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Wholesale Growth for Capital Optimization
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The rationale for undertaking a Wholesale Growth Program varies:
- Slow or no loan demand
- The desire to spread fixed costs over a larger earning asset base
- The need for more resources to provide essential services
- The desire for larger dividend payouts to shareholders or depositors
- To mitigate an anticipated increase in expenses, e.g., start-up new business
Whatever the reason(s), the benefits of Wholesale Growth Programs are significant:
- They can provide meaningful incremental income within your risk tolerances
- They are extremely flexible; they can be turned on or off, expanded or slowed down quickly and efficiently as business conditions change.
- They can be initiated/managed without substantial, if any, additional overhead
Shay's Expertise in Wholesale GrowthWholesale Growth Programs are a core component of our business. We have assisted numerous financial institutions in the design, implementation and management of their wholesale growth programs. Our staff has extensive "hands-on" experience in conducting wholesale growth programs; they intimately understand the process and have experience in working with clients, their boards and their regulators in all phases of the program.
Shay's unrivaled commitment to prudent and profitable wholesale growth is vividly documented in our wholesale growth Process Manual, a detailed road map for prudent and profitable wholesale growth developed and refined over years of helping numerous financial institutions implement and manage their programs. In addition, we have a specialized suite of analytical tools to assist with each facet of the wholesale growth process:
- Planning: Shay's Capital Optimization Plan ("COP")
- Implementation: Shay depository specific "Spread Manager" Analysis, designed to assess an asset's spread contribution in multiple rate scenarios
- Monitoring: Shay's Wholesale Growth Monitoring Report, detailing P/L on a line item and aggregate basis
- Managing and Rebalancing: "ALM Impact Analysis " pre/post trade and ongoing assessment for rebalancing when necessary
We believe our expertise and capabilities in the field of wholesale growth are unrivaled in the industry and we stand ready to share those resources with you and assist you in developing a program that meets your income objects and fits your risk profile.
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