Infosys Finacle, a part of EdgeVerve Systems and a subsidiary of Infosys, has launched its latest Asset Liability Management (ALM) Solution to help banks manage liquidity and interest rate risks effectively. This solution provides banks with an enterprise-wide view of on-and-off balance sheet exposures, enabling them to monitor, assess, and take corrective actions to optimize net interest margins and liquidity management.
The ALM solution comes equipped with advanced data analytics and AI-powered capabilities for better forecasting, cashflow generation, and strategic balance sheet planning. It also offers stress testing and scenario modeling, allowing banks to simulate market shocks and respond proactively. The system integrates with compliance and regulatory frameworks, offering Basel norms-based reports and real-time insights into risk exposure.
Commenting on the launch, Sajit Vijayakumar, Chief Business Officer and Global Head at Infosys Finacle, stated that the solution provides banks with clarity and precision in navigating complex market environments. It enables financial institutions to streamline their ALM processes and strengthen risk modeling and decision-making capabilities.
Jammu and Kashmir Bank, among the early adopters of this solution, highlighted its positive impact on enhancing liquidity and interest rate risk management while improving operational efficiency. The bank expects the solution to help in effective decision-making and resource optimization.
Infosys Finacle continues to innovate with cloud-native, AI, and blockchain-enabled products to support digital transformation initiatives across over 100 countries globally.
