Managing ALM and NIM preservation during a period of ultra-low interest rates

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This lecture will be in English with written translation to Spanish (via Microsoft translator) .

Panel: (40 minutes debate)


  • Jiska Vos: Subgerente ALM, Banco Itaú Chile
  • Rafael Hurtado: Gerente del Área de Riesgo de Mercado Estructural, Negociación y Liquidez, Banco de Crédito BCP
  • Cristhian Lancheros: IRRBB Risk Officer, BBVA USA
  • Ignacio Nunez: Finance Director, Banco Santander S.A., London Branch

In Spanish with written translation to English (via Microsoft translator).

BTRM Designer and Founder

Moorad Choudhry

Moorad Choudhry is an independent non-executive director at Recognise Bank Limited in London, a non-executive director at the Loughborough Building Society and a non-executive director at Wandle Housing Association. He is Honorary Professor at University of Kent Business School. He was latterly Treasurer, Corporate Banking Division at The Royal Bank of Scotland. He began his career at the London Stock Exchange in 1989.

Moorad is a Fellow of the Chartered Institute for Securities & Investment, a Fellow of the London Institute of Banking and Finance, a Fellow of the Global Association of Risk Professionals, a Fellow of the Institute of Directors and a Freeman of The Worshipful Company of International Bankers. He is author of The Principles of Banking (John Wiley & Sons 2012).

Moorad was born in Bangladesh and lives in Surrey, England. He was educated at Claremont Fan Court school, the University of Westminster and the University of Reading. He obtained his MBA from Henley Business School and his PhD from Birkbeck, University of London.

Reinventarte is the BTRM Partner for its Latin American chapter. A consultancy with 15 years track record in Latin America, Reinventarte provides innovative solutions and expert advisory up to C-level, employing a team of experienced senior subject matter experts, covering the fields of transformation, strategy, talent and people management, technology and finance.

BTRM Latin America Chapter:

The BTRM Latin America (LatAm) Chapter was set up in partnership with Reinventarte to address specific bank regulation and markets needs for students working in Latin America. It is structured to uphold the highest level of quality and rigour offered by the BTRM students worldwide, together with specific material emphasising regional learning needs. In Latin America, the banking industry faces historically low interest rate levels, devaluated local currencies, a negative credit outlook and challenges to manage volatility and liquidity in the financial markets, along with other challenges. For LatAm Chapter students, each cohort of the BTRM will present 4-6 webinars in the Spanish (or Portuguese) language, addressing the regulatory agenda and financial markets landscape in Latin America. In addition, queries may be raised on the Student Forum in Spanish and Portuguese. The main objectives of the Chapter are to facilitate access in Latin America to the best skills and boost ALM best-practice in the region.