Fundamentals of Banking: How Higher Rates Impact Depositories
Despite the current conversations regarding rising interest rates and depositories? bond portfolios, now is the time to look at long-term, sound asset liability management. Comments and questions such as ?Rates went up and I should have locked in those gains? or ?With the ten-year rising am I going to lose money on my investments?? should be the jumping off point to a deeper conversation about the fundamentals of banking and the overall impact of higher rates on financial institutions.
Focus on Your Core Functions
After all, if you had a crystal ball and knew the direction of interest rates BEFORE they moved, you would be the richest person on earth. The reality is that banks and credit unions run ?funded? portfolios and should be less concerned with the direction of intere...
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