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2026-02-17
IFRS 9 and Expected Credit Loss: Moving Credit Risk from Compliance to Core StrategyIn an increasingly volatile economic environment, credit risk management must go beyond regulatory box-ticking. IFRS 9 and the Expected Credit Loss (ECL) framework are shifting the focus from backward-looking reporting to forward-thinking risk insight. By leveraging predictive data and behavioral analysis, organizations can anticipate potential losses earlier, improve provisioning accuracy, and align risk decisions with broader business strategy-turning compliance into a catalyst for resilience and competitive advantage.Read more
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2025-12-06
Virtualization in Data GridsWhen an application needs to display thousands of records, traditional data grids quickly hit a wall. Rendering 10,000 rows with 10 columns implies creating 100,000 DOM elements — a recipe for browser crashes and frustrated users.

Enter Virtualization, the technique that transforms sluggish data grids into lightning-fast experiences.
Read more
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2025-08-18
From Bottleneck to Breakthrough: Engineering 8x Faster Data ProcessingLarge file processing can be a daunting task, often leading to bottlenecks in computation, memory, or I/O. This post outlines a structured approach to solving these challenges, moving from naive methods to an elegant, high-performance solution that leverages concurrent programming principles.Read more
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2025-12-03
Surya FinTech Customer Confluence 2025Celebrating 25 Years of Trust, Innovation & Treasury Excellence!Read more
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2024-08-05
Leveraging Statistical Modeling for Historical Data: The Power of Behavioral AnalysisIn the dynamic world of financial management, understanding the behavior of various financial products is essential for effective asset and liability management (ALM). As financial institutions navigate complex market conditions, having a robust analytical framework to predict and manage risks becomes paramount. Enter the Behavioral Analysis (BA) module—a sophisticated tool designed to conduct behavioral analysis of term and non-term products, using historical data to apply the right assumptions for ALM modeling.Read more
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2024-08-05
Enhancing Operational Efficiency through the Operational Risk ModuleIn today's rapidly evolving financial landscape, operational efficiency is a key determinant of success for any organization. Efficient operations not only drive profitability but also bolster an organization's ability to adapt to market changes, regulatory demands, and unexpected disruptions. One of the most effective tools in achieving and maintaining this efficiency is Surya's Ops Risk ModuleRead more
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What People say?
““
“Indo Zambia Bank is proud to mention that we are the first Bank in Zambia, to have implemented ALM to manage our balance sheets with the help of Surya’s BALM tool. The entire product cycle from sale to customization, development and Implementation was done within 6 months to take care of our immediate needs. Along with their BALM product, we went ahead to use other reporting products like FTP, Prudential, RCSA, Register incident, BASEL II etc due to their stupendous tech and efficiency of their tools. The team from Surya has been accommodative and reactive to our changes and went along with us to deploy solutions in a time-bound manner.”
””
Harikrishna Bommareddy
CFO
““
At NBS Bank we decided to engage the services of Surya Software Systems for their Bank Balance Sheet/Assets and Liabilities management system and we are happy to share that it was a great decision. We utilize their solution to assist us on optimizing balance sheet strategies with the enhancement of information as their system produces versatile and timely reports suitable for our departmental needs. Having this system enables us to focus on strategic and regulatory balance sheet management knowing that all the assets and liabilities management reports are automated and accessible through their application.
Our experience in working with Surya has been very positive and we would highly recommend them as they are able to accommodate all client needs without compromising their service standards.
””
Neema Kitta Mojoo
Manager – Asset & Liability Management
““
In 2014, Doha Bank decided to move to a structured ALM solution and decided to implement Surya BALM. In addition, it was decided to procure a FTP system to meet the profitability measurement requirements. These systems were implemented successfully within in a short span of time in Qatar, Kuwait & UAE. A consolidator that aggregates ALM positions at the head office has also been implemented.
Surya has helped to significantly reduce the end of day processing time to under 45 minutes. Besides the central bank reporting, BALM has helped the bank produce Basel III liquidity reports. We are happy to have partnered with Surya, support from them has been reassuring.
””
Gaurav Dhingra
Head of Financial Risk
““
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.
””
Henri MABILLE
CIO
““
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
””
Pravat Dash
SVP & Head (Market Risk)
““
“Indo Zambia Bank is proud to mention that we are the first Bank in Zambia, to have implemented ALM to manage our balance sheets with the help of Surya’s BALM tool. The entire product cycle from sale to customization, development and Implementation was done within 6 months to take care of our immediate needs. Along with their BALM product, we went ahead to use other reporting products like FTP, Prudential, RCSA, Register incident, BASEL II etc due to their stupendous tech and efficiency of their tools. The team from Surya has been accommodative and reactive to our changes and went along with us to deploy solutions in a time-bound manner.”
””
Harikrishna Bommareddy
CFO
““
At NBS Bank we decided to engage the services of Surya Software Systems for their Bank Balance Sheet/Assets and Liabilities management system and we are happy to share that it was a great decision. We utilize their solution to assist us on optimizing balance sheet strategies with the enhancement of information as their system produces versatile and timely reports suitable for our departmental needs. Having this system enables us to focus on strategic and regulatory balance sheet management knowing that all the assets and liabilities management reports are automated and accessible through their application.
Our experience in working with Surya has been very positive and we would highly recommend them as they are able to accommodate all client needs without compromising their service standards.
””
Neema Kitta Mojoo
Manager – Asset & Liability Management
““
In 2014, Doha Bank decided to move to a structured ALM solution and decided to implement Surya BALM. In addition, it was decided to procure a FTP system to meet the profitability measurement requirements. These systems were implemented successfully within in a short span of time in Qatar, Kuwait & UAE. A consolidator that aggregates ALM positions at the head office has also been implemented.
Surya has helped to significantly reduce the end of day processing time to under 45 minutes. Besides the central bank reporting, BALM has helped the bank produce Basel III liquidity reports. We are happy to have partnered with Surya, support from them has been reassuring.
””
Gaurav Dhingra
Head of Financial Risk
““
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.
””
Henri MABILLE
CIO
““
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
””
Pravat Dash
SVP & Head (Market Risk)
““
“Indo Zambia Bank is proud to mention that we are the first Bank in Zambia, to have implemented ALM to manage our balance sheets with the help of Surya’s BALM tool. The entire product cycle from sale to customization, development and Implementation was done within 6 months to take care of our immediate needs. Along with their BALM product, we went ahead to use other reporting products like FTP, Prudential, RCSA, Register incident, BASEL II etc due to their stupendous tech and efficiency of their tools. The team from Surya has been accommodative and reactive to our changes and went along with us to deploy solutions in a time-bound manner.”
””
Harikrishna Bommareddy
CFO
““
At NBS Bank we decided to engage the services of Surya Software Systems for their Bank Balance Sheet/Assets and Liabilities management system and we are happy to share that it was a great decision. We utilize their solution to assist us on optimizing balance sheet strategies with the enhancement of information as their system produces versatile and timely reports suitable for our departmental needs. Having this system enables us to focus on strategic and regulatory balance sheet management knowing that all the assets and liabilities management reports are automated and accessible through their application.
Our experience in working with Surya has been very positive and we would highly recommend them as they are able to accommodate all client needs without compromising their service standards.
””
Neema Kitta Mojoo
Manager – Asset & Liability Management
““
In 2014, Doha Bank decided to move to a structured ALM solution and decided to implement Surya BALM. In addition, it was decided to procure a FTP system to meet the profitability measurement requirements. These systems were implemented successfully within in a short span of time in Qatar, Kuwait & UAE. A consolidator that aggregates ALM positions at the head office has also been implemented.
Surya has helped to significantly reduce the end of day processing time to under 45 minutes. Besides the central bank reporting, BALM has helped the bank produce Basel III liquidity reports. We are happy to have partnered with Surya, support from them has been reassuring.
””
Gaurav Dhingra
Head of Financial Risk
““
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.
””
Henri MABILLE
CIO
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