?
Rethink your approach
Historically, banks have often brought in a third party
to perform liquidity analysis and provide reporting
for regulators and ALCO meetings. This may seem to
cover the bases, but there are drawbacks. After all,
when you outsource the knowledge, you can't strictly
know and own your numbers in the way regulators
expect.
A go-it alone approach also fails to take advantage of
the economies of scale and continuous technological
advances and investments made by firms such as FIS.
Power up in the cloud
Cloud-based, high performance vendor systems
can be a time- and cost-optimizing answer to
the challenges of liquidity management, with the
following benefits.
* Inputs are understood by the bank.
* The heavy lifting and computations are
performed by the system. Cloud-based
computing translates to speed, with reports
available in minutes rather than hours, weeks,
next month or next quarter end.
Cloud-based, high performance
vendor systems can be a timeand
cost-optimizing answer to the
challenges of liquidity management
There can also be a tendency to use generalized
averages in assumptions rather than bank-specific
data and customer behavior. This can introduce a kind
of assumption and model basis risk, especially when
deposit behavior and prepayment rates are part of the
stress scenario.
Conversely, banks can opt to build their own liquidity
spreadsheets and stress scenarios to run in-house.
Building and maintaining such a program will be a fulltime
job of continual enhancements, development
and validation, on top of actually reporting and
examining the metrics.
* Agile reporting allows you to drill into sources
of risk with two or three clicks on an interactive
dashboard.
* Scenarios are highly bank-specific and can
and should include NIM improvement and new
business alternatives to the BAU plan.
* Increased ease of use transforms the reporting
process from a box- checking exercise into the
basis for strategic discussions.
* Fully validated models simplify audits and
regulatory filing.
* As regulations evolve, so does the system,
ensuring ongoing compliance.
There has never been a more urgent need for
community banks to provide the unique services
that drive local communities. So, it's vital these
organizations have access to tools and technology
that help them monitor, manage and maintain their
own liquidity in turbulent times.
JOE SASS, SVP, Balance Sheet Management
FIS Americas Banking Solutions
getinfo@fisglobal.com / fisglobal.com
https://www.fisglobal.com/contact-us
http://www.fisglobal.com
Independent Banker - August 2024
Table of Contents for the Digital Edition of Independent Banker - August 2024
Contents
Independent Banker - August 2024 - Cover1
Independent Banker - August 2024 - Cover2
Independent Banker - August 2024 - Contents
Independent Banker - August 2024 - 2
Independent Banker - August 2024 - 3
Independent Banker - August 2024 - 4
Independent Banker - August 2024 - 5
Independent Banker - August 2024 - 6
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Independent Banker - August 2024 - Cover3
Independent Banker - August 2024 - Cover4
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