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MARGIN MANAGEMENT & FTP

The whole point of a bank is to make an interest margin and therefore price its loans and funding appropriately and this is where our Margin Management and FTP module fits in. The starting point is our acclaimed balance sheet and margin report.

This details at multi-levels balances and the daily margin. It gives the composition of how the interest margin is being earned, line by line with the conventional balance sheet.

Users can use this to build their own margin management analysis and reporting but ALMIS also has a dedicated margin variance analysis tool based on our own methodology for calculating rate, mix and volume variance.

Last but not least FTP – in ALMIS this is highly flexible and is used with the liquidity and market risk modules to build a custom approach to FTP. Please see our white paper that looks at an approach to FTP for suited to smaller simpler firms than it is to large complex banking institutions.