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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...
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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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Posts tagged: regulation
Browse our full collection of articles on Balance Sheet Management, ALM, liquidity, risk, regulation, and financial technology.
Category I to IV: Which US Liquidity Rules Apply to Which Banks
Silicon Valley Bank held 209 billion dollars in assets, more than double the US liquidity rulebook's statutory floor. It still had no LCR, no NSFR,...
eSLR Final Rule: What Recalibrating the Backstop Unlocks
A leverage ratio is supposed to be a backstop. For several US G-SIB subsidiaries, it had become the binding constraint. TheNovember 2025 final rule,...
CET1 vs AT1 vs Tier 2: the capital stack, properly explained
Not all bank capital is equal, even when it all shows up on the same balance sheet. CET1, AT1, and Tier 2 rank on one key property: how reliably each...
14.1% CET1, dead in a week: what Credit Suisse proves about capital
Credit Suisse entered March 2023 reporting a CET1 ratio of 14.1% and a liquidity coverage ratio near 150%. Both numbers were accurate. Both were...
Capital, RWAs, and Balance-Sheet Strategy Under Basel IV
Basel IV refines the way regulatory capital is determined across banks and across different risk types. The reforms affect credit risk, market risk,...
Basel IV and Balance Sheet Strategy: The Importance of Capital Finalization for ALM
Over the past decades, banking has become increasingly complex, with institutions operating across multiple markets, products, and jurisdictions....
EBA IRRBB Heatmap: What the New Supervisory Roadmap Means for Banks
In January 2024, the European Banking Authority (EBA) published a heatmap following its scrutiny of the implementation of the new Interest Rate Risk...
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...
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...
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 ...