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Complete Access
Gain complete access to all historical data, including positions, market rates, scenarios, and reports, without limits. This enables banks to maintain a full record of their activities over time.
Mirai Regulatory Reporting
Unlock continuous regulatory compliance
Seamlessly automate reporting from data input through regulatory submission for streamlined compliance, contractually guaranteed.
UNCOMPROMISED OPERATIONAL EXCELLENCE
Market-Leading Performance Meets Expert Support
Performance at Scale Execute comprehensive regulatory reporting in parallel with zero performance degradation. Mirai’s cloud-native architecture is engineered for maximum throughput, allowing Tier I institutions to generate full report suites in just 40 minutes. This ensures reliability even under the most demanding enterprise workloads.
Dedicated Regulatory Support Technology is only half the solution. Mirai provides a dedicated team of specialists to resolve complex queries and ensure seamless operations. During On-Site Inspections, our experts work alongside you to provide rapid, accurate responses to regulatory inquiries, instilling total confidence in your reporting integrity.
REGULATORY TRACEABILITY
Transparency and Full Accessibility
Gain complete visibility into how every regulatory figure is produced, eliminating black-box risk and strengthening trust in reported results.
With full access to all parametrizations and business rules, institutions and their regulators can easily review, understand, and verify each calculation.
This transparency enhances confidence in internal analyses, simplifies audit processes, and supports smoother and more effective regulatory supervision.
END-TO-END DATA LINEAGE
Contract-Level Traceability
Unlock full visibility into how each contract impacts key metrics such as NIM, MVE, regulatory reporting items, and FTP calculations.
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This detailed insight ensures transparency in how individual contracts contribute to overall results.
- Review all contracts underlying any regulatory reporting item, providing audit-ready data and confidence in the accuracy of reported figures.
- This level of traceability and consistency across reports strengthens preparedness for On-Site Inspections and helps demonstrate compliance and transparency to regulators.
HISTORICAL PERFORMANCE INSIGHTS
Full Data History Availability
Historical Data
Use historical data to automate month-over-month or quarter-over-quarter variance analyses, track trends, and monitor evolutions.
Full Data History
Full data history ensures consistency, transparency, and a reliable foundation for informed decision-making and audit processes.
PROACTIVE PORTFOLIO STEWARDSHIP
Balance Sheet Optimization Strategies
Leverage the same balance sheet optimization strategies used in Mirai ALM & Liquidity directly within the regulatory reporting environment.
Assess the impact of these strategies not only on NIM and MVE, but also on key regulatory ratios such as LCR, NSFR, ITS, CSRBB, and others, with full traceability for every action.
Unlock a holistic view of your institution’s balance sheet, combining operational flexibility with regulatory insight to make informed decisions that optimize profitability while ensuring compliance.
ERROR-RESILIENT REPORTING
Regulatory Validation Checks
Ensure the accuracy and consistency of all regulatory reports with automated validation checks, including cross-report verifications to minimize discrepancies and guarantee compliance.
Customize checks to fit your institution’s specific needs and internal controls, giving full control over the validation process.
This combination of automated and tailored checks provides banks with reliable, transparent, and audit-ready regulatory outputs.
INSTANT COMPLIANCE ALIGNMENT
Automated Regulatory Rules
Automatically apply all regulatory rules once balance sheet data is loaded, ensuring full compliance without manual intervention.
This automation reduces operational effort, minimizes the risk of human error, and guarantees that reports and calculations remain fully aligned with the latest regulatory standards.
FORWARD-LOOKING COMPLIANCE
Forecasting Regulatory Ratios
Integrated Forecasting
Mirai integrates your institution’s forecasting exercises and new business assumptions, ensuring projections reflect expected developments and strategic plans.
Liquidity Foresight
Analyze ratios such as the LCR (Liquidity Coverage Ratio) over 30 days, six months, one year, or any custom horizon to gain a forward-looking view of regulatory compliance and liquidity management, supporting smarter decision-making.
ADVANCED STRESS-TESTING FRAMEWORK
Stress Scenarios
Run comprehensive stress scenarios on regulatory reports with the same depth and flexibility available in Mirai ALM & Liquidity.
Stress market data, such as interest rate curves, and customer behavior models, including Non-Maturity Deposits (NMDs), prepayments, and other behavioral assumptions. Incorporate new business assumptions and balance sheet optimization strategies to evaluate regulatory ratios and risk metrics under a wide range of adverse conditions.
Use these stress tests to generate and validate ILAAP (Internal Liquidity Adequacy Assessment Process) reports, demonstrating resilience, ensuring regulatory compliance, and enabling informed decision-making under both baseline and stressed scenarios.
Flexible Reporting
Generate regulatory reports tailored to your structure, with analysis by entity, currency and other key dimensions.
Apply item-level adjustments with full traceability, and view results with or without changes for transparent, auditable decisions.