KINECTIVE ALM™
Mitigate risk with advanced asset and liability management.
Data doesn’t have to be complicated or overwhelming. Measure and manage risk while maximizing profit with Kinective’s enterprise-level data optimization platform, Kinective ALM™ (formerly OmniLytics).
Asset Liability Management, Done for You
Today’s branches are all about engaging with clients and creating a better experience. Named Fintech Product of the Year, Kinective Access™ (formerly RTA) lets you break the chains of your hardware so associates can focus on serving clients and fulfilling every transaction and service need from any device, anywhere in the branch.
Now, whether staff are standing next to a cash machine, working in an office, or greeting from the lobby, clients can be served from start to finish.
Even better? Your cash recyclers don’t have to be limited to only two tellers at a time. That means a better experience for the client, a better experience for staff, and a better flow within the branch. All with less hardware and capital expense!
Features & Benefits
Asset Liability Management (ALM) is a critical tool to manage interest rate risk and liquidity risk faced by banks and other financial institutions. It is the practice of managing various risks that arise due to repricing and cash flow mismatches between the assets (loans and investment) and liabilities (deposits and borrowings) of the bank or credit union.
Kinective consults our clients and provides solutions for:
Interest Rate Risk
Determine how changes in interest rates can impact your earnings and equity valuation, posing potential risks to be prepared for.
Current Expected Credit Loss (CECL)
A new Financial Accounting Standards Board (FASB) requirement that models historic loss rate calculations as well as adjustments for both current and expected future conditions.
Fixed Income Accounting
We model how much premium to amortize each month by forecasting what the future cash flows of the bonds will be in different interest rate environments.
Liquidity Risk
Assess how well your financial institution can fulfill depositor needs during a run or deposits by examining this critical measure.
Credit Stress Analytics
Forward-looking credit loss estimates on a loan-by-loan basis.
Additional ALM Modeling
o Consumer Behavioral Studies
o Non-Maturity Deposit Decays
o Product Pricing Sensitivity
o Loan Prepayment
REGULATORY EXAM PREPARATION SERVICES
Strengthen your IRR and Liquidity systems for regulatory exams
Kinective’s ALM team provides top-tier consulting and modeling to prepare your board for upcoming regulatory exams. It’s important to review your IRR and Liquidity policies annually, at a minimum. If you’ve experienced any of the following, it’s a good time to bring in a consultant, like Kinective.
• Significant change in balance sheet composition
• Significant change in business strategy
• Entrant of a new significant competitor
• Radical changes in the interest environment
• Changes in customer behaviors
Survival of the Safest ALM Webinar
Strengthen your IRR and liquidity systems for regulatory exams
“Kinective ALM is just a great product, regulators seem to like it and like how we are utilizing it. We are always encouraged by their positive feedback of our process and feel Kinective and ALM deserve much of the credit.”
Jane Long
SVP/Chief Administrative Officer | Roxboro Savings Bank
Resources
CASE STUDY
Consistent confidence in regulatory exams with the help of ALM
Read why Roxboro Savings Bank attributes much of their regulatory exam preparedness to Kinective’s ALM service.
VIDEO
Modeling High Impact Events in CECL
Financial Institutions must now prepare in advance for CECL regulations because it brings a whole new perspective to estimating credit loss. Watch this video to learn more.
VIDEO
Lowering Your Operating Expenses in a Time Where Liquidity Means Survival
Even after Covid 19, testing your ability to quickly adapt to rapid market changes and depositor needs should remain at the forefront of your focus. Watch the video to learn more.
BLOG
Recommendations for a Successful ALM Risk Management Regime
The days of going through the basic motions on Asset Liability Management are over. It’s time to up your game.
Over 3,000 banks, credit unions, and fintechs trust us.
