Valodata stands by the slogan “One bank, One ALM solution”. Because each bank has its own risk appetite and constraints, an effective ALM framework should be tailor-made and adapted.

As per Valodata’s philosophy, our software development team has designed a flexible, evolutive and easy-to-use software to meet your unique requirements. The Valodata ALM application is the perfect partner to optimise your balance sheet.

You will have at your disposal a powerful calculation engine capable of performing stress tests on your portfolio and generating cash flows for a wide range of instruments.

Asset Liability Management, a genuine source of return

Strategic Planning: Pave the road for greatly improved profitability

The digital revolution and the emergence of new industry players have reshaped the banking landscape.

In such a competitive environment, banks need to maintain a stringent control on their balance sheet. Hence, a thorough ALM process has become a necessity to achieve greater profitability. An efficient ALM policy relies mainly on a prospective approach that gathers many factors, including client behaviour modelling, budgetary planning and operational liquidity management.

Managing model risk has never been more relevant. Nowadays, models are the responses to a wide range of banking challenges such as regulatory capital computation, stress testing simulations, liquidity management and marketing analytics.

The omnipresence of models exposes institutions to greater model risk and possible operational losses. An efficient MRM function streamlines and optimises the methods of validation, change, authorisation, review and versioning.

Valodata has created an integrated solution to unlock the added value of your models. Valodata MRM has been designed to help and support you in meeting the requirements of the TRIM project currently imposed by the European Central Bank. To cover the complete life cycles of models, Valodata MRM manages:

• Model documentation

• Model “versioning”
• Validation and periodic review system
• Communication between the different stakeholders
• Reporting and Monitoring Dashboards.

Model Risk Management, a function in its own right

Improve your MRM framework:

Add a strategic dimension

using Valodata MRM