Financial Intelligence

Managing Depositors and Deposit Flows

During the Economic Fallout of a Pandemic

Presented by: Janet Lockwood, President, Parliment Consulting Services

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Managing deposit costs is more than just pricing. In this second session of the two-part webinar series presented by Parliment Consulting Services, Janet Lockwood presents analytical tools to help you manage deposits in this low-rate environment.

It requires the retail tools of market segmentation and product differentiation techniques in order to price rate sensitive vs. non-rate sensitive customers. Starting with a decile distribution of depositors for each deposit product line will help you build a profile of high balance depositors. With a focus on non-maturity deposits, Janet uses marginal cost/savings analysis to help you fund your balance sheet at the lowest marginal cost.

Janet, along with her partner Dr. Tom Parliment, is a long-standing colleague of the FHLBNY and has helped many members reshape their deposit strategies through our annual financial planning workshops. She has a deep-rooted understanding of the membership and their needs. 

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