It allows assessment, measurement and management of the risks attached to the balance sheets of banks with various tools and models, considering the targeted profitability rates and liquidity. The Asset & Liability Management (ALM) Module with global models blended with the needs of local banks and a superior data integration infrastructure;

• It has a flexible infrastructure that allows viewing the periodical balance sheet developments in any desired breakdown with its drill down capability.

• Nearly 100 ratio analyses can be viewed daily. It has a structure that allows performing any calculations daily by integrating with the transactions, cash flow and trial balance data of the bank.

• Within the frame of the profitability goals of banks, it includes management of the foreign exchange risk between the balance sheet asset & liability items, the interest rate risk caused by maturity mismatch and the liquidity risks, and the long term analyses based on big market movements.

• Within the frame of risk appetite modeling, it allows assigning and controlling maturity and product based position limits.

• It can perform balance sheet and P/L based stress tests and scenario analyses.

• With the ratio and balance sheet analyses, the changes in balance sheet items and ratios can be tracked even on a daily basis.

• Static ALM (Gap, Duration, MVE, NII, sensitivite ) analyses can be performed.

• Dynamic ALM (Duration, Dynamic MVE & NII, stress & scenario ) analyses can be performed.

• With its transfer pricing infrastructure, the pricing policy of the bank can be configured.

• Behavioral regression based Core Deposit analyses can be performed.

• With the Replication Key Modeling, analyses for current balance sheet items can be performed.

• Prepayment Analyses allow analyses that include early payment conditions.