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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...
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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...
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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...
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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...
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Articles by: Mirai RiskTech
Browse our full collection of articles on Balance Sheet Management, ALM, liquidity, risk, regulation, and financial technology.
The Bank That Measured Itself to Death: SVB’s IRRBB Anatomy
Silicon Valley Bank did not fail because it could not measure its interest rate risk. It measured it, breached its own limits, and then changed the...
CP5/26: The PRA Wants Central Bank Facilities Inside Your Liquidity Adequacy
For fifteen years, one principle has sat at the foundation of liquidity regulation: your buffer has to be your own. The central bank is a backstop,...
The Liquidity Acronym Decoder: 40 Terms from ALMM to wSTWF
ALMM, wSTWF, CFMR, RLAP. Liquidity regulation has its own language, and half the difficulty of getting fluent in it is just remembering what the...
GENIUS Act Stablecoin Reserves: A New Liquidity Rulebook Is Being Written
Bank liquidity rules were built for one type of institution. Now the same logic is being written into law for a completely different one: payment...
The 10 Most-Read Risk and Balance Sheet Management Insights of 2025
As 2025 ends, we’re looking back at the content that resonated most with risk, ALM, and regulatory professionals. From AI-driven balance sheet...