ASSET/LIABILITY MANAGEMENT SERVICES

BOSC, Inc. offers comprehensive Asset/Liability Management analysis and reporting for financial institutions to assist in meeting regulatory requirements. We thoroughly analyze each component of the balance sheet using Plansmith’s Compass® model—a complete simulation system using advanced techniques to model financial behavior under changing conditions.

Comprehensive reports include:

• Regulatory rate shock evaluations: up to +/- 400 bp shocks or custom levels you set
• Rising and falling rate scenario income projections using the Blue Chip Financial interest rate forecast
• Risk Tolerance report calculating the margin required to cover projected growth, dividends and operating overhead (break even
• point) showing the possible impact on capital
• Balance sheet and income statement budget variance reports
• Actual and projected financial statements for current and projected periods (two years) including balance sheet, income statement and yields and costs
• Interest rate forecasts, and driver rate and pricing assumptions

Simplified reporting is also available. The Risk Compass Executive Summary provides the relevant risk measures with narrative to assist your board in understanding the impact on bank earnings and equity.