An adequate level of liquidity depends on a credit union’s ability to efficiently meet both expected and unexpected cash flows and collateral needs without adversely affecting the credit union’s daily operations or financial condition. Visit the NCUA's Liquidity Risk Resources at https://lnkd.in/gTF2F9Km to learn more. #liquidity #creditunions #finance #money
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An adequate level of liquidity depends on a credit union’s ability to efficiently meet both expected and unexpected cash flows and collateral needs without adversely affecting the credit union’s daily operations or financial condition. Visit the NCUA's Liquidity Risk Resources at https://lnkd.in/gTF2F9Km to learn more. #liquidity #creditunions #finance
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An adequate level of liquidity depends on a credit union’s ability to efficiently meet both expected and unexpected cash flows and collateral needs without adversely affecting the credit union’s daily operations or financial condition. Visit the NCUA's Liquidity Risk Resources at https://lnkd.in/gTF2F9Km to learn more. #liquidity #creditunions #finance
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💡 One way credit unions can better manage their cash is to look at a cash forecasting system. These systems work directly with your cash handler to facilitate efficient orders for your branches and ATMs. If you think forecasting could benefit you, ask me about our Logicash program!
Sensitivity analyses of cash flow and deposit assumptions are of heightened importance given recent trends in deposit movement, which underscores the importance of having a strong liquidity policy and viable contingency funding plan. During periods of uncertainty, it is imperative credit union management identify and measure its sources and uses of funds, reevaluate assumptions and risk relationships, and modify the frequency that it projects cash flows. It is also prudent to ensure staff have relevant experience and training in managing liquidity in various market conditions. The NCUA Examiner's Guide includes valuable information to support credit unions’ efforts to strengthen liquidity positions and risk management. Visit https://lnkd.in/eE6e8ntb to learn more about managing and forecasting cash flows. #liquidity #creditunion #creditunions
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Funding diversity includes having access to at least one contingent federal liquidity source during times of financial emergency and distressed economic circumstances. Section 741.12 of NCUA regulations requires access to either the Central Liquidity Facility or the Federal Reserve’s Discount Window for all credit unions with $250 million or more in total assets; however, all credit unions should consider having a federally sourced liquidity backup when other market funding sources prove inadequate. The ability to access funding at a predictable rate through the CLF or Discount Window should be part of credit unions’ contingency liquidity risk management plan under a range of scenarios, not just in times of crisis. Visit https://lnkd.in/e3RKMa96 to learn more about maintaining diversified liquidity sources. #creditunions #liquidity #diversification #investment #money
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It is not new news given that investors have implicitly marked bank balance sheets as rates rose during the third quarter. Nonetheless, it will be interesting to see the reaction to the impact of unrealized losses on TBVS and TCE ratios though TCE is not regulatory capital and marking bond portfolios is an incomplete mark-to-market of the balance sheet since loans and core deposits are excluded. #banks #unrealizedlosses #bonds #schwab #bankofamerica #wellsfargo #federalreserve
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Director of Enterprise Regulatory and Compliance Solutions @ S&P Global | Franchise Owner @ STRIDE Fitness
The private credit industry has experienced significant growth and transformation, with its size tripling since 2015. The banking crisis in March, coupled with impending regulatory changes to bank capital requirements, has further accelerated this growth. This development is reshaping the lending landscape in the U.S., bypassing traditional banks and influencing the Federal Reserve's monetary tightening efforts. 📈
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Private Wealth Advisor - Managing Director, Sports & Entertainment Director at Rockefeller Capital Management
Private credit was unequivocally among the most notable beneficiaries during what we refer to as “The Great Rate Reset” over the past two years: the retreat of traditional lenders resulted in a material leakage of lending activities from the banking system to direct lenders. As the Fed gradually moves towards more accommodative monetary policies, we see opportunity sets narrowing for private credit.
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Our deep dive into recent #Fed and #ECB moves and our view on credit opportunities in banks and real estate. Check it out! 👇
🌟 Francesco Castelli, Head of Credit Strategy at #Banor comments on: ➡️ recent monetary policy decisions of #Fed and #ECB ➡️ our view on credit opportunities in banks and real estate issuers 👇 Watch the new video of “Bonds in a blink” #BondsInABlink #CorporateBonds #CreditMarket
28/07/2023 - Bonds in a blink with Francesco Castelli
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Private credit was unequivocally among the most notable beneficiaries during what we refer to as “The Great Rate Reset” over the past two years: the retreat of traditional lenders resulted in a material leakage of lending activities from the banking system to direct lenders. As the Fed gradually moves towards more accommodative monetary policies, we see opportunity sets narrowing for private credit.
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The #heldtomaturity unrealised losses are significant for the sector as a destabilizing force regardless if accounting rules don’t reflect the impact in #capital. A #liquidity event , the main fear of today’s refulators , would force the loss to become very very real . Some banking models are clearly too exposed due to lack of diversification in the #balancesheet . The role of the bank is not to finance the sovereign debt .
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