What is ALM First On-Demand?

ALM First On-Demand lets you analyze "what-if" scenarios instantly via an online 24/7 web application (no special software needed). This service combines the complexity of ALM First’s modeling assumptions with the ease of a Web browser that is tailored to suit your individual needs.

Benefits of ALM First On-Demand

ALM First On-Demand provides a quick analysis of how changing assets, liabilities, and coupon rates affect interest-rate risk, projected net income, ROA, and economic value. Key components include portal access and unlimited scenario testing.

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With the ability to change the composition of the balance sheet as well as coupon rates, you can instantly see the changes in income and economic value. This feature gives you a quick and general sense of the incremental risk versus earnings of balance sheet changes.

  • Constant Access
    Available 24/7 and accessible by any member of the depository team with portal access
  • Quick Analyses
    Results calculated within seconds to give a projection of the impact to ROA, net interest income, and the percent change of economic value
  • Unlimited Scenarios
    Run as many scenarios as desired – simply input the values for a scenario, view results, and then clear inputs to begin a new scenario

ALM First On-Demand FAQs

What software is required for ALM First On-Demand?

No special software is required for ALM First On-Demand. It is a web-based application available 24/7 and is accessible from any device with Internet access.

How is ALM First On-Demand accessed?

Once logged on to the portal through ALM First’s website, click Applications at the top of the page and select ALM First On-Demand.

How often are ALM results updated?

The most recent ALM results are loaded into ALM First On-Demand after each ALM Report.

How accurate are results from ALM First On-Demand?

ALM First On-Demand is intended to provide a quick analysis of how changing assets, liabilities, and coupon rates affect interest-rate risk. Results provide an estimate of risk position and projected net income given the change. For any significant strategic decision which has a major impact to the balance sheet or which significantly changes the risk profile as seen through ALM First On-Demand analysis, a full “what-if” scenario can be run by the ALM First team in order to provide a complete “what-if” packet for the institution. Contact the ALM First team for more information.