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DATA & ANALYTICS

OmniLytics

Data doesn’t have to be complicated or overwhelming. Measure and manage risk while maximizing profit with Kinective’s enterprise-level data optimization platform, OmniLytics.

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Asset Liability Management, Done for You

Kinective provides risk management solutions for community financial institutions complete with a subject matter expert for support at every step.

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.

Liquidity Risk

Assess how well your financial institution can fulfill depositor needs during a run or deposits by examining this critical measure.

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.

Credit Stress Analytics

Forward-looking credit loss estimates on a loan-by-loan basis.

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.

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 OmniLytics 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 OmniLytics Webinar

Strengthen your IRR and liquidity systems for regulatory exams

“Omnilytics 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 Omnilytics 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 OmniLytics

Read why Roxboro Savings Bank attributes much of their regulatory exam preparedness to Kinective’s OmniLytics 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.

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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.

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