Backed by recognition, proven in practice.

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2025 Chartis Category Leader in 7 RiskTech Quadrants

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Trusted by Banks in 20+ Countries Worldwide

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Implementation in Weeks

MID-SIZE BANKS CHALLENGED

Finding the Right Level of Capability

Mid-size banks need robust capabilities across ALM, Liquidity and Regulatory Reporting, but the solutions built for the largest institutions can bring unnecessary complexity, cost and functionality that does not fit their operating model. At the same time, simpler tools can leave important requirements spread across different systems and processes. 
The result is a difficult choice: compromise on capability or invest in a platform designed for a scale and operating model that is not yours. What mid-size banks need is the quality, control and depth of a Tier 1 solution, shaped around their specific requirements, processes and way of working. 
ALCO Report

What Mirai Brings to Mid-Size Banks

Three connected modules, ALM & Liquidity, FTP and Profitability, and Regulatory Reporting, running on a single platform, giving Risk, Finance and Treasury one reconciled data source instead of separate figures to align before every decision.

Mirai ALM & Liquidity

Mirai ALM & Liquidity

Runs IRRBB and liquidity simulations in parallel, on the same data Risk and Finance both work from, giving ALCO one reconciled view of risk and profitability instead of two separate versions to align beforehand. Configuration adapts to different business units and charts of accounts without losing governance, keeping every result traceable back to source.

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Mirai Regulatory Reporting

Mirai Regulatory Reporting

Applies regulatory rules automatically as data loads, generating outputs in supervisor-ready format across the frameworks, risk types and liquidity ratios each institution reports on. Full data history is kept for every submission, so variance analysis, trend tracking and audit queries get answered instantly instead of pulled together by hand.

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Mirai FTP & Profitability

Mirai FTP & Profitability

Calculates commercial margin at contract level, decomposing each rate into base funding cost, liquidity spread, credit spread and regulatory cost, so pricing decisions rest on true margin instead of an average across the book. The same view replaces separate, inconsistent FTP outputs from different teams with a single figure Treasury and Finance both work from.

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What Your Existing Solution Can't Do

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Zero Hidden Costs

  • No extra charges for updates, new templates or regulatory changes.
  • Transparent, predictable pricing from day one.
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Zero-Downtime Upgrades

  • Cloud-native architecture: updates roll out automatically, with zero downtime and no infrastructure to maintain.
  • No added cost and no separate implementation project.
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Real-Time Regulatory Updates

  • New rules and templates 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.

ALM, Liquidity, FTP and Reporting. Right-Sized for Your Bank

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FAQ

Everything You Need to Know About Mirai Solutions for Mid-Size Banks

  • Is Mirai suitable for mid-size banks?

    Yes. Mirai provides ALM, Liquidity, Funds Transfer Pricing (FTP), Profitability and Regulatory Reporting capabilities on a single platform. It is designed to give mid-size banks the capabilities and control of a Tier 1 solution without requiring the operating model, complexity or functionality designed for the largest institutions. 

  • How does Mirai help Risk, Finance and Treasury work from the same data?

    Mirai uses one shared data model across ALM, Liquidity, FTP, Profitability and Regulatory Reporting. This gives Risk, Finance and Treasury a common source for their calculations and reporting, reducing the need to reconcile different figures before decisions or ALCO meetings. 

  • How quickly can a mid-size bank implement Mirai?

    Mirai implementations can be completed in weeks. Its cloud-native architecture also removes the need for banks to maintain infrastructure or schedule downtime for platform upgrades. Regulatory updates and new templates are incorporated as they are published. 

  • Can Mirai integrate market risk with liquidity risk management?

    Yes. Mirai's integrated architecture means interest rate risk, liquidity risk, and regulatory reporting share the same data model, calculation engine, and behavioral assumptions. This eliminates the inconsistencies that arise when banks use separate systems for market risk and liquidity risk.

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