MAT is a new generation ALM tool that leans on state-of-the-art technologies with the goal of evolving the balance sheet management to a new paradigm. MAT is not just a calculation engine, it englobes the three components of a traditional architecture –data loading, calculation engine and advanced reporting– allowing the user to devote more time in analyzing the data instead of its generation.
On the other hand, MAT is not just a management tool; it has been developed to cover both the management and regulatory requirements for interest rate risk and liquidity risk. Due to the technologies involved, MAT can perfectly load and compute the data at the contract level. It incorporates an advanced set of dynamic reports ready for use as Repricing Gap, Sensitivity Analysis for NII and MVE, Survival Horizon and Liquidity Gap, LCR and NSFR, among others. In addition to this, the MAT interface has been designed by a specialized design studio that has analyzed in depth the best ways to interact with an ALM system.
MAT offers some innovative functionalities such as ALCO simulations and self-calibrated new business models for dynamic balance sheets. Moreover, MAT is multiplatform: all reports are available on mobile devices.