Balance Sheet Management Strategies for a Challenging 2022

2021 surprisingly turned out record profits for the banking industry. 2022 brings a whole new set of challenges as many one-time events such as PPP fees, cost of funds relief, and gain on sales are history. Margin and earnings pressure will continue as far as the eye can see, and hoping for better times is not the most prudent strategy. Time is not your friend. Now is the time to act.

What is your outlook for rates? Are you worried about inflation or a protracted low rate environment? This session will offer strategies to consider now – and avoid – as the cycle turns. Creating the right perspective and enabling the right conversation has never been more critical for ALCOs. Forewarned is forearmed.

ALCO conversations should be changing even faster. In this session, DCG’s Frank Farone and Eric Poulin will discuss strategies for staying ahead of the curve, including:

Enhance earnings as one-time income events fade
Address future margin pressure
Manage current and prospective interest rate risk
Prudently enhance return on current excess liquidity
Productively manage capital

Frank Farone

Managing Director

Darling Consulting Group

Frank consults nationwide with CEOs and CFOs of financial institutions to increase earnings through the proactive management of capital, liquidity/funding risk, and interest rate risk. He is a frequent speaker and author on topics such as industry issues and trends, funding solutions, regulatory issues, interest rate risk management, capital management, and derivatives hedging techniques.Frank was designated a “top-rated” speaker by FMS and is well known for his popular seminar “Turbo Charging Your ALCO Process” having helped thousands of bankers across the country.Frank is a graduate of Siena College. He lives in Winchester, Massachusetts and is an avid golfer and runner, having completed numerous marathons including several Boston Marathons over the past 25 years.

Eric Poulin

Account Manager

Darling Consulting Group

Eric is an Account Manager at Darling Consulting Group where he assists financial institution executive teams to bolster their asset liability management (ALM) process. In this role, he provides comprehensive solutions in various areas such as interest rate risk, liquidity risk management, and capital. Additionally, Eric is well-versed in the areas of deposit strategies, regulatory support, and executive-level education.

Eric began his career at DCG in 2014 as a financial analyst and has also worked closely with the implementation, development, and education of DCG’s decision-support tools (Deposits360°^® and Prepayments360°™). He currently lives in the Seacoast area of NH with his wife and is a graduate of the University of New Hampshire with a degree in economics.

Participants will earn 1.0 CPE credit
Field of Study: Management Services

Additional Information
Prerequisites: No prerequisite and/or advance preparation is required
Who Should Attend: This session is designed for all levels, including CEOs, Presidents, CFOs, Directors, CROs, treasurers, risk managers, model development and model risk practitioners, auditors, senior management, and analysts
Advanced Preparation: None
Program Level: Basic
Delivery Method: Group Internet Based

Cancellations and Complaints
For more information regarding complaints and/or program cancellation policies, please contact Stephanie Pitman at (978) 463-0400 ext. 174.

Darling Consulting Group, Inc. is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: www.nasbaregistry.org.