services


Our focus on net income and retail strategies are important distinctions between Parliment Consulting and any other ALM vendor. Our approach to strategic financial planning:
	.....................................................
	• Starts with an income target;
	• Determines which areas of the institution will be under the most pressure to deliver a sustainable annualized growth in net income of at least 10 to 15 percent.
	• Evaluates retail loan and deposit pricing, product differentiation and market segmentation;
	• Performs SWOT analysis at the retail customer and product category level.

Create actionable
plans that drive
income growth.


		In addition to regulatory f fpeer groups, we identify:

	• Strategic peers having similar business plans, markets and competititon;

	• High-performing peer groups


We work with management to provide a framework for decision-making through planning, analysis, and regulatory compliance:
	.....................................................
	• Develop retail loan and deposit strategies and pricing appropriate with ALM challenges;
	• Measure and monitor risks to Captial, Asset quality, Management performance ratios, Earnings, Liquidity and Sensitivity to interest-rate movements;
	• Evaluate risk/reward trade-offs for various business strategies.
	• Support regulatory compliance.
	• Discussion and analysis regarding competitive marketplace.

Combine technology and knowledge to actively manage your institution’s balance sheet.


		An empirical analytical tool that takes the emotion out of accounting for branch performance which provides:
	• A simplified measurement gauge to project deposit growth;
	• Measure performance with respect to your direct competitors.