Treasury Analyzer
Strengthen risk management through behavioral “deposit study” analysis complete with competitive benchmarking drawing from our unique account-level industry deposit data
Ground your balance sheet management assumptions in real market behavior
Curinos provides treasurers and their teams with the intelligence and insights to stay ahead. Our Treasury Analyzer offers comprehensive deposit study analytics — including deposit beta, balance decay, weighted-average life, and duration — made unique through industry benchmarking which draws from a dataset spanning $6T in account-level deposits. Our clients use outputs in the context of asset/liability management (ALM), funds transfer pricing (FTP), internal liquidity stress testing (ILST), and asset/liability committee (ALCO) decision-making forums, grounding their most consequential balance sheet assumptions in real market behaviors rather than internal-only estimates.
Product Benefits
Improved Understanding of Risk
Leverage deposit analytics and benchmarks to strengthen asset/liability management and understand how deposit quality compares to peers.
Improve Funding Valuation
Leverage deposit analytics and benchmarks to more confidently ascribe funding value to deposits and understand how differences vs. peers affect deposit value.
MRM/Regulatory Support
Improve documentation and dialogue with internal validation teams and regulators around the quality of deposits with decay/WAL benchmarking that is scarce in the industry.
Our Key Features
Unique Industry Benchmarking
We augment client-specific deposit study analysis with customizable industry/peer benchmarks drawing from $6T in account-level industry deposit data, covering consumer (including online/direct) through large corporate and public funds deposit pools.
Granular Segmentation
Treasury Analyzer provides deposit study insights on a granular basis, improving upon the high-level assumptions contained in most incumbent studies—including balance tier, channel, commercial business type, and other dimensions.
Up-To-Date Analytics
Our deposit study analytics can be delivered on a quarterly basis to deliver more timely, up-to-date views of deposit quality vs. lagged annual studies, meeting banks’ evolving needs around assumption monitoring and governance.
Key Stats
Years of historical data to support through-the-cycle analysis
Account-level industry deposit data to support benchmarking
Curinos Deposit Optimizer + Analyzer clients outperform peers by 15 bps across upward and downward rate environments while maintaining or exceeding growth
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