During the Economic Fallout of a Pandemic
Presented by: Janet Lockwood, President, Parliment Consulting Services
• • • • • • • •
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.