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Mirai FTP & Profitability
Manage NII volatility to drive sustained profitability
Break down the transfer price at the contract level into its components with the highest level of granularity and full auditability.
A Transparent, Granular FTP Framework to Optimize Profitability and Financial Planning
Mirai FTP & Profitability provides a consistent, coherent methodology across all business units, giving financial institutions a precise and aligned view of balance sheet profitability. By enabling accurate risk transfer and cost allocation across products, clients, branches, and divisions, banks can identify true profit drivers and optimize resource allocation.
Mirai’s comprehensive FTP framework consolidates the bank’s business plan, projected FTP rates, and fee and commission structures into a single, unified environment. Built on a flexible, cloud-native architecture and powered by advanced analytics, the platform delivers transparent, traceable, and reliable data to support resilient and sustainable profitability.
This integration provides a realistic view of financial margins, improves forecasting accuracy, aligns business objectives with financial strategy, and empowers leadership to make confident, data-driven decisions.
With Mirai FTP & Profitability, banks gain a holistic, institution-wide perspective that turns complex balance sheet management into a strategic advantage, supporting sustainable growth, higher profitability, and stronger alignment between financial and business objectives.
GRANULAR MARGIN ANALYSIS
Versatile Multiple Spreads
Incorporate multiple FTP spreads to gain a more detailed and differentiated view of profitability and risk across your portfolio.
Analyze components such as the base curve, liquidity spread, credit spread, regulatory cost, and other factors relevant to your bank’s strategy, ensuring accurate measurement and full transparency.
COMPREHENSIVE CALCULATION SUITE
Robust FTP Out-of-the-Box Models
Access a wide range of built-in FTP calculation methods, including cash-flow-based methods such as zero discount factor and weighted term, as well as non-cash-flow methods such as repricing term and rolling average, to understand the true contribution of each product and portfolio.
Precisely capture the risk and market value of your balance sheet products to maximize profitability, manage risk effectively, and make more informed decisions. With continuous innovation and new FTP methods added regularly, your bank always has the latest tools to optimize performance, manage risk, and drive strategic financial decisions with confidence.
AUTOMATED PROFITABILITY MODELING
Detailed Commercial Margin
Calculate the true commercial margin for each contract, considering its specific financial margin and all relevant FTP spreads.
Gain a complete, contract-level view of contribution to optimize pricing, improve margins, and drive strategic growth with confidence.
Save frequently used queries for repeatable reviews and efficient monitoring of balance sheet evolution.
Optimized Operational Efficiency
Process millions of contracts in minutes with Mirai’s high-speed, scalable platform, giving your teams timely access to FTP calculations.
Handle large, complex portfolios effortlessly and generate precise results even under heavy workloads.
Run comprehensive analyses, monitor profitability in real time, and respond to market changes faster than ever to enable more efficient operations.
GRANULAR PERFORMANCE TRACKING
Complete Contract-Level Traceability
Access full contract-level traceability, allowing users to see the FTP for each contract and the contribution of every spread applied.
Ensure transparency and confidence in calculations, enabling teams to understand exactly how each component impacts results.
Unlock contract-level financial planning, including Commercial Margin and other key metrics, and gain a clear view of profitability to optimize pricing and drive strategic growth.
Streamlined FTP Workflows
Run scenarios in parallel without slowing down computation. Process millions of contracts in minutes for fast, reliable decisions. Ephemeral, cluster-based compute maximizes efficiency and lowers infrastructure cost without sacrificing accuracy.
Scale complex simulations on demand and respond quickly to market and regulatory change.
ADAPTIVE BUSINESS ANALYTICS
Advanced Analytics
Perform advanced analytics tailored to your institution’s needs using full contract-level data and complete dimensionality.
Analyze FTP contributions by business area, assess profitability by entity, evaluate regional impacts, or address any other requirements relevant to your institution to drive strategic decision-making.
Track trends, examine deviations, monitor month-to-month variations, and leverage historical data to uncover deeper performance insights, improve forecasting, and make faster, more confident, data-driven decisions.
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