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Best Practices in Asset/Liability Management

April 08, 2025


Dates

Tuesday, April 08, 2025

Time

9:00 AM - 3:30 PM EST

Early Bird Discount Deadline

Tuesday, April 08, 2025

Location

Best Practices in Asset/Liability Management Event Image

Program Overview:

Join us for the Annual Asset Liability Management (ALM) Seminar in 2025, designed for banking professionals and financial leaders seeking to enhance their risk management strategies. This annual program will focus on the critical issues bank ALCOs are facing in the 2nd Quarter of 2025, and what we anticipate for the remainder of the year. 

Key topics include: 

  •  Current Environment – Understanding market trends and economic factors 
  • Managing Assets in the Current Environment – Strategies for optimizing balance sheets 
  •  Managing Liabilities in the Current Environment – Navigating funding and liquidity challenges 

 

Don’t miss this opportunity to strengthen your institution’s financial resilience and gain actionable strategies to navigate the evolving economic landscape. This program is also beneficial to our New England School for Financial Studies students to get ready for their senior session.

 

Who should Attend?

-CEOs, CFOs, COOs 

-Treasury & Finance Professionals 

-ALCO Members 

-Risk & Compliance Officers 

-Lending & Investment Officers 

-Ideal for anyone managing interest rate risk, liquidity, and financial strategy in banking.


Registration Fees

Member Registration
Early Standard Late
$365.00
Non Member Registration
Early Standard Late
$750.00
Hotel/Meal Package

Agenda

Tuesday - April 08
8:30 am
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9:00 am
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• Regulatory Overview: Where are the examiners focused?
• Business Cycle Trends, both national and New England
• Interest Rate Forecast – Fed is less focused on inflation and more focused on a weaking economy.
• Liquidity Management – Tightening liquidity was a major focus of ALCOs in 2023 and 2024. Let’s look at liquidity in the 2nd Q of 2025.
10:45 am
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11:00 am
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Let’s hold an ALCO Meeting
• An Efficient ALCO Process

Managing Assets in the Current Environment
• Interest Rate Risk Management – Managing Duration
• Liquidity Management – Choices on both sides of Balance Sheet
12:00 pm
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12:45 pm
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• Investment Options:
-Yield versus Duration Risk
-Options the 2nd Q of 2025

• Lending
-Commercial Pipeline and Credit Risk
-Residential Mortgage Lending – outlook for 2025.
-Secular Trends in Residential Mortgage Lending in the Thrift Industry

Managing Liabilities in the Current Environment
• FHLB Advance Line, and other wholesale funding
-Options given expectation of future interest rates.

• Deposit Strategies:
-Challenges for growing checking accounts.
-Impact on deposit structure from Covid.
-Non-maturity deposits – MMDA and Hot Money.
-Certificates – Strategies given interest rate forecast.

Speakers

NameOrganizationSpeaking At
James Clarke
<p style="text-align:justify;"><span>Dr. James Clarke is the Principal of Clarke Consulting, a Villanova, Pennsylvania firm specializing in ALCO issues and strategic planning for community banks.&nbsp; Jim has lectured on asset/liability management at the Stonier National School of Banking sponsored by ABA, the Southwest Graduate School of Banking, the New England School of Financial Studies, Pennsylvania Advance School of Banking, and Connecticut School of Banking. He conducts ALM seminars for many state associations, and for Risk Management Association (RMA) and Financial Managers Society (FMS).&nbsp; Jim also conducts board education programs on ALM for state associations.&nbsp;In 2019 through 2022, Jim spoke at the Connecticut, and Pennsylvania Association of Community Bankers conventions and number of director conferences. Dr. Clarke was on the Board of five community banks and was a director of an investment company. Jim is also on the Editorial Board of the RMA.</span></p>
Clarke Consulting  -

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