Treasury Analyzer
Make better risk management and deposit strategy decisions with access to comparative treasury deposit study analytics.
Smarter decisions on ALM, FTP and LST with better deposit study analytics.
Drawing from account-level data spanning Trillions in industry balances
Treasury Analyzer provides treasury-oriented deposit study analytics to Treasury, Risk and other teams which feature industry benchmarking, leveraging Curinos Deposit Analyzer data spanning Trillions in industry balances at an account level.
Recent environmental changes—including interest rate dynamics and bank liquidity crises—have led to real and significant changes in deposit quality. With Treasury Analyzer, financial institutions can track changes in deposit behavior that affects interest rate risk and liquidity risk management, and evaluate their relative performance in the industry, supporting ALM, FTP, LST and deposit optimization/strategy.
Proactive ALM Risk Management
Deposit study analytics can be used as inputs in A/L modeling to enable NII and
EVE calculations, and benchmarking can help
clients diagnose IRR sensitivity profiles vs. peers, and strengthen the story provided to MRM and regulators.
Improved Funding Valuation and FTP
Intelligence around interest sensitivity and liquidity characteristics of deposits are necessary inputs for assigning FTP credits to deposits, which are strong influencers of deposit segment profitability.
Solid Regulatory Defense
Peer outputs from deposit study analytics contribute to greater confidence in assumptions around new deposit portfolios where data history is limited, most commonly direct/online high-yield savings and term deposits, and improved dialogue with examiners.
Better ALCO Funding Strategy Decisions
Financial institutions can identify key differences in
their deposit quality vs. peers, and by extension how differences translate to increased/decreased shareholder value vs. peers, as part of deposit optimization and strategic planning efforts.
Key Capabilities of Treasury Analyzer
Must-have Deposit Quality Insights
Treasury Analyzer provides a deep-dive study of deposit beta, balance decay, weighted-average life, and duration—which describe the interest rate risk and liquidity risk profile of funding for key treasury use cases.
Industry Benchmarking
Outputs include client- and customizable peer group benchmarks, which draw from our proprietary account-level deposit dataset spanning $7T in deposits across depositor types, products, markets, and businesses.
Granular Segmentation
We apply a granular segmentation consistently to client and peer portfolios to go beyond the “table-stakes” product and business segmentation—e.g. providing balance tier, acquisition channel, and business type.
Battle-Tested Methodology
We apply a consistent, transparent, battle-tested methodology to client and peer data to ensure comparability of results, so that clients gain insights into where they outperform and underperform from a funding quality perspective.
Quarterly Refresh
All analytics are refreshed on a quarterly basis, ensuring clients have a more frequent pulse on deposit quality than achieved through annual, lagged studies.
Why Choose Treasury Analyzer?
Treasury Analyzer provides comprehensive deposit study analytics, which describe the “quality” of deposit funding in terms of interest rate sensitivity and liquidity characteristics through beta, decay/weighted-average life, and duration metrics.
Parallel and consistent process between Treasury Analyzer with business-focused Deposit Analyzer enables better analytic linkage between pricing and internal valuation/risk management.
Treasury Analyzer is built on Curinos’ unparalleled $7T+ account-level industry deposit data, which enables comparative insights showing where clients have advantages and/or gaps to the industry, and therefore facilitates better and faster strategic actions to expand/correct deposit funding quality.
Treasury Analyzer is updated on a quarterly basis to provide more timely and actionable insights.
Outputs from Treasury Analyzer can be directly applied to ALM, FTP, and balance sheet management.
Peer groups and segmentation can be customized according to the client’s portfolio so that apple-to-apple benchmarking can be achieved.
Treasury Analyzer is run by our Treasury and Balance Sheet Management expert team, who collectively have decades of practitioner experience in treasury deposit analytics and related use cases, annual experience training regulators including FFIEC and FDIC examiners conferences, and who won a finalist honors in the FDIC’s Rapid Phased Prototyping initiatives from 2021-2022 with its liquidity and interest rate risk management prototype.
Optionally, Treasury Analyzer industry insights can be delivered in the form of historical and ongoing raw datasets that supports clients’ internal modeling exercises for interest rate risk measurement.
- Accurate And Consistent
- Innovative And Actionable
- Informative And Accessible
Intelligence is sourced from account-level data with more than 10 years of history, consistent definitions and calculation of metrics applied across institutions.
Actionable deposit insights including standard and advanced analytics to support complex treasury functions.
Monthly reports that provide up-to-date new insights, with access to subject area experts for deep dive reviews.
Treasury Analyzer By The Numbers
Years of historical data to support through-the-cycle analysis
Account-level industry deposit data to support benchmarking
Financial institutions contributing, ranging from community to national institutions
Quarterly refreshes, improving on today’s typically annual studies
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Let’s turn insight into impact.
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