Configurable Asset Liability Management Solution for Financial Institutions
Manage liquidity and interest rate risk on your balance sheet — and make informed funding, pricing, and capital decisions.
Asset Liability Management
Stay Ahead of Balance Sheet Risk
With volatile interest rates, tightening liquidity norms, and growing regulatory scrutiny, Asset Liability Management (ALM) has moved from a back-office compliance exercise to a board-level strategic priority. In line with RBI and Basel guidance, ALM is the discipline that ensures a financial institution can meet its obligations as they fall due, while protecting earnings and economic value from interest rate movements.
UVenturz offers a comprehensive ALM Solution for regulatory reporting and strategic balance sheet management, the details of which are provided below.
UVenturz ALM Solution
A Modern, Flexible ALM Solution
UVenturz ALM is an easy-to-use solution that helps banks and NBFCs build a robust, configurable, and repeatable ALM framework. The solution covers liquidity risk and interest rate risk in the banking book (IRRBB), applying behavioral assumptions instead of relying on rigid contractual maturities — so results reflect how the balance sheet actually behaves.
Core Capabilities:
- Structural & Dynamic Liquidity Gap Statements (ASL / ALM-1 formats)
- Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) computation
- Interest Rate Risk in the Banking Book (IRRBB): repricing gap, duration gap, EVE and NII sensitivity
- Standard and custom rate-shock scenarios (parallel up/down, steepener, flattener)
- Configurable behavioral assumptions — prepayment, rollover, non-maturity deposit runoff
- Regulatory templates aligned to RBI / Basel disclosure formats
- Integration-ready (APIs, Excel upload, Core Banking connectors)
"Managing liquidity and interest rate risk shouldn't mean choosing between speed and rigor. ALM should be as configurable and auditable as any other core risk function."
— CEO, UVenturz
Identify, Measure & Manage Balance Sheet Risk
Our ALM solution is designed not just to meet regulatory expectations — but to proactively identify, quantify, and manage liquidity and interest rate risk across the balance sheet.
Key Benefits
Configurable Assumptions
Behavioral runoff, prepayment, and rate-shock parameters — tuned per product, no code changes
Regulatory-Ready Reporting
LCR, NSFR, and IRRBB reports mapped directly to disclosure formats
Scenario & Sensitivity Analysis
Run multiple rate and liquidity stress scenarios side by side
Auditability & Automation
Every run is versioned, traceable, and repeatable for ALCO and regulators
Why Choose Us?
Built for the BFSI sector: Deep ALM domain knowledge, tailored features, and configurable for various regulatory jurisdictions
Scalable: Suitable for mid-size and large institutions, from early adopters to mature ALCO functions
Shared infrastructure, faster deployment: Built on the same Nova platform as our Stress Testing solution — faster onboarding if you already use UVenturz
Compelling alternative: A cost-effective alternative to legacy ALM systems and Excel-based gap statements