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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.
14.1% CET1, dead in a week: what Credit Suisse proves about capital
Credit Suisse entered March 2023 reporting a CET1 ratio of 14.1% and a liquidity coverage ratio near 150%. Both numbers were accurate. Both were published. Within a week, the bank had been merged...
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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.
14.1% CET1, dead in a week: what Credit Suisse proves about capital
Credit Suisse entered March 2023 reporting a CET1 ratio of 14.1% and a liquidity coverage ratio near 150%. Both numbers were accurate. Both were...
Capital, RWAs, and Balance-Sheet Strategy Under Basel IV
Basel IV refines the way regulatory capital is determined across banks and across different risk types. The reforms affect credit risk, market risk,...
Basel IV and Balance Sheet Strategy: The Importance of Capital Finalization for ALM
Over the past decades, banking has become increasingly complex, with institutions operating across multiple markets, products, and jurisdictions....
EBA IRRBB Heatmap: What the New Supervisory Roadmap Means for Banks
In January 2024, the European Banking Authority (EBA) published a heatmap following its scrutiny of the implementation of the new Interest Rate Risk...
FPC’s New Assessment: Implications for Bank Capital and the UK Economy
When regulators talk about bank capital, they are not discussing an abstract technical ratio. They are assessing whether the banking system is strong...
OCC and FDIC Withdraw Leveraged Lending Guidance: What Changes Now
In late 2025, U.S. banking regulators took a meaningful step that may reshape how leveraged finance is supervised. The Office of the Comptroller of...
ECB Calls for Simplification: Regulatory, Supervisory, and Reporting Reform Ahead
In December 2025, the Governing Council of the European Central Bank (ECB) took an important step by endorsing a set of recommendations aimed at ...
DORA Compliance for SaaS Platforms: Building Trust with Financial Institutions
The Digital Operational Resilience Act (DORA) is reshaping how financial institutions evaluate the technology they depend on. For SaaS providers...