§ III
Our ALM platform
runs in your data centre
CURATE
Flows.
FLOWS is the ALM platform we built for banks. One place for liquidity, interest-rate risk, stress testing, and the reports the regulator wants — instead of fifteen spreadsheets and a folder called "final_v8".
What you get
One engine. One audit trail. Numbers your ALCO can defend.
What FLOWS does
№ 01
Interest-rate risk
Repricing gaps, EaR, EVE sensitivity, parallel and non-parallel scenarios.
№ 02
Liquidity risk
LCR, NSFR, LAR — daily, weekly, ad-hoc — with stress overlays.
№ 03
Balance sheet
Position concentrations, behavioural NMD, funding mix.
№ 04
Stress testing
Run-on-deposits, deposit concentration, market-wide funding stress, systemic crisis.
№ 05
Dashboards
KPI tiles for ALCO. Thresholds, traffic-light status, drill-down to the cell.
№ 06
Regulatory reports
ICAAP and ILAAP returns in the format your regulator asks for.
How it works
01
Bring your model
Upload your existing Excel risk model. We parse it once, keeping every formula and dependency. Nothing is rewritten.
02
Add the period data
Each reporting period, your analysts upload the inputs — balances, rates, segments. The engine recomputes the whole formula graph.
03
Get the numbers out
Computed cells become KPIs, ALCO dashboards, and the regulator return. Every input, formula, and result is logged.
How banks run it
On-premise, by default.
Your data does not leave your data centre.
HOSTING
Runs inside the bank — on-premise or in your private cloud. Risk data does not leave the building.
IDENTITY
SSO through your identity provider. Role-based access mapped to three lines of defence.
AUDIT
Every input change, every recompute, every export — logged and signed. Internal audit and the regulator can both see the trail.
ONBOARDING
Six to ten weeks: bring your workbook in, run it in parallel, sign it off, hand it to your analysts.
See it on
your own model.
We run the walkthrough using your workbook, under NDA. The first half-hour usually tells both sides whether it is a fit.