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  • ABOUT THC
    Integrated
    Balance Sheet
    Management Solutions
    ALM, Budgeting,
    Profitability,
    Loan Transactions
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Powered by a culture of rigorous research, extensive computation capacity, and quality testing, our clients receive state-of-the-art solutions that create efficiency and profitability and foster transparent, informed, and executable decisioning.

We believe effective balance sheet management depends on the integration of the ALM process, earnings drivers, effective underwriting, and transparent expense analysis. Together, with the THC Loan Desk providing capital markets access, THC provides a complete financial performance ecosystem.

Our proven and trusted ALM analytics software provides you with an agile, cost-effective, web-based solution to address profit/risk challenges across departments.



BUSINESS MISSION



To provide the best asset - liability management analytics and transactional solutions
to enhance the performance of community financial institutions.

OUR HISTORY
OF RESEARCH

THC
THOUGHT
LEADERSHIP

aboutthc lamp         
     
            
1984
Introduced the first interest rate movement model, the regulatory 'stochastic Interest rate' model
aboutthc ana         
     
            
1992
Introduced Key Rate Duration yield curve risk measure. Currently used by $14 trillion balance sheet management (est).
aboutthc cpt         
     
            
2006
Sole provider of interest rate risk reports for OTS/OCC for 6 years for all thrifts. Launched the first cloud-based ALM solutions.
aboutthc pap         
     
            
2007
Coauthored the first residential default-prepayment model with OFHEO currently cited at FHFA website.
aboutthc money         
     
            
2018
ALM Analytic with CECL
incorporated at loan level to drive smart decision to consume assets or divest assets or divest assets intelligently.
THC revolutionized the financial services industry with groundbreaking research and development of interest rates, risk management, and complex securities valuation models.

Thomas Ho, named one of the most prolific authors in finance, literally wrote the book on financial modeling with his longtime collaborator, Sang Bin Lee, Ph.D.

The Oxford Guide to Financial Modeling, Oxford University Press, 2003, ranked the top 10 financial modeling book by Wall Street Mojo.

Additional works include:

Securities Valuation. Oxford University Press, 2005. Thomas S.Y. Ho and Sang Bin Lee.

Collateralized Mortgage Obligations. Probus, 1994. Andrew S. Davidson, Thomas S.Y. Ho, Yung C. Lim.

Strategic Fixed Income Investment. Irwin Professional Publishing, 1990. Thomas S.Y. Ho.

Tom is also the author of more than 80 articles that have appeared in major financial journals, including The Journal of Finance, The Journal of Derivatives, Journal of Fixed Income, and The Journal of Portfolio Management.

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