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Mika Mustakallio
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MORS Treasury, Liquidity Risk Management and ALM Solution

MORS is a complete Treasury, Liquidity Risk Management and ALM (Asset and Liability Management) solution for banks. Depending on bank’s priorities, MORS solution and its modules are packaged to meet the following needs:


Integrated ALM: With MORS Integrated ALM (Asset & Liability Management) approach banks can monitor, manage and report interest rate risk and liquidity risk in one system. 

The Integrated ALM approach includes a dynamic FTP mechanism for pricing and profitability analysis.

By breaking silos, MORS creates an integrated framework for Balance Sheet structuring, steering, planning and optimisation.

Instantly available ALM analytics in MORS are enabled by fully automated data management and in-memory processing.


Holistic Treasury ALM: MORS Holistic approach offers ALM & Treasury Management functions in one system.

MORS Holistic real-time risk solution caters for a wide range of functionalities, such as interest rate risk and liquidity risk management, deal capture, position keeping, deal workflow management and limits management.

Minimising system investments, MORS Holistic Treasury ALM approach increases cost-efficiency and productivity within treasury, balance sheet management and risk functions.


Point Solutions: Banks fulfil specific interest rate risk, liquidity risk and treasury management requirements by using one of MORS modules.

MORS point solutions address areas of IRRBB, LCR, NSFR, FTP, Treasury management and reporting.

MORS meets both internal and regulatory requirements.

MORS point solutions can seamlessly be expanded to an integrated solution by adding other MORS modules.


ALM as a Reporting Service: MORS ALM as a Reporting Service supports banks with an outsourced ALM function. 

The service is a joint venture with IBSM Solutions Inc, operated by experienced ALM practitioners.

The service delivers a complete ALM reporting package on a monthly or weekly basis. 

Expert opinion and decision-making guidance provided in the service complements a bank’s own resources.

The service is a low risk and cost-effective way to implement or advance treasury, interest rate and liquidity risk management frameworks.


View other products from MORS Software

MORS Liquidity Risk Manager

A real-time Liquidity Risk Management System for Banks    MORS Liquidity Risk Manager enables Treasury, Liquidity and Risk Managers to manage, monitor and analyse liquidity in real-time. MORS Liquidity Risk Manager aggregates transactions from existing core and trading solutions, offering a full and transparent picture of the entire bank's current and future liquidity position.   …

MORS Funds Transfer Pricing

A real-time system for dynamic Funds Transfer Pricing (FTP) for Treasury, ALM and Balance Sheet managers in banks.   MORS Funds Transfer Pricing is an efficient steering tool, where FTP levels can be altered dynamically and the effects can be monitored in real-time. It enables banks to create and maintain highly automated and transparent internal …

MORS Treasury Management System

An Integrated Treasury and Risk Management System for Banks    MORS Treasury Management System offers a comprehensive front-to-back treasury management system integrating position keeping, analysis and risk management. The system provides automated and manual deal capture, valuations, limit monitoring, accounting entries, payment transactions, together with flexible risk and P/L reporting.    MORS Treasury Management System …