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STRATEGIC PROFITABILITY MANAGEMENT
FTP & Profitability Solutions for Finance
Mirai provides finance teams with a single, cloud-native platform to measure the true economic cost of doing business. By covering funding, liquidity, capital, and regulatory impacts, the platform allows you to allocate costs transparently across products and business lines. With Mirai, FTP evolves from a simple pricing tool into the foundation for forward-looking profitability analysis and planning.
Integrated FTP and Performance Analytics
Mirai delivers a centralized FTP engine built on the same data models and scenarios used by treasury and ALM. By computing the full economic cost of funds at the deal level, the platform ensures absolute consistency across balance sheet projections. This unified approach eliminates the need for reconciliation while providing granular profitability metrics, such as NII, RoRWA, and RoE, across all business lines and customer segments.
Forward-Looking Planning and Alignment
By connecting FTP, ALM, and planning in a single framework, Mirai enables finance teams to anticipate the profitability impact of strategic decisions. Align your pricing with your broader balance sheet strategy using consistent, explainable insights. This integration allows finance to move beyond static reporting and support management with actionable, scenario-based outcomes defined jointly with treasury.
TOTAL ECONOMIC COSTING
Measuring the True Cost of Funds
Realistic Funding Frameworks
Building a credible FTP framework requires a cost-of-funds view that reflects actual balance sheet funding. Mirai moves beyond theoretical curves by incorporating liquidity, capital, and regulatory constraints into a consistent, transparent model. By combining these layers in a single framework, finance can measure the true economic cost of funds at the deal level to drive robust pricing and strategic decisions.
Treasury and Liquidity Alignment
Mirai connects FTP directly with treasury funding curves and spreads defined within our ALM and liquidity solution. This ensures total alignment between funding strategy and pricing decisions. The platform embeds essential liquidity cost layers, including buffers, NSFR, encumbrance, and contingency funding, directly into every FTP calculation.
Integrated Regulatory and Capital Logic
Capital components such as RWA, leverage, MREL, and TLAC are integrated seamlessly from the Mirai risk and regulatory stack. This holistic approach captures the impact of regulatory levies and capital requirements alongside traditional funding costs. The result is a decision-ready foundation for profitability analysis that accounts for the full institutional impact of every transaction.
PERFORMANCE ATTRIBUTION
Consistent Profitability Allocation
Finance requires a clear and defensible view of profitability, built on consistent methodology rather than opaque allocations. Mirai provides the transparency needed to identify exactly where value is generated across every business, portfolio, and client.
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Accurate Margin Distribution. Mirai applies matched-maturity FTP at the product level, reflecting currency, tenor, and behavioral profiles. This ensures that funding costs are allocated accurately across all business units. By leveraging a unified data model, finance teams can replace manual estimates with a precise view of profitability.
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Strategic Driver Transparency. The platform clearly separates commercial margin, structural margin, and balance sheet costs. This granularity allows you to distinguish performance driven by pricing decisions from impacts related to funding, liquidity, and balance sheet structure. Finance can finally isolate and explain the true drivers of profitability at the business-line level.
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Multi-Dimensional Analytics. Profitability is delivered through flexible analytical views across segments, countries, channels, and clients. The result is a consistent and trusted framework that supports pricing strategy and informed decision-making. Mirai provides the explainable foundation required for effective performance management and internal accountability.
UNIFIED STRATEGIC ALIGNMENT
Connecting Balance Sheet, P&L and Capital in a Single Platform
A Single Source of Truth
Finance must ensure that balance sheet projections, NII, and capital views are fully reconciled across treasury, ALM, and risk. Disconnected models create inconsistencies that undermine planning. Mirai solves this by linking projected balance sheets, fees, RWA, and capital within a single, coherent framework.
Shared Logic and Assumptions
Assumptions are aligned across all functions. Treasury funding plans, ALM interest rate modeling, and risk RWA calculations share the same data as finance P&L and FTP. By using a single engine, you eliminate manual reconciliation and ensure that every department operates from the same baseline.
Consistent Strategic Planning
Business plans, budgets, and stress scenarios are all run through a unified scenario library. This ensures total consistency between baseline and adverse views. Finance can move from reconciling data to delivering insights, supporting the bank with a trusted financial view that is easily explained and defended.
ACTIVE BALANCE SHEET STEERING
Transitioning FTP from Reporting to Strategy
Proactive Portfolio Management
- Shift from explaining past results to actively influencing future growth and pricing strategies.
- Ensure all portfolio decisions remain strictly within the bank's balance sheet and liquidity limits.
- Use data-driven insights to steer business lines toward the most profitable and sustainable opportunities.
Forward-Looking Simulation
- Simulate changes in FTP curves to immediately visualize the impact on product-level margins and business line P&L.
- Evaluate how pricing shifts affect RoRWA to ensure optimal capital deployment.
- Gain a clear understanding of the economic results of a decision before it is finalized or executed.
Value-Based Prioritization
- Pinpoint products and clients that create true economic value after all funding, liquidity, and capital costs.
- Flag underperforming segments for immediate corrective action or pricing adjustments.
- Create a robust framework for resource allocation based on comprehensive cost-of-funds analysis.
Real-Time Front-Office Alignment
- Expose FTP outputs directly to pricing tools and front-office systems via high-speed APIs.
- Ensure daily sales and deal-making remain perfectly aligned with the broader institutional funding strategy.
- Transform FTP from a back-office reporting task into a dynamic mechanism for day-to-day decision-making.
DYNAMIC FINANCIAL PLANNING
Forward-Looking Budgeting and Forecasting
Accurate Performance Drivers
Effective budgeting requires more than high-level targets. Finance needs a detailed planning framework that captures the drivers shaping future performance. Mirai builds budgets on business plans, customer behavior models, and FTP assumptions. This ensures projections accurately reflect how volumes, margins, and funding costs will evolve over time.
Integrated Strategic Simulations
By integrating FTP directly into the planning process, Mirai ensures that pricing decisions, funding strategy, and profitability forecasts remain aligned. You can simulate changes to business strategy or customer behavior to assess their impact on budgets before plans are finalized. This proactive approach turns budgeting into a robust and decision-ready process.
Unified Assumption Management
All behavioral assumptions, such as prepayments or deposit dynamics, are applied consistently across planning and ALM views. Managing these in a single framework supports more accurate forecasts and strengthens alignment between finance, treasury, and risk. The result is an explainable financial view that the entire institution can rely on.
STRATEGIC GROWTH MODELING
Driver-Based Planning
Comprehensive Driver Management
Mirai moves finance from static budgets to planning built on the factors that truly shape performance. Assumptions are defined across business, balance sheet, and behavioral drivers, including volume growth, product mix, and capital consumption. Every driver is transparent and consistently applied across all projections.
High-Impact What-If Analysis
Finance can easily run simulations by modifying individual drivers or combinations of assumptions to see their impact on NII, margins, and capital. This allows teams to test alternative strategies and pricing actions under various market conditions. You can evaluate the outcomes of your decisions before they are executed.
Simultaneous Impact Integration
Because planning is fully aligned with ALM and FTP, changes flow through the balance sheet, P&L, and capital views at once. This integration allows finance to explain both the forecast and the reasons behind any changes, creating a dynamic, decision-ready tool for the entire institution.
AUDITABLE STRATEGIC INSIGHTS
Built-In Transparency and Explainability
Mirai ensures that every forecast is fully transparent. Finance and risk teams can clearly articulate the logic behind every outcome rather than just the final figures. Users can trace results back to underlying assumptions, from business plans and behavioral models to FTP and market conditions.
Identify exactly why a forecast changes and which specific drivers are responsible. All hypotheses are documented, versioned, and consistently applied across every scenario. This level of detail eliminates the "black box" nature of traditional planning and ensures that all stakeholders understand the mechanics of the financial outlook.
Complete explainability is essential for management committees, the board, and supervisors. Mirai enables informed challenge and confident decision-making in an increasingly scrutinized environment. By providing a clear trail of logic, the platform ensures accountability and builds trust in the institution’s strategic planning process.