Article
Loading results…
Page 1: Showing 8 out of 30 results
-
Non-Match Funded Strategies for Insurance Companies
The deep menu of FHLBank Boston advance products affords insurance company members the ability to use funding in both strategic and tactical ways.
-
Securing Public Deposits Without Tying Up the Balance Sheet
Public deposits can be an important source of relationship funding, but how they are secured can affect liquidity, earnings, and balance sheet flexibility. FHLBank Boston letters of credit offer a way to provide required credit support while preserving more flexibility across the balance sheet.
-
How it Works: Mortgage Partnership Finance® (MPF®) Program
The Mortgage Partnership Finance® (MPF®) Program supports FHLBank Boston members in extending housing financing to their communities. MPF allows members to access liquidity, tailor risk, and focus on their competitive advantage: credit risk in their communities.
-
Inflation Expectations, Interest-Rate Volatility, and Considerations for Funding
Operation Epic Fury in Iran has coincided with a surge in oil price volatility, a widening of Treasury Inflation-Protected Securities (TIPS)-implied breakevens, and an increase in Treasury yields, particularly at the front end of the curve. Depository institutions should review their assumptions about the distribution of interest-rate outcomes this year and consider how they are positioned to perform if interest-rate volatility continues to trend upward. FHLBank Boston can help banks and credit unions maintain funding stability and balance sheet resilience amid rising-rate uncertainty.
-
Strategic Implications of Commercial Real Estate Loan Repricing Wave
Over the next two years, commercial real estate (CRE) loans originated from 2020 through 2022 will reprice into a very different rate and macro environment. How that repricing wave affects debt-service coverage ratios (DSCRs), valuations, earnings, and capital, and putting the right credit, liquidity, and funding strategies in place – including leveraging FHLBank Boston products – while the planning window is still open is crucial.
-
Advance Solutions for Funding Construction Lending
Utilizing advances for construction loans can keep interest-rate and liquidity risks manageable and align funding with the characteristics of the loans.
-
Deposit Costs and Gradual Policy Rate Reduction
Bank deposits exhibit convexity. How effectively a depository can pass on changes in Federal Reserve policy rates to customers is influenced by how quickly the policy rate shifts. The current rate-cutting cycle differs from 2020 because rates are higher, and the pace of rate cuts is more gradual and predictable. With the Fed signaling a slower pace of rate cuts, it may be appropriate for members to consider the relative costs of all available funding sources, including FHLBank Boston advances.
-
Quantitative Tightening, Volatility, and Considerations for Funding
At the October Federal Open Market Committee (FOMC) meeting, the FOMC statement indicated that reduction of the Fed’s balance sheet will end December 1, 2025, earlier than many in the market expected. The end of Quantitative Tightening may have implications for interest-rate volatility. FHLBank Boston offers advances with embedded options, like the HLB-Option and Member-Option Advance, for navigating interest-rate changes.
