overview
Volatile global markets, changing regulations, and an ever-increasing number of financial products are necessitating a laser like focus on controlling liquidity and interest rate risks. In this environment, banks must manage all risks effectively, model customer behavior and strategy, and simulate a wide range of other economic variables.
Surya offers a Bank Asset and Liability Management (BALM) solution that enables banks to effectively measure and manage liquidity risk, interest rate risk and forex risk. Through a comprehensive set of analytical tools and reports, BALM performs multi-dimensional balance sheet analysis producing trends and forecasting ratios, and stress tests to optimize decision making.
features at a glance
liquidity risk
graphical and tolerance analyses, cost to close, short-term dynamics, and Basel III ratios.
interest rate
sensitivity, tolerance, duration, market value, and comparative analyses.
forex risk
impact analysis, multi-currency and translation risk reports.
scenario generation & analysis
including rollover prepayment, forwards, contingency planning, and Monte Carlo simulation.
Behavioral Analysis
of maturity and non-maturity products
financial analytics
on key ratios, trends and comparisons, as well as regulatory and custom reports
Alco support
such as report distribution, meeting organization, and documentation.
BALM HELPS BANKS TO
Simplify definition of even the most complex products
Evaluate the potential impact of changes on the balance sheet and overall business operations
Improve the quality and efficiency of reporting
Scale to enterprise ALM requirements
Enhance efficiency through integration with vendor and proprietary transaction processing systems
Generate Basel III Liquidity risk consisting liquidity coverage ratio, net stable funding ratio, leverage ratios and liquidity stress tests
CASE STUDIES
Implementation of BALM at Doha Bank
Incorporated in 1978, Doha Bank is one of the largest commercial banks in the State of Qatar. Doha Bank serves individuals, corporate and institutional clients across Qatar and internationally. The Bank has total asset of USD 20.36 billion with its loan portfolio of USD 13.96 billion and deposit …
Read MoreWHAT PEOPLE SAY
“We asked to develop the V1 of our mobile application and we are more than satisfied with the result. As a young start-up, we had a limited budget, but that did not prevent us from producing a real qualitative first version. The team is attentive, available and super responsive. I sincerely recommend them. ”
“We had the chance to work with Surya Digital to create Lejit’s first MVP. As such, we were able to be supported by an available, competent, and attentive team. A fruitful collaboration that will potentially continue in the context of a V1. ”
“We are delighted with our collaboration with our partner Surya Digital. Their professionalism and responsiveness are major qualities that we highly appreciate “
“We have been working with Surya since August 2018 with success. They support us by providing skilled IT resources and we work from France, Lyon, with efficiency due to the appropriate organization put in place. Surya is also able to provide strong technical support on specific subjects if necessary.”
I have been working with Surya Software for 15 years. There were several projects for various companies as different as Street lighting control systems or Watch Retail. The capacity of Surya to understand properly the issues related to specific businesses, to answer quickly to complex proposals, and to deliver on time appropriate developments, have given satisfactory and confidence to the end-users vis-à-vis Surya.
Regarding the maintenance of the implemented systems, Surya fulfills its engagements with great professionalism.
Nevertheless, all the above mentioned performances could not have happened without settling tight relationship between Surya’s teams and the customer’s ones.
This is the key of success that Surya is aware of.
Surya-soft’s BALM software provides Axis Bank with a Bank-wide asset liability management system capable of handling granular ALM data for both its domestic as well as overseas operations on a daily basis as well as consolidate liquidity positions using BALM consolidator. It offers the Bank an enhanced platform to meet its liquidity and interest rate risk monitoring and analytics requirements in addition to meeting regulatory and internal reporting needs.