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The Rate Environment and Your Bank

Overview

It’s a well-known phenomenon that the current low interest rate environment is compressing margins at banks and hurting profitability. Loan growth is a challenge, loan to deposit ratios have decreased, securities portfolios have grown and banks are flush with liquidity.

On the macro front, investors, bankers and other banking industry participants are looking for clues about the direction of the economy and monetary policy. The Federal Open Market Committee (FOMC) plans to taper their asset-purchase program, but there is debate on how quickly that tapering should take place. In addition, when the Fed will begin to raise the targeted federal funds rate is unknown.

So, what does this all mean for bank financial performance? How can banks prepare for an eventual rise in interest rates? What are current economic indicators telling us about the state of the economy and interest rates? How will Janet Yellen’s appointment to the Federal Reserve Chair affect the direction of monetary policy?

Join SNL and industry experts from PIMCO and StoneCastle Partners as we examine the current economic and rate environment and what this means for bank fundamental performance, with an emphasis on community banks.


Recorded
March 13, 2014

60 minutes



Agenda
Learning Objectives
Panelists
Pricing and Registration
CE Credits
Agenda
Who Attends?
  •  Introduction and Level-setting
    • Trends in loan growth, loan to deposit ratios, securities to assets, bond portfolio composition and NIM
  • The Macro Environment
    • A look at key economic indicators that impact the banking industry
    • The outlook for monetary and fiscal policy
    • Understanding previous cycles and their application to current conditions
  • How Key Macroeconomic Conditions Influence Bank Performance
    • What does the outlook for the macro environment and rates mean for banks
    • How banks can prepare for future rate environment
    • What can banks be doing to differentiate themselves in light of the rate forecast
  • Panel Discussion (Nathan Stovall, Moderator)
    • What should banks do with excess liquidity?
    • Should banks focus on growing volumes or maintaining margins?
    • Should banks structure their balance sheet for rising rates now?
    • For banks that are growing, are they growing just through market share gains?
    • Do banks have attractive opportunities to put excess liquidity to work that they are not utilizing?
  • Q&A
  • Directors, CEOs, CFOs, and treasury professionals at banks
  • Asset managers, investment managers and portfolio managers with exposure to the financial services industry
  • Investment bankers, research analysts
  • Regulators, accountants and consultants
  • Examine key economic indicators that influence the rate environment and community bank performance
  • Relate the current economic situation to your bank’s operating environment
  • Review options for putting excess liquidity to work

Ben Emons Senior Vice President, Portfolio Manager PIMCO
Chitrang K. Purani, CFA Senior Vice President, Portfolio Manager PIMCO
Joshua S. Siegel Managing Partner and Chief Executive Officer StoneCastle Partners LLC; Chairman and Chief Executive Officer, Stonecastle Financial Corp.
Nathan Stovall(Moderator) Senior Reporter and NY Bureau Chief SNL Financial

The Rate Environment and Your Bank

Recorded   March 13, 2014
60 minutes
Free for All View on your desktop, or stream to your mobile device. Registration grants you unlimited access to the webcast and to hard copy print outs of the associated Power Point slides.

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CFA Institute
 1 Hour of Continuing Education Credit

SNL Knowledge Center is registered with CFA Institute as an Approved Provider of professional development programs. This program is eligible for 1 CE credit hour as granted by CFA Institute If you are a CFA Institute member, CE credit for your attendance at this event will be automatically recorded in your CE Diary upon request.
 
National Association of State Boards of Accountancy
1 Hour of Continuing Education Credit

Participants who complete this program qualify for 1 hour of CPE credit (Specialized Knowledge and Applications). Program Level: Intermediate. Delivery Method: Group-based internet. SNL Knowledge Center is registered with the National Association of State Boards of Accountancy (NASBA), as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be addressed to the National Registry of CPE Sponsors, 150 4th Ave N, Ste 700, Nashville, TN, 37219-2417. Website: www.nasba.org.
 
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