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CFO Focus: Leveraging funds transfer pricing to maximize margin

first_imgCredit unions continue to experience tight margins due to many factors, including low interest rates, a flattening of the yield curve, growth of share accounts, shrinking loan portfolios and a shift in balance sheet structures. Even with a recent uptick in net interest margin for the overall credit union industry (up to 3 percent for Q1 2017), credit unions continue to operate in a historically low NIM environment. As net interest margin typically represents 50 to 85 percent of an institution’s bottom-line income, finance teams need an accurate and consistent methodology for calculating and analyzing NIM to truly measure profitability and performance. Although credit union mission statements are geared toward serving members, profitability is nonetheless an important factor in determining institutional health and viability and needs to be considered strategically in your organization.In an environment of tight margins, employing matched-term funds transfer pricing as a tool for proactive margin management provides an opportunity to improve bottom-line results. Funds transfer pricing is an internal management information system designed to allocate NIM across all segments of the credit union, including branches, products and members. FTP is often used for historical analysis and measurement, but should also be an integral part of strategic planning, budgeting and forecasting to ensure alignment with organizational goals and strategies. Let’s examine the use of FTP throughout the enterprise performance management cycle. 11SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading »last_img read more

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New Eagles Coach, Rohr, Expected in Spain for NPFL All Star,…

first_img“As you know, part of our understanding with the new coach is that he will be on ground to work and follow up on our players in the domestic league. During negotiations with him, we agreed that since we have a crop of the NPFL players embarking on the LaLiga tour, it will be necessary for him to look in on them during the friendlies.“So, we are expecting him, after playing Valencia on Wednesday (yesterday) to join us on Friday, when we proceed to play Malaga in the Carranza Cup competition,” Green said.Throwing more light on the plan, Chairman of the League Management Company (LMC) and 2nd Vice President of the NFF, Shehu Dikko, pointed out that it makes a lot of sense for the Super Eagles coach to join in on the LaLiga tour.“The head coach of the Super Eagles, Salisu Yusuf, whom he will work with is here. Other coaches who have been involved in the Super a Eagles are here. The back room staff of the Super Eagles whom he will work with are here. Then, the crop of the NPFL players who may form the core of our home-based team is here, so this tour presents the coach a hands-on platform to begin to interact and plan with his team, to hit the ground running.“It makes great sense for him to be here. Interestingly, he lives in Bordeaux, France which is just few hours from Spain,” Dikko said.“For the players, the presence of the new coach will serve as a motivation. It is remarkable that the Super Eagles coach is resuming work with them even before meeting with the foreign based professionals. That shows that they are important and that the coach is giving a level playing ground for all players who aspire to get into the Super Eagles.”Meanwhile, gate takings from last night’s friendly between Valencia and NPFL All Stars will be donated to the victims of a major forest fire that ravaged the little town of Alzira.The fires destroyed over 3000 hectares of the Valencia province which also includes Alzira.“We have been made to understand that the Alzira Stadium was chosen for our match against Valencia to assist the victims of the forest fire that affected the town of Alzira in June,” disclosed NPFL All-Star Team Manager, Ameobi Ezeaku.“The ticket sales from this match will be donated to the victims of the fire.”The Enugu Rangers team manager said the trip to Spain has been an eye-opening experience.“The experience has been wonderful for both the players and officials,” told AfricanFootball.comShare this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegram The newly engaged Technical Adviser of the Super Eagles, Gernod Rohr, is expected to begin work this week with a visit to the Nigeria Professional Football League (NPFL) All Star team currently on a playing tour of the Spanish LaLiga.Chairman of the Technical and Development Committee of the Nigeria Football Federation (NFF), Chris Green, informed npfl.ng that Rohr is expected to join the All-Star team in Spain on Friday, August 12 when they play Malaga FC in the opening of the Carranza World Club Tournament.last_img read more

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After struggling in first 2 games, Brewers bullpen shuts down Dodgers in Game 3

first_imgOn Saturday in Milwaukee, there were questions about whether the Brewers might have overplayed their hand with their vaunted bullpen. In Game 1 on Friday, they had pulled starter Gio Gonzalez after just two innings, giving the Dodgers looks at six of their relievers. They’d also used relief ace Josh Hader for three innings. They held on to that victory, winning 6-5 after leading 6-1. The next day, with Hader unavailable, the Brewers blew a 3-0 lead.Jeremy Jeffress gave up the lead when he allowed Justin Turner to hit a two-run homer.Jeffress, who had been in something of a rough patch even before the Turner homer, again got the ball on Monday, with a four-run lead in the ninth. Although he allowed the Dodgers to load the bases with one out, he struck out Yasmani Grandal and Brian Dozier to end it.“He’s been in plenty of situations like that,” reliever Corey Knebel said. “Bases loaded, one out. He’s done it before. Everyone knew he could do it. He dominated. He was lights out there.”Jeffress said he never lacked confidence, and clearly, his teammates didn’t lose confidence in him. Fire danger is on Dave Roberts’ mind as Dodgers head to San Francisco LOS ANGELES — That was the Milwaukee Brewers bullpen that you’ve heard so much about.After they nearly blew the first game and did blow the second, the Brewers’ relievers sliced through the Dodgers with relative ease – besides one temporary hiccup in the ninth – on their way to closing a 4-0 victory in Game 3 of the National League Championship Series.Not only did the Brewers blank the Dodgers over the final 11 outs of the game, but they did so in such an efficient manner that all of their relievers will be available again in Game 4 on Tuesday.“That was really good for us, after what happened the last day in Milwaukee,” right-hander Joakim Soria said. “Every guy tells me every day I’m an All-Star,” Jeffress said. “They say I’m a great pitcher. Don’t let anything get in your way. Forget all the negativity and just continue to pitch the way you can pitch.”While Jeffress finished the game, perhaps the most significant piece of the relief puzzle was put into place when Hader pitched in the eighth inning.The Brewers have used him judiciously this season. He had a major league-leading 33 appearances of at least four outs. As a result, he pitched in back-to-back games only six times this season, and he’d never pitched three times in a row.With games on three straight days at Dodger Stadium, the Brewers could have been without Hader for one of the games. Winning a game without using him would have been a boon to their chances of winning the series.Related Articles Dodgers hit seven home runs, sweep Colorado Rockies How Dodgers pitcher Ross Stripling topped the baseball podcast empire center_img They had a shot at that, with a four-run lead in the eighth, but Manager Craig Counsell still opted to use him with lefties Joc Pederson and Max Muncy due.“At some point, the other team is pretty good and you respect their hitters on their team,” Counsell said. “And I thought getting Pederson and Muncy out of the game for pinch-hitters with Josh was a good way to get outs.”Hader struck out pinch-hitters David Freese and Matt Kemp, and he did so on just eight pitches, which means he can go again on Tuesday. Even Knebel, who recorded five outs, needed just 19 pitches. No one threw more than Jeffress’ 21.With Gonzalez starting and likely to go only a few innings, the Brewers will have the entire bullpen ready behind him.“We feel like we’re in really good shape,” Counsell said. “We’re not just trying to win games here. We’re trying to win the series. We’ve put ourselves in games 4 and 5 with tonight’s effort.” Cody Bellinger homer gives Dodgers their first walkoff win of season Dodgers’ Max Muncy trying to work his way out of slow start Newsroom GuidelinesNews TipsContact UsReport an Errorlast_img read more

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