Mirai ALM & Liquidity

Manage IRRBB & Liquidity Risk to optimize your risk-return profile

Gain an accurate view of the profitability, earnings stability and overall risk exposure of your balance sheet and ensure adequate liquidity.

Integrated ALM and Balance Sheet Optimization Designed for Efficiency and Agility

Mirai delivers integrated ALM capabilities that model IRRBB, CSRBB, liquidity, and capital risks with precision and flexibility. All risk types are fully interconnected, providing consistent and accurate measurements across the institution.

Finance and risk teams can design and evaluate multiple balance sheet optimization strategies in an agile, intuitive environment. Simulation scenarios allow assumptions to be tested for their immediate impact on metrics such as NIM, EVE, and liquidity.

Its flexible architecture supports combining optimization options to evaluate interactions, identify the most effective strategies, and maximize profitability while controlling risk.

Mirai is a collaborative platform where multiple business units, including Market Risk, Treasury, Audit, and Model Validation, work efficiently together. Shared elements such as the input interface, market data, and macroeconomic assumptions provide a consistent foundation across the organization.

Each unit retains independence over scenarios, reports, and analyses, allowing teams to customize work to their objectives while starting from reliable, standardized information.

Transform your ALM and liquidity strategy with precision and control

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CROSS-FUNCTIONAL SYNERGY

Collaboration Takes Center Stage

Built on state-of-the-art cloud-native technology, Mirai combines computational power, flexibility, and an intuitive user experience.

Our platform enables banks to manage their balance sheet strategically, streamline decision-making, and foster cross-team collaboration.

Teams can anticipate outcomes, adjust decisions before execution, and transform balance sheet management into a key driver of performance and growth.

DATA PROVISIONING

Complete Data Traceability

Ensure full traceability of all input and output data, with every data point linked to its source.

Maintain comprehensive historical records without loss of any past information, ensuring all information is available for future reference.

Support internal and external audits with clear, verifiable evidence of calculations and decisions, enabling validation of metrics and methodologies while enhancing reliability, transparency, and confidence in balance sheet management.

Unlock smarter balance sheet decisions with integrated ALM modeling

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CALCULATION ENGINES

Transparent Analytical Environment

Access all liquidity data

Access all data at the contractual level, including inputs and calculated metrics for future projection dates for the next 36 months and beyond.

ALM platform support

Support result validation, audits, comparative queries, and trend analysis.

efficient monitoring of balance sheet evolution

Save frequently used queries for repeatable reviews and efficient monitoring of balance sheet evolution.

Flexible Stress Testing & Scenarios Stress Testing & Scenario analysis

CALCULATION ENGINES

Flexible Stress Testing & Scenarios

Evaluate balance sheet behavior under different market conditions using powerful stress testing and scenario analysis.

Customize scenarios, including interest rate shocks, client behavior, new business assumptions, and macroeconomic simulations, and assess their impact on key ALM metrics instantly.

High computational performance and flexible design enable teams to anticipate vulnerabilities, test strategies, and optimize profitability.

forecasts of NIM, EVE, and liquidity ALM and Liquidity Predictive models

CALCULATION ENGINES

Powerful Forecasting

Generate accurate projections of key ALM metrics, providing senior management with a forward-looking view of balance sheet behavior.

Produce dynamic forecasts of NIM, EVE, and liquidity under diverse business scenarios and market conditions by combining advanced predictive models with historical data and strategic assumptions.

Advanced Client Behavior for ALM behaviors and associated risks with models for NMD Parametrise Mortagages Macro-Model

CALCULATION ENGINES

Advanced Client Behavior

Analyze and project client behavior immediately with ready-to-use models that can be fully customized using parameterized formulas.

Manage a wide range of behaviors and associated risks with models for NMD (Non-Maturity Deposits), prepayments, defaults, elasticities, floor & cap, disbursement, early redemption charges, custom amortization, and securitizations.

Enhance modeling with external and macroeconomic variables, such as GDP and unemployment, to capture the impact of economic conditions on client behavior.

Test scenarios, anticipate risk, and act with confidence

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CALCULATION ENGINES

Granular Analytics

Explore the balance sheet from aggregated views down to the contractual level.

Balance sheet custome reporting

Custom Reporting

Generate customized reports, drill into data, and gain precise insights to support strategic decision-making.

Balance sheet auditable traceability

Auditable Traceability

Full traceability and access to the complete historical dataset ensure all queries, reviews, and reports are reliable and auditable.

ALM Analytical Environment

Actionable Analytics

Unlock a powerful analytical environment that combines depth, control, and transparency, turning complex data into actionable insights.

comprehensive balance sheet modeling

CALCULATION ENGINES

Comprehensive Balance Sheet Modeling

Model the complete balance sheet for institutions of all sizes and business profiles, supported by truly global coverage.

Rely on a proven solution used globally by Tier I, retail, consumer, and investment banks, aligned with diverse regulatory and operational requirements.

Perform advanced stochastic calculations and generate VaR/EaR to deliver a complete view of balance sheet sensitivities and risks across multiple market conditions.

EVENTS

Insights That Move the Industry Forward

Join the conversation at our events to explore the latest perspectives in ALM, treasury, and risk.

Hear from industry experts, see Mirai in action, and discover what’s shaping the future of financial management.

 

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Superior Performance

Run multiple scenarios in parallel without slowing down computation. Process millions of contracts in minutes, delivering fast, reliable results for strategic decisions. Our ephemeral, cluster-based design maximizes efficiency, reducing infrastructure costs while preserving computational power and accuracy.

Scale complex simulations on demand, optimize resources, and respond quickly to market shifts and regulatory requirements.

scalable ALM and Liquidity Platform
ALM and Liquidity custom reporting

REPORTING

Seamless Custom Reporting

Generate fully autonomous, accurate reports using all attributes, dimensions, and historical data. 
Define custom calculated fields and update reports automatically to ensure information is always current. 
Reports can cover interest rate risk, liquidity risk, ALCO packages, or any other balance sheet metric, giving users complete control and flexibility to support strategic decision-making.

REPORTING

Integrated ALCO Pack Generation

Turn reporting into a scalable capability: unified models, automated cycles, and ALCO-grade outputs built on a single source of truth.

ALCO Report dashboard

ALCO Synthesis

Automatically produce the institution's ALCO package, combining NIM and EVE analyses with key liquidity metrics.

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Mirai Platform Parameters configuration screen

Consistent Modeling

Fully integrated data inputs and models ensure transparency, consistency, and visibility across the organization.

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ALCO PRA Combined Stress testing interface

Workflow Automation

Automation streamlines preparation and review, improving accuracy, speeding up workflows, and providing a clear, data-driven view to support strategic decision-making.

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Juan Luis Royón Mirai Platform Testimonial Banco Santander

Mirai is a best-in-class partner. They are reliable, intuitive, and customer-focused, and their modular approach is enabling us to handle global scale with ease. Selecting and using Mirai for managing our global Balance Sheet Management operations was an easy decision.

Juan Luis Royón

Global Director of Structural and Market Risk at Banco Santander

Unlock the full potential of your ALM workflows

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