The whole point of a commercial bank is to make an interest margin. The bank therefore prices 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 report 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. FTP in ALMIS® is highly flexible and is used with the liquidity and market risk modules to build a custom approach to FTP.