Balance Sheet Management Simulation Tool
From ALM training to live balance‑sheet strategy simulation
A practical training platform for balance sheet management, from foundational to advanced levels. It helps Treasury, Risk, Finance, ALCO, Internal Audit and senior management see how repricing behaviour, rate shocks, funding strategy and management actions affect earnings, economic value and risk appetite. Beyond training, it also acts as a simulation layer for scenario testing and management optimisation.
Scenario controls, risk‑appetite thresholds and signed EVE/NII impacts brought together in one management view.
Preview of the tool in development. Figures shown are illustrative.
What users can simulate
Explore the full range of drivers behind balance‑sheet risk and return.
Interest‑rate shocks and yield‑curve scenarios
EVE and NII sensitivity
Repricing gaps across detailed time buckets
Product‑level contribution to ALM risk
NMD behaviour, deposit beta and core balance assumptions
Mortgage prepayment and time‑deposit early‑withdrawal behaviour
Funding‑tenor changes, balance‑sheet growth and de‑risking actions
Hedge overlays and management response strategies
Risk‑appetite status and ALCO decision implications
Why it matters
Effective balance sheet management requires more than reporting numbers. Banks need to understand the drivers behind the numbers, test alternative actions, and explain the trade‑offs between income, value, liquidity, funding cost and regulatory expectations. The Betterbankings tool helps banks:
Designed for progressive ALM learning
One tool that grows with the participant, from core mechanics to strategic optimisation.
Foundation
Understand repricing gaps, interest‑rate shocks, EVE, NII and basic ALM trade‑offs.
Intermediate
Analyse behavioural assumptions, scenario design, product contribution and ALCO interpretation.
Advanced
Simulate management actions, optimise balance‑sheet strategy, challenge assumptions and assess risk‑return trade‑offs.
Make balance sheet management visible, explainable and actionable.
Because the simulation is structured around realistic balance‑sheet behaviour and management choices, it can support banks well beyond training. It provides a practical layer for testing balance‑sheet strategies, comparing alternative actions, and preparing clearer ALCO or senior‑management briefings.
Bring balance sheet management into the room
Talk to us about a guided session for Treasury, Risk, Finance or ALCO, or about using the simulation for scenario testing and management briefings.