Serving as Trusted Advisors
December 2017 - FHLBank Atlanta’s strategic goal is to contribute to our shareholders’ success as trusted advisors. This goal aligns with the core of our mission and purpose as a cooperative – to serve shareholders’ business needs and the housing finance needs of communities throughout the Southeast.
In 2017, we continued to deliver products, services, and educational opportunities that helped shareholder financial institutions solve key challenges and navigate a dynamic business environment. To serve as trusted advisors, however, we recognize that our engagement with shareholders must extend beyond our core products. For this reason, we have focused on growing the depth and breadth of our relationships with all shareholders, seeking opportunities to help them integrate FHLBank Atlanta into their strategic plans.
Value through Strategic Engagement
We want to expand these relationships because we know from experience that shareholders can realize significant value when they engage us at a strategic level. We have become more involved with shareholders’ boards, executive teams, and asset-liability management committees, partnering with them to understand strategic challenges and identifying opportunities where the Bank can help solve these challenges. These interactions have resulted in the creation of tailored funding plans, risk management strategies, and business development plans that have helped shareholders improve financial performance.
As shareholders look to maximize their relationship with FHLBank Atlanta, there is incredible value to be gained by leveraging their extended team at the Bank. Each member of our staff is focused on contributing to shareholders’ success, whether through advances, new technology solutions, enterprise risk management, collateral, or affordable housing products.
For example, as some of our shareholders’ regulatory risk management needs have grown more complex, we have partnered with them to offer assessment tools and guidance on how to establish effective enterprise risk management programs. In addition, our collateral team has worked one-on-one with hundreds of shareholders to help them optimize their pledged collateral, streamline processes, and maximize borrowing capacity with the Bank. Furthermore, we have consulted with numerous shareholders to help them develop strategies to achieve their Community Reinvestment Act and business development goals. We hope all shareholders recognize that these, and many other opportunities, are available exclusively to them through their FHLBank Atlanta relationship.
Value through Consistent Financial Performance
Each FHLBank Atlanta shareholder is an owner of the cooperative through a financial investment in the Bank’s capital stock. This investment represents another important facet of our trusted relationships with shareholders. Our focus is on managing the Bank’s balance sheet in a manner that supports long-term strength, ensures shareholders’ reliable access to funding, and protects their investments in the cooperative.
We also strive to generate a level of earnings and financial performance that allows us to return value through a consistent dividend. Dividends are a key source of value as they can help reduce the all-in costs of borrowing from the Bank and deliver a bottom-line impact to shareholders’ earnings. The Bank has maintained consistent dividends, paying an annualized dividend rate above four percent for the last 13 quarters.
As we look to 2018, we are excited about strengthening shareholder relationships as their trusted advisors. We appreciate having a seat at our shareholders’ tables and will continue to look for every opportunity to support their success and the growth of their communities.
President and Chief Executive Officer
The Federal Home Loan Bank of Atlanta is not a registered investment advisor. Nothing herein is an offer to sell or a solicitation of an offer to buy any securities or derivative products. You should consult your own legal, financial, and accounting advisors before entering into any transaction.