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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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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.
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...
Who Owns Balance Sheet Management in Banks?
The silent dilemma that can impact margins, solvency, and strategic decision-making. In today’s financial environment, marked by increasing pressure...
Profitability or Risk Coverage? The Strategic Role of the ALCO Portfolio in Banking
Did you know that the ALCO Portfolio plays a crucial role in the financial stability of banks yet rarely receives the attention it deserves? This...