PREMIUM CONTENT
This is premium content, available to Connect Plus users only
Unlock this content and more with Connect Plus membership.
Join a community of professionals and get:
Join a community of professionals and get:
15% discount
on all CeFPro events.
on all CeFPro events.
Post-event access:
unlock speaker decks and audience polls.
unlock speaker decks and audience polls.
Instant insights:
Full library access the moment you sign up.
Full library access the moment you sign up.
Article
Balance Sheet Agility Will Separate Tomorrow’s Banking Winners
Interest rate volatility demands more than strong balance sheet controls. Tihomir Bublic argues that resilience depends on strategic agility, disciplined optionality, stronger deposit relationships, and making interest rate risk management an integral part of business decision-making rather than a compliance exercise.
Jul 03, 2026
Tihomir Bublic, Director of Asset Liability Management, Hrvatska Banka
Tags:
ALM, Treasury and Liquidity Risk
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
- Tihomir Bublic says
resilience begins with stress testing multiple interest rate scenarios
rather than relying on simple parallel shifts
- Deposit behavior and
customer relationships are more important than contractual assumptions or
price competition alone
- Banks should
prioritize disciplined optionality instead of making large directional
rate bets
- Advanced analytics
and diversified funding strategies can strengthen profitability and
resilience
- IRRBB should evolve
into a strategic management tool embedded within business and product
decisions
Log in to continue or register for free
WHAT'S INCLUDED:
Unlimited access to peer-contribution articles and insights
Global research and market intelligence reports
Discover Connect Magazine, a monthly publication
Panel discussion and presentation recordings
Sign in to view comments
Related insights —