Asset Liability Management
What's it all about?
Proactively Managing Your Risk
Managing risk is part of everyday life for each one of us, particularly those of us managing financial institutions. Our goal is not to avoid risk, but to manage it such that it becomes second nature to us, and is something we think about as we make other management decisions regarding product structure and pricing.
This is the goal of our Asset Liability Management consulting services…to help our clients manage their unique set of risks to the best of their abilities. To this end, we strive to bring them information about both their current and future balance sheets in a way that enables them to make better decisions.
Forecasting for the Future
ALM is one of the most advanced analytical tools a financial institution can use to accurately forecast its growth, earnings, liquidity, capital, and interest rate sensitivity…all of which are key factors in achieving its long-term strategic goals.
In addition, most all financial institutions are now required by their regulators to measure and manage their interest rate risk on a regular basis in a way that is commensurate with the size and complexity of the organization as a whole.
For these reasons, ALM has become a vital part of pro-actively managing a financial institution in the 21st century. Are you using ALM to its fullest potential?
Objective Advisors, Inc. is a Registered Investment Advisory firm that is regulated by the Securities & Exchange Commission.