Book a Demo
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...
Balance Sheet Management Insights
Explore thought leadership, data-driven analysis, and practical frameworks on ALM and Balance Sheet Management, turning complexity into clarity and confident decisions.
Funds Transfer Pricing (FTP): How Banks Measure the Real Margin
From FTP spreads to contribution margin by business area, region and branch. What Is Funds Transfer Pricing? Funds transfer pricing (FTP) sets the real cost of money for the bank behind every loan...
Our Blog
Most Recent Articles
Explore our latest articles covering Balance Sheet Management, ALM, liquidity, financial risk, regulation, and emerging risk technologies.
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...
Insights
Most Popular Articles
Discover the most-read insights on Balance Sheet Management, ALM, liquidity risk, regulation, and emerging financial technologies.
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...
Our Latest Downloadable Content
Whitepapers & Guides
Access the latest research, practical frameworks, and expert perspectives on Balance Sheet Management, ALM, risk, and regulatory developments.
Funds Transfer Pricing (FTP): How Banks Measure the Real Margin
From FTP spreads to contribution margin by business area, region and branch. What Is Funds Transfer Pricing? Funds transfer pricing (FTP) sets the...
Non-Maturing Deposits: How Banks Model NMDs for IRRBB and Liquidity
From first principles to machine learning in deposit modeling for balance sheet, interest rate and liquidity risk management. What Are Non-Maturing...
Understand Capital Regulation Across Basel, the EU, the UK and the US
A complete reference for capital planning, regulatory implementation and cross-jurisdictional strategy, from the foundations of bank capital through...
Our Blog
Articles by: Luis Estrada
Browse our full collection of articles on Balance Sheet Management, ALM, liquidity, risk, regulation, and financial technology.
AI Adoption in Financial Institutions: The 3 Phases Behind Agents
Artificial intelligence is becoming embedded in how financial institutions operate. The point of differentiation is increasingly defined by how these...
Mythos: Three Weeks Later, My AI Thesis Already Looks Conservative
Three weeks ago, I published a whitepaper titled 'AI in Balance Sheet Management: The Next Architecture of Agents and Automation.' In it, I argued...
AI in Balance Sheet Management: How Agents Enable Autonomous ALM Workflows
Across financial institutions, artificial intelligence is moving from experimentation into operational use. The point of differentiation is...
What Is The Real Impact of Modern Technology on Balance Sheet Management
Gone are the days when legacy systems dictated the pace of Balance Sheet Management (BSM). What once required overnight batch runs, expensive...
How Is Artificial Intelligence Transforming Balance Sheet Management?
Not long ago, Artificial Intelligence (AI) seemed like the stuff of science fiction: an abstract promise on a distant horizon. Today, it is something...