Supervisors Symposium - December 2023

Internal Use Only

A new and deeper liquidity analysis is necessary in light of the bank failures this spring . . .

• Add time sequenced liquidity • Shift from cash to fed master account availability • Shift borrowing capacity in front of on ‐ balance sheet liquidity • Brokered and listing are acceptable funding sources for IRR and Liquidity • Large deposits ($250k and up, large deposits, uninsured deposits) must be analyzed • Banks must rethink and redo their contingency funding plans

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© 2023 –FinPro, Inc.

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Internal Use Only We need to replace the antiquated liquidity measurement with new time sequenced measures . . .

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© 2023 –FinPro, Inc.

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