Deposits & Liquidity

We provide the full suite of deposit and liquidity analytical and validation services to help you keep current with industry practice and compliant with regulatory requirements.

But we believe that improving deposit and liquidity analysis and management is so important that we’ve looked beyond standard practice and compliance and made them a special focus. Why?

• Deposits are typically a Bank’s largest, most stable and cheapest source of funding
• Deposit management is fundamental to liquidity management
• Effective deposit pricing optimizes NII and overall profitability
• Deposit valuation is the principal driver of bank valuation

So here’s how we help you improve performance by managing deposits:

• We provide all the “traditional” deposit studies and analysis required by ALCOs and regulators. That includes industry practice attrition studies and deposit product modeling & pricing based on bank data and accepted by all stakeholders.
• We offer emerging ‘best practice’ analytics – a deep dive into near-real-time depositor-level data, account holder stratification and behavior modeling.
  We believe this is the best route to really understanding and managing funding and liquidity. See our White Papers.
• We make deposit risk simple by un-cluttering it and offering simple tools through DDA Analytics to help you manage and monitor it on demand and on any browser device – in as “real time” as your uploaded data.

Taking deposits seriously pays off. Let’s talk about how easy it is, how little work it takes, how little it costs to get there.