ACL Calculator · ALM
ALM that speaks the same language as your allowance
Manage interest-rate and liquidity risk, simulate net interest income and economic value of equity, and connect balance-sheet strategy to the same trusted data that drives your CECL estimate.
What it does
Asset/Liability Management, integrated
Asset/Liability Management (ALM) is how institutions measure and manage the risk that changing interest rates, liquidity needs, and balance-sheet composition pose to earnings and capital. ARCSys brings ALM onto the same platform as your allowance — so the assumptions and forecasts behind CECL also inform your interest-rate risk and capital planning.
Capabilities
Measure, simulate, and plan
Interest-rate risk
Quantify exposure across rate scenarios and shock the balance sheet up and down the curve.
ExploreNet interest income simulation
Project NII under multiple rate paths to understand earnings at risk.
ExploreEconomic Value of Equity
Measure long-term rate risk to capital with EVE sensitivity analysis.
ExploreLiquidity & cash-flow analysis
Model funding, cash flows, and liquidity under base and stressed conditions.
ExploreBudgeting & forecasting
Tie ALM outputs into budgeting and strategic planning with shared assumptions.
ExploreBoard & examiner reporting
Clear, documented reporting aligned with regulatory expectations.
ExploreConnected strategy
From the allowance to the whole balance sheet
ARCSys believes the models developed for the allowance should drive stress testing, capital management, predictive analytics, ALM, and budgeting going forward. ALM closes that loop — one consistent view of risk across the institution.
- ✓Shared data foundation with CECL
- ✓Consistent assumptions across risk domains
- ✓Scenario analysis that informs capital planning
- ✓Hands-on setup and ongoing support
Your Trusted CECL Specialists
Ready to move forward with clarity, confidence, and control?
See why hundreds of banks and credit unions partner with ARCSys. Not just a vendor — an authentic partner, with you at every step.