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NSFR Explained: What It Is and Why It Matters for Banking Regulation
Since its introduction, alongside the LCR, the Net Stable Funding Ratio (NSFR) has gained prominence among regulators and banks worldwide, including...
Future Finance Review
Explore thought leadership, data-driven analysis and practical frameworks that turn balance sheet complexity into clarity and confident decisions.
The Bank That Measured Itself to Death: SVB’s IRRBB Anatomy
Silicon Valley Bank did not fail because it could not measure its interest rate risk. It measured it, breached its own limits, and then changed the assumptions until the numbers behaved. The risk...
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Liquidity
NSFR Explained: What It Is and Why It Matters for Banking Regulation
Since its introduction, alongside the LCR, the Net Stable Funding Ratio (NSFR) has gained prominence among regulators and banks worldwide, including...
Liquidity
How to Calculate the Liquidity Coverage Ratio (LCR)
Could a bank survive 30 days without access to new funding? The Liquidity Coverage Ratio (LCR) aims to answer precisely that question. This key...
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Your trusted source for clarity and the latest innovations in ALM and Balance Sheet Management.
How to Calculate the Liquidity Coverage Ratio (LCR)
Could a bank survive 30 days without access to new funding? The Liquidity Coverage Ratio (LCR) aims to answer precisely that question. This key...
How to Project Net Interest Income Under IRRBB: Key Insights from the ALM Approach
Managing a bank's balance sheet implies addressing multiple structural risks, with Interest Rate Risk in the Banking Book (IRRBB) being one of the...
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Whitepapers
In-depth analysis and practical frameworks shaping the future of ALM, Treasury and Risk.
Automated Regulatory Reporting for Pass-Through Rates
Mirai offers a fully automated regulatory reporting workflow for the Pass-Through Rate (PTR), ensuring banks can comply with EBA ITS requirements...
Model Committed Drawdowns with Disbursement
Disbursement is a behavioral model in Mirai that captures how customers access committed-but-undrawn funds over the life of a facility. Rather than...
Dynamic Schedule: Modeling Non-Standard Repricing Structures
The Dynamic Schedule functionality on Mirai enhances how financial institutions model and price contracts with irregular or non standard repricing...
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Your trusted source for clarity and the latest innovations in ALM and Balance Sheet Management.
The Bank That Measured Itself to Death: SVB’s IRRBB Anatomy
Silicon Valley Bank did not fail because it could not measure its interest rate risk. It measured it, breached its own limits, and then changed the...
CP5/26: The PRA Wants Central Bank Facilities Inside Your Liquidity Adequacy
For fifteen years, one principle has sat at the foundation of liquidity regulation: your buffer has to be your own. The central bank is a backstop,...
The Liquidity Acronym Decoder: 40 Terms from ALMM to wSTWF
ALMM, wSTWF, CFMR, RLAP. Liquidity regulation has its own language, and half the difficulty of getting fluent in it is just remembering what the...
How Much Can Banks Save By Integrating Balance Sheet Management on a Single Platform?
Over the past few decades, financial institutions have invested heavily in modernizing their technology landscapes, introducing new platforms to meet...
GENIUS Act Stablecoin Reserves: A New Liquidity Rulebook Is Being Written
Bank liquidity rules were built for one type of institution. Now the same logic is being written into law for a completely different one: payment...
What Is The Hidden Cost of Balance Sheet Management Fragmentation for Banks?
The foundations of balance sheet management are inherently cross-functional. Asset & Liability Management (ALM), Funds Transfer Pricing (FTP),...
IReF and BIRD: How the ECB Is Rethinking Regulatory Reporting
Most of the infrastructure that keeps the financial system running is invisible. Customers never see the databases that record every mortgage...
Why Behavioral Assumptions Are Central to Modern ILAAP Frameworks
Every liquidity assessment begins with a combination of facts and assumptions. Contractual maturities define when assets mature and liabilities...
Why Hedge Accounting Is Evolving and Why That Matters Strategically
For many professionals outside Treasury, ALM, and Finance, hedge accounting is often perceived as a highly technical accounting discipline associated...
How AI Changes Analytical Work in Treasury and Risk
The integration of artificial intelligence into financial institutions is gradually changing the rhythm of analytical work across treasury and risk...