Treasurers

As market dynamics continue to shift, treasury demands better intelligence around deposits to inform interest rate risk and liquidity risk measurement and management. The stakes are high: Curinos research shows that institutions with advanced deposit analytics were better at forecasting interest rate risk and managing balance sheet performance and margins through the most volatile rate cycle in decades, while those relying on lagging data were consistently reacting rather than leading. Curinos provides treasurers 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 drawing from over $6T in account-level deposit data. 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. Curinos also empowers treasury functions that have active roles in deposit pricing. We provide industry leading deposit pricing data through our dynamic Pricing Data Platform, and our Deposit Optimizer platform transforms intelligence into action by diagnosing deposit portfolio performance and delivering optimized pricing strategies through price elasticity modeling that drives balance growth, cost, and duration across every rate environment. Altogether, Curinos solutions give treasury leaders the ability to move from reactive balance sheet management to proactive, data-driven strategy.