Why Jill Cetina’s latest presentation is a must-read for bankers

Amid rising economic uncertainty and market volatility, Jill Cetina—banking expert, economist, and faculty member of the Certificate of Bank Treasury Risk Management (BTRM)—delivered a powerful webinar on April 15th addressing how U.S. trade and fiscal policy may impact banks in 2025.

From the growing permanence of tariffs as a revenue source to rising recession and stagflation risks, Cetina provides a comprehensive breakdown of what banks may need to prepare for—especially in slides 21 through 23.

Key Takeaways from the Deck

• Why official sector interventions may no longer work as expected
• The importance of liquidity, stress testing, and understanding capital buffers
• How loan pricing, not volume, becomes critical
• The growing need for customized stress testing, including a 6% 10-year Treasury yield
• Strategic insights on asset selection and CECL scenario adjustments

This presentation reinforces the urgency for banks to review their capital plans and interest rate risk sensitivity, and to prepare for a new reality where regulation may not equal risk mitigation.

Note: Invictus does not have any contractual relationship with Ms. Cetina or BTRM. Our promotion of her presentation is strictly based upon its immense educational value for financial institutions.

Resources to Help you Prepare: 

Download full slide deck from BTRM webinar

Download the Free Plan & Sample Capital Plan

Download Tarriff and Trade War Stress Testing Scenario 

Download CRE Risk Management Plan

Want to see how your institution can use this insight to improve your capital resilience?