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Welcome to this video on interest rate risk, which is intended for those involved in the asset/liability management function, including personnel and members of a banks asset/liability committee. In this video, well discuss deposit assumptions, including both runoff assumptions and price sensitivity assumptions. Well also talk about how sensitivity analyses are conducted. Assumptions used in interest rate risk modeling are important for capturing a banks exposure to interest rate risk. Nonmaturity deposits such as demand deposit, savings, and money market accounts represent an important part of the liability structure for community banks. These deposits are challenging to model since the accounts do not have contractual cash flows or maturity dates. Subjective assumptions are usually developed to assess how deposit volumes and rates will respond to projected market rate changes within the measurement systems. As the chart illustrates, a certain amount of runoff occurs due to the c