Asset, liability and investment committees

The recent changes in management paradigms as a result of competitive pressure and the radical and unprecedented changes in macroeconomic and financial conditions have made asset, liability, financial risk and solvency management a cornerstone of the banks’ business models and financial stability.

Advice on institutional markets and investments, balance sheet management, retail market strategies, credit or market risk exposure, and solvency and liquidity planning are the core components of our advisory services for business decision-making in financial institutions, participating in regular meetings of our financial sector clients' asset and liability, strategy, and risk committees. Our ability to combine global knowledge (economic situation, markets, and finance), competitive dynamics, regulation, and banking, insurance, or asset management, the independent nature of our judgments, critical input on the entity's actions, and our extensive experience in the Spanish financial sector have positioned us as a benchmark in business decision-making advice and represent one of the main services for which Afi has been recognized since its inception.

With regard to our knowledge of the competitive dynamics of the banking and insurance sector, which we offer in our regular participation in our clients' committees, at Afi we have a team of professionals dedicated to the continuous monitoring of the Spanish and international banking and insurance sectors, both from the perspective of banking economics and competitive structures, as well as the evolution, trends, and challenges of the main financial and business variables and their reflection in the main ratios that characterize these sectors.

This competitive analysis work is based on continuous monitoring of both sectors, which translates into:

• Banking reports.
• Banking workshops.
• Insurance reports.
• Insurance workshops.
• Dedicated seminars addressing matters of interest.

Exclusive services for the clients that subscribe to this competitive dynamics analysis service, channelled through AfiResearch.