Future Finance Review

Explore thought leadership, data-driven analysis and practical frameworks that turn balance sheet complexity into clarity and confident decisions.

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How an Integrated Balance Sheet Platform Saves Banks €21.54 Million

How Much Can Banks Save By Integrating Balance Sheet Management on a Single Platform?

By Olmo Vázquez

11'

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Over the past few decades, financial institutions have invested heavily in modernizing their technology landscapes, introducing new platforms to meet evolving business and regulatory requirements....

Net Stable Funding Ratio explained: why it matters for banking regulations?

Liquidity

By Victor Latorre

Jul 21, 2025, 7:00:00 AM -- 11'

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

By Victor Latorre

Jul 14, 2025, 11:40:53 AM -- 13'

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...

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...

View

Jul 14, 2025, 11:40:53 AM — 13'

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...

View

Mythos Just Changed the Timeline for AI in Finance

Apr 9, 2026, 5:38:20 PM — 24'

AI for Financial Institutions

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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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...

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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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FTP as a Strategic Decision Engine in a G-SIB

Fund transfer pricing exists to answer a very relevant question: what does it actually cost the institution to fund each product, client, or business...

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Research & Knowledge

See the Big Picture

Explore our most downloaded whitepapers and in-depth articles on ALM, Treasury, and Risk.

Discover forward-thinking insights, frameworks, and best practices designed to inspire smarter, more resilient financial institutions.

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...

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...

Our Blog

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Your trusted source for clarity and the latest innovations in ALM and Balance Sheet Management.

Interest Risk Rate

How to Project Net Interest Income Under IRRBB: Key Insights from the ALM Approach

By Ignacio Campillo

Aug 12, 2025, 8:30:00 AM — 10'

Managing a bank's balance sheet implies addressing multiple structural risks, with Interest Rate Risk in the Banking Book (IRRBB) being one of the...

Balance Sheet Management

How Is Artificial Intelligence Transforming Balance Sheet Management?

By Luis Estrada

Aug 4, 2025, 3:02:41 PM — 12'

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 EBA RAR Spring 2025: Implications for European Financial Sector

Other

Analysis of the Spring 2025 EBA's RAR: Implications for European Financial Sector

By Miguel Angel Penabella

Jul 29, 2025, 10:30:08 AM — 12'

Last June, the European Banking Authority (EBA) published its annual risk assessment report, the Risk Assessment Report (RAR 2025). It offers a...

Liquidity

NSFR Explained: What It Is and Why It Matters for Banking Regulation

By Victor Latorre

Jul 21, 2025, 7:00:00 AM — 11'

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)

By Victor Latorre

Jul 14, 2025, 11:40:53 AM — 13'

Could a bank survive 30 days without access to new funding? The Liquidity Coverage Ratio (LCR) aims to answer precisely that question. This key...

Balance Sheet Management

Who Owns Balance Sheet Management in Banks?

By Miguel Angel Penabella

Jul 1, 2025, 10:59:39 AM — 12'

The silent dilemma that can impact margins, solvency, and strategic decision-making. In today’s financial environment, marked by increasing pressure...