“Fixed income” is a broad descriptor for assets and securities that accrue or pay investors periodic interest or dividend payments until their maturity date. Government bonds and corporate bonds are the most common types of fixed income products.

UMB Bank, n.a., Capital Markets Division can provide access to a comprehensive suite of institutional fixed income sales and trading solutions. For more information, contact the UMB Bank Capital Markets Division team.

Reverse repurchase agreements, often known as “reverse repos,” can serve as an alternative to a traditional line of credit. Various types of marketable, liquid securities are considered eligible for a reverse repo program. Less liquid, more esoteric securities may also be considered on a case-by-case basis.

Depending on a client’s individual needs, a reverse repo can be an attractive alternative to an investment manager.

To learn more about this alternative to a traditional line of credit, read the UMB Bank blog “Strengthening liquidity with committed reverse repurchase lending facility.”

Balance sheet management is an ongoing process of analyzing a financial institution’s balance sheet to understand risk and provide guidance.

Financial experts who offer balance sheet management often use a combination of macroeconomic theory and proprietary financial modeling to determine a bank’s unique risk profile. This helps the bank better navigate regulatory changes, evaluate expansion opportunities and interpret asset/liability reporting.

As a full-service partner to our institutional customers, UMB Bank offers balance sheet management that may enhance your competitiveness and understand your risk profile. Contact the UMB Bank Capital Markets Division team for more information.

Financial institutions use the practice of asset-liability management (ALM) to mitigate a company’s potential risk of unbalanced assets and liabilities. A comprehensive ALM strategy involves a combination of risk management and financial planning tools. A successful ALM strategy sets a company up for long-term stability, with a surplus that may help increase investment returns and profitability.