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Strategic Funding Optimization: A More Proactive Balance Sheet Management Tool for ALCO

For too long, funding has been a neglected cousin in the strategic planning process. But there are storm clouds gathering — driven by rising rates, competition and increased regulatory focus on liquidity. Going forward, banks need an enterprise-wide strategic funding optimization approach.

Banks often short-change the liability side of their balance sheets when building out their strategic plans. In the current environment, why not? Most US banks have more cheap deposits than they can deploy. This situation is rapidly waning. Wholesale market rates are on the rise and banks are likely to face more funding challenges than ever before. Competitively, the largest US national banks are capturing most organic deposit growth (in all lines of business), while direct banks are pressuring traditional pricing levers for convenient access to rate sensitive savings and CDs. Meanwhile, regulation is requiring banks to balance a wide ...

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