Pricing & ALM as a Service
Pricing & ALM as a Service
Protect Yield, Not Overhead
An ALM System that Guarantees Upto 10% Revenue Growth Without the Premium Price Tag
integrations
What Our Clients Say
"BBA FinTech's integrated platform is a generational leap from the fragmented ALM systems we were used to. The ability to unify IRRBB, liquidity, and ICAAP in one place, at a cost that was a fraction of what other vendors quoted, has transformed our approach to balance sheet management management."
- Ahmad Safarov
Head of ALM
"BBA FinTech's multi-agent pricing model drove measurable value for nearly 70% of our client base — proving its effectiveness even with hard-to-reach segments like new customers and previously inactive clients."
- Peter Blazai
Head of Credit Risk
"The integration of pricing, risk, and capital management gave our board the confidence to make faster, more informed decisions."
- VSM Raju
Chief Financial Officer
core features
Mandatory to manage balance sheet.
Multi-agent Dynamic Pricing
🚀Boost loan conversion rates by up to 10% without eroding margins. Our AI-native multi-agent system orchestrates three intelligent agents to deliver the optimal price for every customer — delivered natively inside your CRM workflow.
📊 PBI Dashboard Included
On-demand features
Essential but not mandatory to run ALM.
IFRS 9 Impairment
🚩 Manual, siloed impairment processes delay financial close and expose your institution to audit and regulatory scrutiny.
📊 PBI Dashboard Included
Credit Unexpected Loss & Scenario-Based Stress Testing
📉 Traditional credit risk models fail to capture portfolio concentration and systemic risk correlations — a regulatory requirement under Basel III/IV — leaving your capital buffers exposed to unexpected losses.
📊 PBI Dashboard Included
Risk-based Capitalization & ICAAP
🏦 Fragmented risk models and manual RWA calculations create inefficiencies and blind spots — leaving your ICAAP submissions vulnerable to regulatory challenge.
📊 PBI Dashboard Included
ALM Advisory as a Service
Use case 1
Transforming ALM from a manual process into a strategic balance-sheet capability.
business value
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Automated data ingestion and validation
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Advanced ALM modelling and scenario analysis
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Faster, more reliable management and ALCO reporting
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Improved visibility into interest-rate and balance-sheet risk
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Stronger collaboration across Treasury, Finance and Risk
Business imperative
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Replace manual, error-prone Excel-based ALM processes
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Establish an automated and integrated ALM operating model
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Connect ALM metrics and limits with the risk appetite framework
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Strengthen interest-rate and balance-sheet risk management
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Improve collaboration across Treasury, Finance, Risk and executive management
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Establish a structured, forward-looking ALCO agenda and governance process
Use case 2
Validation as a Service
Independent assurance over vendor ALM models and IRRBB measurement
business value
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Validated EaR, EVAR and interest-rate shock calculations
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Identified aggressive assumptions and calculation errors
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Delivered targeted recommendations for model improvement
Business imperative
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Address uncertainty in IRRBB capital-allocation methodology
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Reduce inconsistent application and potential regulatory arbitrage
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Strengthen model accuracy, governance and regulatory confidence
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Collaboration
