Proven at Global Scale

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2025 Chartis Category Leader in 7 RiskTech Quadrants

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60 parallel IRRBB scenarios across 1.9M contracts in 29 minutes

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15.4M contracts processed in 41 minutes for NII and FTP pricing

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Trusted by +20 G-SIB entities across EMEA, North America and LATAM

GSIBS CHALLENGED

Running a G-SIB Balance Sheet Today

Across most G-SIBs, ALM, Liquidity, FTP and Regulatory Reporting still run on separate platforms with separate assumptions, so the same balance sheet can produce different answers depending on who's asked. Stress-testing cycles take days. This isn't an edge case. It's what running a G-SIB balance sheet looks like most weeks.
It has a cost. Decisions take longer to reach and are harder to defend. ALCO confidence weakens when the numbers behind a scenario can't be traced in the room. And when a supervisor asks a question mid-inspection, or a market move means ALCO needs a new scenario by tomorrow, the answer depends entirely on how fast and how accurately your teams can respond.
ALCO Report

What Mirai Brings to G-SIBs

Four connected modules, ALM, Liquidity & FTP, Regulatory Reporting and AI, running on a single platform, giving global banks the agility, transparency and analytical depth required to navigate today's complexity.

Mirai ALM & Liquidity

Mirai ALM & Liquidity

Models IRRBB, CSRBB and liquidity in one shared data model across entities and currencies, replacing the separate assumptions and manual reconciliation that come with running each in isolation. Simulations run unlimited and in parallel, turning stress scenarios that once took overnight batch cycles into full-granularity results in minutes.

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Mirai Regulatory Reporting

Mirai Regulatory Reporting

Automates the regulatory reporting workflow, giving full transparency into how every figure is produced, from source contract to submission-ready, across any jurisdiction. A dedicated regulatory team tracks requirements as they evolve, delivering updated templates as regulations change, contractually guaranteed.

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Mirai FTP & Profitability

Mirai FTP & Profitability

Calculates FTP rates contract by contract, assigning each transaction a funding cost and credit based on its cash flow profile, maturity and optionality. Spread components, including base funding cost, liquidity premium, credit and regulatory cost, are decomposed and fully traceable, with rates recalculated daily through a fully automated process.

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Mirai AI-1

Mirai AI

Combines expert AI assistance with continuous auto-calibrating behavioral models to deliver trusted, explainable intelligence across Treasury, ALM, Risk and Regulatory Reporting, deepening analysis and improving decision-making. Built to scale expertise, uncover deeper balance sheet insights and strengthen governance without compromising transparency or control.

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What Your Legacy Vendor Can't Do

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Zero-Downtime Upgrades

  • Cloud-native architecture means new releases don't require scheduled outages across regions.
  • No added cost and no separate implementation project.
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Unlimited Parallel Simulations

  • Run as many scenarios as ALCO needs, with full granularity down to entity, currency and contract.
  • Results in minutes, not overnight batch queues.
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Real-Time Regulatory Updates

  • New rules and templates across any global or regional framework are incorporated as they're published.
  • No waiting on vendor release cycles to stay compliant.
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Contract-Level Traceability

  • Every figure across ALM, Liquidity, FTP and Regulatory Reporting traces back to its source contract.
  • No black box. Full lineage available at any point for regulators, auditors or model validation.
Juan Luis Royón

Mirai is a best-in-class partner. They are reliable, intuitive, and customer-focused, and their modular approach is enabling us to handle global scale with ease. Selecting and using Mirai for managing our global Balance Sheet Management operations was an easy decision.

Juan Luis Royón

Global Director of Structural and Market Risk at Banco Santander

One Governed Source of Truth for Your Entire Balance Sheet Management

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FAQ

Everything You Need to Know About Mirai Solutions for GSIBs

  • What is Mirai for G-SIBs?

     Mirai is a single platform for Asset and Liability Management (ALM), Liquidity, Funds Transfer Pricing (FTP), Regulatory Reporting and AI. It uses a shared data model and calculation engine across entities, currencies and jurisdictions, so teams can work from consistent assumptions and trace results back to the underlying contracts. 

  • How does Mirai differ from legacy ALM platforms?

    Legacy ALM environments often run ALM, Liquidity, FTP and Regulatory Reporting on separate platforms with separate assumptions and batch processes. Mirai connects these functions through a single calculation engine. This allows cross-metric impacts to be analysed without manual reconciliation and scenarios to run in parallel at contract level. 

  • Can Mirai handle G-SIB-scale balance sheets and stress testing?

     Yes. Mirai is designed to process large contract volumes across multiple entities and currencies. In one production example, 60 parallel Interest Rate Risk in the Banking Book (IRRBB) scenarios were run across 1.9 million contracts in 29 minutes. Another example processed 15.4 million contracts for Net Interest Income (NII) and FTP pricing in 41 minutes. 

  • How does Mirai provide traceability for ALM and regulatory results?

    Mirai provides contract-level lineage across ALM, Liquidity, FTP and Regulatory Reporting. Results can be traced back to their source contracts, allowing teams to understand how figures were produced and investigate the assumptions and calculations behind them. This supports regulatory reviews, audits and model validation without relying on black-box outputs. 

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