As 2025 ends, we’re looking back at the content that resonated most with risk, ALM, and regulatory professionals. From AI-driven balance sheet management to liquidity regulation and supervisory priorities, these were the most read and downloaded insights of the year.
2025 confirmed what many financial institutions already sensed: balance sheet management is no longer a purely technical discipline. It sits at the intersection of regulation, risk strategy, data, and technology. Throughout the year, professionals across ALM, liquidity, treasury, and risk turned to Mirai RiskTech for clarity—on artificial intelligence, regulatory expectations, monetary policy shifts, and modern architectures.
This article brings together the 10 most-read and downloaded pieces of 2025, offering a concise and substantive overview of the topics that mattered most. It serves as both a year-end recap and a roadmap to the priorities that will continue shaping banking into 2026.
This is our top whitepaper of the year. It explores the emerging potential of artificial intelligence—particularly machine learning—in enhancing ALM and balance sheet management practices within banking. The publication explains key AI paradigms and shows how banks can move from static models to more adaptive, forward-looking strategies, while examining applications across core ALM domains, with a focus on use cases such as client behavior categorization, interest rate modeling, and scenario analysis.
The whitepaper also outlines concrete banking use cases, underlying technical frameworks, and future-oriented insights, while addressing practical considerations relevant to risk, ALM, and finance professionals.
The Net Stable Funding Ratio continues to be a cornerstone of post-crisis liquidity regulation, and this article breaks it down in a clear, structured way.
Read moreIt explains the rationale behind NSFR, how it is calculated, and how different funding sources and asset profiles affect the ratio. Beyond the mechanics, the article emphasizes why NSFR matters strategically: it shapes funding decisions, product design, and long-term balance sheet structure. It also highlights common challenges banks face when operationalizing NSFR, including data aggregation and behavioral assumptions. For liquidity, ALM, and regulatory teams, this piece serves as both an educational reference and a practical reminder of NSFR’s role in sustainable funding strategies.
This practical guide goes beyond formulas to explain what the Liquidity Coverage Ratio truly measures and why it remains a supervisory focal point. The article walks readers through the construction of LCR, including the classification of High-Quality Liquid Assets, cash outflow assumptions, and stress scenarios.
It also addresses common pitfalls, such as data quality issues and overly simplistic interpretations of the ratio. Importantly, the article frames LCR as a dynamic management tool rather than a static compliance metric. By linking regulatory requirements with real-world liquidity stress management, it helps banks strengthen both their reporting accuracy and their short-term resilience.
This piece addresses a structural challenge facing many banks: the separation between regulatory compliance and risk management systems. It explains why fragmented RegTech and RiskTech architectures limit scenario intelligence and create inconsistencies across reporting and decision-making.
The publication shows how unified platforms enable a single source of truth, consistent assumptions, and more robust forward-looking analysis. It also highlights how integrated architectures support both supervisory expectations and strategic planning. As banks face growing demands for transparency and explainability, this article resonated as a blueprint for more coherent, resilient scenario management.
This article analyzes the Federal Reserve’s decision to bring quantitative tightening to an end and the broader implications for liquidity conditions in 2025. It connects monetary policy decisions with funding markets, bank balance sheets, and systemic liquidity dynamics.
Rather than focusing solely on macroeconomics, the piece translates policy signals into tangible impacts for banks, including changes in reserves, market liquidity, and funding costs. It also explores scenarios in which renewed stress could force a return to accommodative measures. For treasury and liquidity professionals, the article provides valuable context for understanding how central bank actions ripple through balance sheet metrics and liquidity risk management frameworks.
Regulatory expectations continued to intensify in 2025, and this article provides a clear overview of the European Banking Authority’s key focus areas. It outlines how supervisory priorities are shifting toward consistency, forward-looking risk assessment, and stronger integration between capital, liquidity, and balance sheet management.
The publication also discusses implications for internal governance, stress testing, and reporting frameworks. Rather than treating regulation as a checklist exercise, it frames EBA priorities as a driver of structural change in how banks manage risk. This made it especially relevant for institutions preparing for supervisory reviews and long-term compliance strategies.
Technology modernization was a recurring theme in 2025, and this whitepaper explores its concrete impact on balance sheet management. It examines how cloud-native platforms, scalable data architectures, and advanced analytics are replacing fragmented legacy systems.
The PDF highlights benefits such as faster scenario generation, improved data consistency, and reduced manual reconciliation. It also addresses organizational challenges, including change management and integration with existing processes. Rather than focusing on technology for its own sake, the piece emphasizes how modern platforms enable better risk awareness, regulatory responsiveness, and strategic agility in increasingly complex environments.
This piece highlights a key milestone for Mirai RiskTech in 2025: climbing 11 places from last year’s position in the Chartis RiskTech100® Ranking, reinforcing its position among the world’s leading risk and regulatory technology providers.
Beyond the ranking itself, the piece explains why this recognition matters in a year marked by increasing regulatory scrutiny, data complexity, and demand for integrated risk platforms. It reflects Mirai’s continued progress in areas such as balance sheet management, liquidity risk, and scenario intelligence.
The article also places the Chartis RiskTech100® ranking in the broader context of industry evolution, where scalability, transparency, and supervisory alignment are becoming decisive factors. For readers, it offers insight into how independent benchmarks validate technology strategies in a rapidly maturing RiskTech landscape.
With the Digital Operational Resilience Act (DORA) approaching enforcement, this whitepaper examines one of the most pressing strategic decisions for banks: cloud versus on-premise deployment models. Rather than framing the discussion as a binary choice, the piece analyzes how DORA reshapes expectations around ICT risk management, third-party oversight, resilience testing, and governance.
It clarifies common misconceptions about cloud risk and highlights where on-premise infrastructures may introduce hidden vulnerabilities. By focusing on operational resilience, auditability, and supervisory alignment, the article provides a balanced, regulation-driven perspective to help institutions assess technology architectures through the lens of DORA compliance and long-term resilience.
This article challenges the traditional view of the ALCO portfolio as a purely tactical tool. It explains how ALCO portfolios play a strategic role in balancing profitability, risk mitigation, and regulatory constraints.
The piece examines trade-offs between yield generation and structural risk coverage, emphasizing the importance of alignment with broader balance sheet objectives. It also discusses how interest rate environments, liquidity buffers, and regulatory metrics influence ALCO decisions. By positioning the ALCO portfolio within a holistic balance sheet strategy, the article resonated with professionals seeking to elevate ALCO discussions from operational execution to strategic governance.
If these topics mattered to you in 2025, you won’t want to miss what’s coming next. Subscribe to the Mirai RiskTech newsletter to receive upcoming insights on regulation, risk, and balance sheet management—directly in your inbox throughout 2026.