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Event Q&A
Navigating Risk Through a Shifting Rate Landscape Banks Face New Reality in Higher Interest Rate Era
The Vice President and Head of ALM at a leading New York bank explains how higher interest rates are reshaping risk management. With limited behavioral data, institutions must rely on real-time observation, stress testing, and long-term modeling to stay resilient. Product design, capital, liquidity, and ratings all come into sharper focus as banks adapt to a financial landscape many have not experienced in decades.
Sep 03, 2025
The views and opinions expressed in this content are those of the thought leader as an individual and are not attributed to CeFPro or any other organization
- Banks confront challenges of higher interest rates after decades of low-rate stability
- Limited behavioral data on customer actions forces reliance on real-time monitoring
- Risk management focuses on measuring and managing exposure, not eliminating it
- Asset-liability frameworks test reinvestment and disintermediation risks
- Higher yields create new product opportunities but raise competition
- Stress testing and long-term modeling strengthen resilience
- Priorities include capital, liquidity, and alignment with credit ratings
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