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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.
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 Deposits? Non-maturing deposits (NMDs), also...
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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...
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...
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Access the latest research, practical frameworks, and expert perspectives on Balance Sheet Management, ALM, risk, and regulatory developments.
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...
How to Build an IRRBB Framework That Holds Up Under Basel, EU, UK and US Scrutiny
A complete regulatory reference for treasury, ALM, and risk teams navigating interest rate risk in the banking book after the 2024 shock scenario...
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All Insights
Browse our full collection of articles on Balance Sheet Management, ALM, liquidity, risk, regulation, and financial technology.
FPC’s New Assessment: Implications for Bank Capital and the UK Economy
When regulators talk about bank capital, they are not discussing an abstract technical ratio. They are assessing whether the banking system is strong...
Liquidity Management in Uncertain Times: Key Decisions for Banks
For a long time, bank liquidity management lived comfortably in the world of ratios. As long as the Liquidity Coverage Ratio (LCR) and the Net Stable...
OCC and FDIC Withdraw Leveraged Lending Guidance: What Changes Now
In late 2025, U.S. banking regulators took a meaningful step that may reshape how leveraged finance is supervised. The Office of the Comptroller of...
ALM Functions: An Organizational Approach in a Context of Uncertainty
Financial institutions currently operate in an environment characterized by heightened uncertainty. This perception is reinforced by the Global Risks...
ECB Calls for Simplification: Regulatory, Supervisory, and Reporting Reform Ahead
In December 2025, the Governing Council of the European Central Bank (ECB) took an important step by endorsing a set of recommendations aimed at ...
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...
How Cloud-Native RegTech–RiskTech Platforms Transform Risk and Regulatory Management
Over the past decade, many financial institutions have tried to modernize their risk and regulatory frameworks while still relying on architectures...
DPM 2.0 and the EBA’s 4.2 Reporting Framework: Key Changes and Strategic Implications for EU Banks
The European Banking Authority (EBA) has released the final technical package for version 4.2 of its supervisory reporting framework, marking a...
Why Unified RegTech and RiskTech Are Key to Modern Scenario Intelligence in Banking
Volatility now reshapes banking conditions in hours, putting unprecedented pressure on scenario analysis. What was once a regulatory formality has...
8 Insights from the 2025 SREP and What Banks Should Be Doing Now
Every Supervisory Review and Evaluation Process (SREP) cycle forces banks to take a hard look at their balance-sheet resilience, governance maturity,...