Austin Associates' Webinar to Discuss Balancing Profitability, Growth and Risk in a Rising(?) Rate Environment

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Webinar for Community Bankers on September 16 to focus on interest rate trends, planning considerations for 2016, and recommendations for enhancing bank profitability.

Bankers have been waiting years now for a more robust economic recovery to spur growth and for rising interest rates to drive healthier margins. Will the much anticipated move by the Fed bring the kind of margin relief that most banks sorely need? How will the Fed react to the market correction triggered by events in China and the global marketplace?

Austin Associates' complimentary webinar, Balancing Profitability, Growth and Risk in a Rising (?) Rate Environment, on Wednesday, September 16 at 11 a.m. will be led by Jeff Morris and Andy Morgan, co-managers of Austin's Financial Management practice area. This timely discussion will include:

    Austin Associates' view on future interest rate trends
    Planning considerations for 2016, including budget assumptions
    Assessing your institution's risk of deposit disintermediation and surge deposit runoff
    Validating interest rate risk assumptions in a rising rate environment
    Implications of relationship pricing as rates rise
    Recommendations for enhancing bank profitability

Recently released economic data supports the theory that the Fed may soon begin moving interest rates away from the near zero level that they've been at since December 2008. While the strength of the ongoing U.S. recovery is still somewhat in question, signs of growth and increasing demand are being seen in many areas. Rising rates may either accelerate these growth patterns or squelch them. If rates do rise, deposit costs may rise before competitive pressures on the lending side allow for much improvement in loan rates. Disciplined loan pricing decisions will be necessary to stay ahead of rising costs, benefit from rising rates, achieve growth objectives and manage risk. This webinar will provide guidance and advice to prepare for these and other market conditions.

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Paul Simoff

Kathy Rotte
Austin Associates, LLC
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