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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.
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 with derivatives and financial statements. In...
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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...
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...
Mythos: Three Weeks Later, My AI Thesis Already Looks Conservative
Three weeks ago, I published a whitepaper titled 'AI in Balance Sheet Management: The Next Architecture of Agents and Automation.' In it, I argued...
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Whitepapers
In-depth analysis and practical frameworks shaping the future of ALM, Treasury and Risk.
Early Redemption Charge
Early redemption or repayment is a common reality in financial products, from mortgages to loans and deposits. However, it introduces revenue...
Enhanced Fee Modeling: Multiple Fee Types
Fee Modeling extends Mirai's capabilities to support four additional commission categories: upfront, lineal, interest-linked, and principal-linked...
Most Banks Are Running Scenarios That Break Under Scrutiny. Are Yours Any Different?
Most banks will say their scenario simulation is fit for purpose. Some will point to the number of stress tests run last year, the breadth of the...
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Your trusted source for clarity and the latest innovations in ALM and Balance Sheet Management.
The 2010 Federal Advisory on Interest Rate Risk: Why It Still Matters in 2025
As the Federal Reserve begins to cut rates after two years of sustained monetary tightening, banks are once again reminded of a fundamental truth:...
Cloud-Enabled vs. Cloud-Native: What Is the Difference and Why It Matters
For years, Balance Sheet Management (BSM) relied on legacy systems built for a different era. It means overnight batch runs, costly infrastructure,...
What Is The Real Impact of Modern Technology on Balance Sheet Management
Gone are the days when legacy systems dictated the pace of Balance Sheet Management (BSM). What once required overnight batch runs, expensive...
How Machine Learning Is Reshaping Finance and ALM
Today, understanding Machine Learning (ML) in finance is no longer just a technical advantage. It is a strategic necessity. ML is reshaping the way...
Unlocking 4 Types of AI Applied to Balance Sheet Management
As highlighted in the first article in our series of three on AI applied to BSM, Artificial Intelligence (AI) is already a reality. It wouldn’t be...
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...
How Is Artificial Intelligence Transforming Balance Sheet Management?
Not long ago, Artificial Intelligence (AI) seemed like the stuff of science fiction: an abstract promise on a distant horizon. Today, it is something...
Analysis of the Spring 2025 EBA's RAR: Implications for European Financial Sector
Last June, the European Banking Authority (EBA) published its annual risk assessment report, the Risk Assessment Report (RAR 2025). It offers a...
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...
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...