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Financial Intelligence

Managing Depositors and Deposit Flows

During the Economic Fallout of a Pandemic

Presented by: Janet Lockwood, President, Parliment Consulting Services

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Managing deposit costs is more than just pricing. In this second session of the two-part webinar series presented by Parliment Consulting Services, Janet Lockwood presents analytical tools to help you manage deposits in this low-rate environment.

It requires the retail tools of market segmentation and product differentiation techniques in order to price rate sensitive vs. non-rate sensitive customers. Starting with a decile distribution of depositors for each deposit product line will help you build a profile of high balance depositors. With a focus on non-maturity deposits, Janet uses marginal cost/savings analysis to help you fund your balance sheet at the lowest marginal cost.

Janet, along with her partner Dr. Tom Parliment, is a long-standing colleague of the FHLBNY and has helped many members reshape their deposit strategies through our annual financial planning workshops. She has a deep-rooted understanding of the membership and their needs. 

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The content provided in these disclosures is presented as a courtesy to be used only for informational purposes and is not represented to be error free. The FHLBNY makes no representations or warranties of any kind with respect to the content contained herein, such representations and warranties being expressly disclaimed. The FHLBNY is not a financial or investment advisor.

Moreover, the FHLBNY does not represent or warrant that the content of these disclosures is accurate, complete or current for any specific or particular purpose or application. It is not intended to provide nor should anyone consider that it provides legal, accounting, tax or other advice. Such advice should only be rendered in reference to the particular facts and circumstances appropriate to each situation. The FHLBNY encourages you to contact appropriate professional(s) and consultant(s) to assess your specific needs and circumstances and to render such advice accordingly. In addition, the FHLBNY is not endorsing or recommending the use of the means or methods contained in or through these disclosures for any special or particular purpose.

It is solely your responsibility to evaluate the risks or merits of any funding or investment strategy. In no event will FHLBNY or any of its officers, directors or employees be liable for any damages — whether direct, indirect, special, general, consequential, for alleged lost profits, or otherwise – that might result from any use of or reliance on these materials.

Key Contacts

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(212) 441-6700
Member Services Desk:
(212) 441-6600 or
(800) 546-5101, option 1

[email protected]

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