Independent Banker - November 2024 - 64

Digital
Banking
Doing more for your money
Advanced new tools for liquidity management
Joe Sass, SVP, Balance
Sheet Management, FIS
Community banks are
the lifeblood across the U.S.,
with highly personalized
services and deep knowledge
of local businesses and
economic environments. But as
these keystone organizations
face significant headwinds,
their CFOs and treasurers
need to re-examine how they
manage liquidity.
For a decade, balance sheets have been positioned for
falling or extremely low interest rates. Today, volatility,
inflation, viral social media and economic conditions
are putting heavy pressure on liquidity and net interest
margins.
As a result, regulators are now taking a highly proactive
approach to liquidity - and making sure banks do all
they can to avoid a replay of last year's market shocks.
Understand your liquidity
Regulators are very keen for banks to both " know and
own " their numbers, and develop a deep and dynamic
understanding of current and potential liquidity
situations.
Every treasurer, CFO and CEO must therefore have
answers to the following questions.
* What is the current liquidity profile, in detail, and is
it in line with the bank's risk appetite?
* How does that liquidity profile change under
stress?
* What is the contingent liquidity plan to deal with
stress situations?
It's no longer sufficient to fire up the usual ALCO or
regulatory reporting package, check the " are we in
policy? " box, file away the report and circle back in a
Regulators
are very keen
for banks to
both " know
and own " their
numbers, and
develop a deep
and dynamic
understanding
of current and
potential liquidity
situations.

Independent Banker - November 2024

Table of Contents for the Digital Edition of Independent Banker - November 2024

Contents
Independent Banker - November 2024 - Cover1
Independent Banker - November 2024 - Cover2
Independent Banker - November 2024 - Contents
Independent Banker - November 2024 - 2
Independent Banker - November 2024 - 3
Independent Banker - November 2024 - 4
Independent Banker - November 2024 - 5
Independent Banker - November 2024 - 6
Independent Banker - November 2024 - 7
Independent Banker - November 2024 - 8
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Independent Banker - November 2024 - Cover3
Independent Banker - November 2024 - Cover4
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