AI in Balance Sheet Management 2026

How Agents and Automation Are Transforming ALM Teams

Artificial intelligence is moving beyond productivity tools and becoming part of the operational architecture of financial institutions.

In Balance Sheet Management (BSM) and Asset and Liability Management (ALM), this transition is beginning to reshape how analysis, reporting, and decision support are produced.

This whitepaper examines how advances in AI capability translate into new operational models for finance functions. It introduces a practical framework for understanding AI adoption, from individual experimentation with generic models to domain-aware agents connected to institutional systems and, ultimately, to autonomous workflows executed by coordinated agent teams.

Drawing on recent measurements of AI capability growth and real-world developments in AI coding, agent systems, and workflow automation, this publication explains why these technologies are beginning to influence Balance Sheet Management more directly. 

MiraiRiskTech_WP_AI_in_BSM_Agents_and_Automation

What You Will Learn

  • How AI capabilities are evolving across financial institutions

  • The three phases of organizational AI adoption

  • Why software development offers an early signal

  • What this means for ALM and treasury functions

  • The architecture behind the next generation of financial analytics

  • How Mirai AI supports AI-enabled financial analytics for Balance Sheet Management

Who Should Read This Whitepaper

This whitepaper is designed for:

 Heads of Asset and Liability Management

 Treasurers and CFOs

 Risk and liquidity management professionals

 Finance transformation leaders 

Anyone exploring how AI will influence balance sheet analytics and decision-making

The Author's Perspective

 

Luis Estrada

"AI coding tools did not simply accelerate development. They changed where human expertise is applied. The critical work increasingly happens at the specification stage, where architecture, behavior, and intent are defined with enough precision for an AI system to implement them reliably.”

Luis Estrada

COO at Mirai RiskTech
Download the Whitepaper