Observed arrival · 2026-09-09

X-ALM Projects a Bank’s Balance Sheet Contract by Contract

x-alm.com Observed source

Editorial interest 78/100 Selection signal · not a rating of the site

X-ALM is a French asset-liability management tool that projects bank and insurer balance sheets across interest-rate and liquidity scenarios.

Landing page captured for the 2026-09-09 issue.

Field notes

The page describes a local Windows application that converts a reporting-date portfolio into monthly balances, cash flows, and risk measures across rate and liquidity scenarios. Its stated coverage includes 35-plus product families—among them loans, regulated savings, deposits, securities, swaps, and options—and 40 indicators such as rate gaps, net interest margin, EVE, LCR, and NSFR. The homepage claims a 2.9-million-contract, three-scenario run over 300 months takes 15 minutes on a laptop, with results checked against a reference model.

Observed signals

Read the marks

Editorial observations of this landing page, not a rating.

○OpenPublic substance visible

✦PrettyNotable craft visible

●ProPolished or operationally mature

◎NicheUnusually specific use

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