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"Banking Asset Liability Management (BALM) software from Surya Software Systems has excellent features for enabling effective asset-liability management. Axis Bank has opted this software for its ALM function. The services and support extended by Surya Software Systems is prompt and satisfactory"
- Pravat Dash, Vice President, Risk Management, Axis Bank
"We have been using BALM from Surya Software Systems since July 2001. We are very happy with it as a whole and are very satisfied with all its functions. Service and support extended by Surya Software Systems from the time of installation till date has provided a tremendous boost to our ALM initiative for the bank.

We have a Rs. 604 crores deposits base bank with 71 branches spanned across India. We are using all modules of BALM and have achieved significant efficiency levels in all departments with its help. Numerous ALM related reports governed by BALM assists us in more efficient Asset Liability Management. We particularly appreciate untiring after sales support extended by Surya Software Systems and look forward to work with them in future."
- Mr. S.S. Belke, Planning Manager, Ratnakar Bank




Asset Liability Management
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Bank Asset Liability Management (BALM)

Volatile global markets, a changing regulatory environment and an ever increasing number of financial products are forcing banks to focus on keeping liquidity and interest rate risks at acceptable levels.

Asset Liability Management (ALM) involves actively managing assets (primarily loans and investments) and liabilities (mainly deposits) to ensure that they stay balanced over time.

Effective ALM Analytics and Reporting with BALM

Surya Software Systems’ BALM solution offers a comprehensive set of analytical tools to manage assets and liabilities.

BALM comprises two independent modules that address functionally diverse aspects of ALM - Data Collection and Data Analysis. While the data collection module effectively aggregates, validates, and uploads data from various transaction systems in the bank, the data analysis module equips decision-makers with desktop access to ALM tools.

The solution also provides the ALM regulatory reports that need to be submitted to central banks. This includes key analytic and reporting capabilities such as Key Ratio Builder and Analysis, Trend Analysis, Average Balance Report, Mix Report, Comparative Analysis, Customized ALM Report Builder and Investment VaR Report. Additionally, an excellent report writer enables users to define their own reports, at any frequency, to cater to all levels of Management.

BALM is a multi-faceted tool that supports the following risk numbers:


Key Benefits of BALM

  • Multi-faceted solution: Provides a comprehensive set of analytical tools and reports that addresses all ALM related reporting and analysis.
  • Easy definition of products: Rule-based architecture for both metadata and product ensures that even very complex products are defined in a simple way.
  • Scalability: It is scalable at an application level.
  • Flexible reporting: Customized ALM Report Builder provides the flexibility to generate user-customizable pre-defined reports.
  • Option to create and evaluate multiple scenarios: New scenarios can be generated and used for further analyses and reports. This helps evaluate the potential impact on the Balance Sheet from possible changes in the key business drivers.
  • Open interface accommodating any core banking solution: Provides a simple and flexible data interface technique with a well-defined independent interface control module that aggregates, validates, and uploads data from all core transactions systems to BALM's database. BALM has built-in spreadsheets that effectively map data and ensure that all data is collected.