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2022 Asset/Liability Management Seminar

September 27, 2022 8:30 AM - 12:30 PM (EDT)

Description

This annual program, facilitated by Dr. Jim Clarke, will focus on the critical issues bank ALCOs are facing in the 3rd Quarter of 2022, and what we anticipate for 2023. Economic data was positive entering 2022, the economy turned positive in the 3rd quarter of 2020 after two quarters of recession tied to the Pandemic. 2022 has turned out to be a disappointment with a decline of GDP in the first quarter and an increasing rate of inflation. We will review economic forecasts for the rest of 2022 and 2023. The central issues for most ALCOs continues to be margin compression, excess liquidity and low loan to asset ratios.

Also important for bank ALCOs in 2022 is the trend in market interest rates. The yield curve collapsed in March 2020 with the Fed dropping short-term rates 150 basis points. Simultaneously the bond market rates collapsed. As bankers we had experienced a Fed Funds rate at 25 basis points from 2008 through 2015, but no one had experienced capital market interest rates at the level seen in the second half of 2020 through 2021. The result was bonds being called and mortgages being refinanced. But all that changed in the 1st quarter of 2022 as capital market rates increased driven by inflation and the Fed started to increase short-term rates. Let’s review an interest rate forecast and assess the impact on our balance sheet decisions. 

Given the interest rate and economic forecasts, we will create an ALCO committee and consider decision making on both sides of the balance sheet based on all we know entering the 4th quarter of 2022.

Pricing


CBA Member - $ 195.00

Non-Member - $ 390.00

REFUND/CANCELLATION POLICY  Please note that you will be billed and no refunds will be made for cancellations received within three business days of the program.  Registrants may send a substitute to the program without loss of program fees.  Registrants who do not attend the scheduled program will not receive a refund of program fees but may request program materials.

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Contact Information

Connecticut Bankers Association
Name: Kimberly M Tuttle
Phone: (860) 677-5060
Email: ktuttle@ctbank.com
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