Navigating Headwinds and Capturing Tailwinds: ALM Strategies for a Changing Banking Landscape

Presented by Frank Farone, Managing Director at Darling Consulting Group
Hosted by FHLBNY

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Tune in for a thought-provoking discussion with Frank Farone, Managing Director at Darling Consulting Group, on how community financial institutions can evaluate the true cost of funds, challenge common misconceptions about wholesale funding, and develop a more effective approach to liquidity, profitability, and balance sheet management.

Key topics include:

  • Evaluate Today’s Funding Environment: Assess the impact of persistent deposit competition, slowing loan growth, and margin pressure on long-term funding strategies.
  • Understand the True Cost of Funds: Compare the marginal costs of deposits versus wholesale funding and explore how deposit analytics can improve pricing and retention decisions.
  • Challenge Common Funding Misconceptions: Examine myths surrounding wholesale funding, regulatory concerns, and the strategic role of borrowings in modern balance sheet management.
  • Leverage Funding Solutions to Grow Earnings: Learn how FHLB advances can enhance profitability, support growth, and navigate changing rate cycles.
  • Strengthen Liquidity and Risk Management Practices: Review post-SVB liquidity lessons, collateral management strategies, funding diversification, and key questions that Boards and ALCOs should be considering today.
  • Stop Leaving Money on the Table: A practical guide to funding optimization. This discussion will equip you with the tools to navigate the evolving landscape of community banking.

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Disclaimer: Notwithstanding any language to the contrary, nothing contained in these disclosures is intended to constitute an offer, inducement, promise, or contract of any kind. Any product descriptions and pricing may be subject to change without notice.

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

Relationship Managers
(212) 441-6700
FHLBNY@fhlbny.com

Member Services Desk
(212) 441-6600
MSD@fhlbny.com

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