EPM for the Banking Industry
Supporting banks in connecting treasury, risk, and finance through integrated EPM solutions that deliver profitability insight and regulatory confidence.
Banking performance is driven by balance sheet structure, interest rates, credit risk, liquidity, and capital. Planning must combine short-term performance management with long-term capital and liquidity stewardship.
Cloudmaven bridges treasury, ALM, risk, and finance into one coherent, driver-based EPM platform.
Advantages for the Banking Industry
Key Challenges
- Disconnect between treasury, risk, and finance models
- Net Interest Margin (NIM) sensitivity to rate scenarios
- Regulatory pressure: IFRS 9, Basel III/IV, ICAAP, ILAAP
- Heavy reliance on Excel for ALM, planning, and reporting
Our Approach
- Connecting treasury, risk, and finance perspectives
- Translating FTP, NII, ECL logic into structured EPM models
- Ensuring transparency across customer, product & channel profitability
- Solutions aligned with IFRS 9, Basel and regulatory reporting
Core KPIs
- Net Interest Income (NII)
- Net Interest Margin (NIM)
- Cost-to-Income Ratio (CIR)
- Capital Adequacy Ratio (CAR)
- Non-Performing Loan Ratio (NPL)