The Non-Maturity Deposit Risk Model is designed to assist banks in determining how the bank’s interest expense and earnings would change if deposit balances shift toward higher-rate products, or deposit balances leave the bank altogether and need to be replaced by alternative funding sources.
- Analyzes the increase in non-maturity deposits at your bank
- Estimates the impact on net profit of a shift back into certificates
Easy to use and understand, this insightful tool is used by our consultants in the field and addresses the current regulator concern regarding interest rate risk.
System Requirements: Microsoft® Excel