Canadian Asset/Liability Management System (CALMS)
BiLd Solutions Inc. is pleased to present CALMS – the Canadian Asset/Liability Management System – a software program to help you manage your credit union’s interest rate risk.
Product Philosophy:
CALMS will bring interest rate risk management in-house at a reasonable price. Interest rate risk is a complicated subject, but with a little training and good software anyone should be able to manage a credit union’s interest rate risk.
Product Capabilities:
CALMS can accurately and quickly calculate your interest rate risk including:
1. Gap Analysis
2. Economic Value Analysis
Competetive Advantages:
CALMS can accurately and quickly calculate your interest rate risk including:
1. Fast, accurate and dependable.
2. No limit on number of runs, scenarios, analyses. Support is just an email or phone call away.
3. Can be customized for your specific circumstances.
4. Matching is based on cashflows not principal amounts, giving accurate results.
5. Core deposit calculations are automated and built-in and can be adjusted monthly.
6. You only need to input your data once to obtain both interest rate risk measures – Earnings at Risk (EAR)and Economic Value at Risk (EVR).
7. The EVR component will help you manage the interest rate risk of the long items on your balance sheet.
8. Accurately hedge your interest rate risk using your own credit union products - mortgages,
fixed loans, term deposits...
Product Features:
CALMS is internet based which means:
- You can do your analysis and print reports anywhere there is a connection to the internet
- There is no installation on your computer. You do not need to download anything. Everything is handled seamlessly behind the scenes. All you need is a computer with internet explorer.
- More than one user can log-in at a time, so you can talk through an analysis and make adjustments. Alternatively you can keep the current month up and look what you did last month.
View the interest rate risk reports here