ALM Consulting |
Clear. This is the word that best describes BRS' ALM ADVISOR™ asset/liability management report set. Each
quarter we give you a clear, unobstructed view of where the bank is, and
more importantly, what lies on the horizon. For clarity and
incisiveness, ALM ADVISOR has no rivals. Created with one overriding
to be user friendly, ALM ADVISOR alleviates you from the chore of
interpreting dense, complex reports that are often as thick as a
phonebook, and frees you to focus on the information that is important.
ALM ADVISOR elegantly combines data, graphics, and
concise qualitative customized narratives that allow you to move easily
from one topic to another. One of ALM ADVISOR's most distinctive
features is that it presents your actual results along side your
internal ALCO targets and performance goals. If you don't have a
complete set of ALCO targets or they need to be updated, that's not a
problem. We can set them for you.
ALM ADVISOR has three primary sections: the
Executive View, the
and the Financial View.
The Executive Overview is a 3 page “At a Glance” view of
a bank’s Risk, Return, and Capital profiles. The Overview is unique in
that it combines succinct custom narratives with graphics, ratio data,
ALCO targets, and comparative statistics. However, the Executive
Overview’s real power is in its vivid, highly innovative layout.
Complex, and often dry, information is made approachable and easy to
follow even for non-ALM practitioners, such as Board Members. This means
that time is spent focusing on the information, not on interpreting
As the name suggests, the Detail View is an in-depth 17
page look at a bank’s Risk, Return, and Capital profiles. The 5
quarter trend of each key measurement is shown graphically along with
its accompanying ALCO target, and accompanied by concise discussion of
the meaning of the measurement and its overall relevance. The Detail
View provides a thorough exploration of the following areas:
Rounding out the ALM ADVISOR is a 3 page section of
traditional financial statements. Each financial statement provides a
clean, comprehensive 8 quarter look at a bank’s balance, income, and
rate history. Also included in the Financial View is a detailed
traditional Balance Sheet Gap report.