Use cases
What RIALTO changes day to day.
Six situations every ALM and banking risk team knows, and what they become with RIALTO.
Case 01
Query your results in natural language.
SituationEvery question on the results goes through an extract, a pivot table or a request to the team producing the numbers. The answer comes late, often without its context.
With RIALTOThe question is asked in natural language. RIALTO queries the engine's results directly and answers with:
- A quantified answer: ranking, breakdown, change, for the requested date and scope.
- The table or chart: copyable, exportable as PNG, pinnable to a dashboard.
- Provenance: reporting date, entity, calculation status and source data shown.
- Follow-up questions: refine, drill down a level, compare without starting over.
OutcomeThe answer in seconds, with the same numbers as production, available to everyone without queries or extracts.
Modulesall
Which 5 items drive the most EVE sensitivity?
RIALTO · Kernel
EVE sensitivity breakdown · parallel up shift · top 5 contributing items (% of Tier 1):
autres_prets_a_l'habitat: -22.68% of Tier 1credits_a_l'equipements_(prof./agri./coll.): -6.36% of Tier 1titres_achetes: -4.70% of Tier 1centralisation_livret_a/bleu_et_ldd: -4.54% of Tier 1engag._financement_donnes: -3.11% of Tier 1
⌄BREAKDOWN · Ranking · Parallel up shiftCard
TableChartGlobal ▾CopyPNG
Dashboard
autres_prets_a_l'habitat
credits_a_l'equipements_(prof./agri./coll.)
titres_achetes
centralisation_livret_a/bleu_et_ldd
engag._financement_donnes
−24−18−12−60
Illustrative example · fictitious data
Case 02
Explaining a change between two reporting dates.
SituationEVE (economic value of equity) or LCR (liquidity coverage ratio) has moved, the committee is in three days, the explanation is built by hand.
With RIALTOThe EVE bridge or LCR attribution analysis breaks the change down by effect and by item, drill-down goes to the finest granularity, the commentary is produced.
OutcomeDays of work reduced to a few seconds, a defensible explanation.
ModulesIRRBB, LCR, NSFR, GAP
Click an ASF or RSF change to open its drill-down.
EVE bridge · Group (consolidated)
31/12/2025 → 30/06/2026 · EVE +€40.2m (19.9%)
UnitkMMd
Click the rate or volume effect to open its drill-down.
Click an effect to explore it.
Illustrative example · fictitious data
Case 03
Securing regulatory production.
SituationRegulatory metrics are computed in spreadsheets: manual adjustments, checks redone at every reporting date, and traceability that is hard to demonstrate.
With RIALTOData is checked at load. Regulatory metrics and reports are produced from the engine's results, each with its checks and provenance.
OutcomeReports produced in seconds, checked and traceable down to the source data.
ModulesLCR, NSFR, ALMM, IRRBB, Solvency
LCR checks · GROUP · TOTAL6 compliant · 0 non-compliant
Check
Status
Value
Result
Decision tree completeness
Compliant
100.00 %
Complete
LCR ratio ≥ 100%
Compliant
153.79 %
Compliant
Cap consistency · L1 share ≥ 60%
Compliant
88.35 %
Consistent
L2 assets share ≤ 40%
Compliant
11.65 %
Compliant
L2B assets share ≤ 15%
Compliant
7.21 %
Compliant
Inflow cap (75% of net outflows)
Compliant
43.86 %
Not binding
provenance.json
Illustrative example · fictitious data
I want the regulatory report
RIALTO · Kernel
LCR regulatory report · reporting date 2025-12-31
Regulatory reports
⌄GROUPE
All currenciesRapport_reglementaire_LCR_GROUPE_TOTAL_2025-12-31.xlsx
EURRapport_reglementaire_LCR_GROUPE_EUR_2025-12-31.xlsx
USDRapport_reglementaire_LCR_GROUPE_USD_2025-12-31.xlsx
Download all (zip)Illustrative example · fictitious data
Case 04
Stress simulation.
SituationEvery scenario requested by the committee or the supervisor has to be set up, recomputed and documented, often outside the production chain.
With RIALTOTwo ways to stress: configure a scenario in the tool, or describe it directly in the chat. Metrics are recomputed and explained at once, and the scenario is saved and replayable.
OutcomeA stress computed with the same rules as production, available immediately.
Modulesall
Edit a stress
The scenario is saved, not computed. To get the ratio, cite it in conversation: “what is the LCR under the … stress”.
Label
Concentration on a covered bond issuer
1Base
Spot (reporting date, 30 days)Projected
LCR base at the reporting date · full code set, by currency and entity.
2Nature
IdiosyncraticSystemicCombined
Institution-specific shock: counterparty default, rating downgrade, deposit withdrawal.
3Granularity
ScenarioSensitivity
Several items are stressed jointly, on assets and liabilities.
4Stressed items and securities4 items
HQLA
Total HQLA2 stressed items10
Outflows
Total outflows2 stressed items10
Inflows
Total inflowsno stress10
CancelUpdate
Illustrative example · fictitious data
What is the LCR under the
concentration_covered_bonds stress?RIALTO · Kernel
Concentration on a covered bond issuer · idiosyncratic 30-day stress (regulatory), 4 items shockedLCR 153.8 % → 151.7 % (−2.06 pt)all currencies · Group · group view
Stressed securities · by issuerCard↗
TableChartCopyPNG
Item · security
Secs
Shock
Rating
Reclass.
Non-HQLA
Code moves
190 · Covered bond issuer
4
−15 %
A
4
0
190→260 : 4
LCR simulation · before / afterCard↗
TableChartCopyPNG
Concentration on a covered bond issuer · TOTAL · GROUP · GROUP
Scenario
LCR ratio (%)
Current
153.79
Simulated
151.73
Stress · shocked itemsCard↗
TableChartCopyPNG
Concentration on a covered bond issuer · TOTAL · GROUP · GROUP
Item
Section
Code
Shock (%)
Retail deposits
Outflows
30
−2
Non-operational financial deposits
Outflows
230
−5
Withdrawable central bank reserves
HQLA
50
−10
Stress · where the ratio comes fromCard↗
TableChartCopyPNG
Concentration on a covered bond issuer · TOTAL · GROUP · GROUP
Term
Before
After
Liquidity buffer (HQLA)
6 205 485 654
6 056 271 601
Total outflows
7 856 489 743
7 812 919 594
Inflows retained
3 821 471 816
3 821 471 816
Net outflows
4 035 017 927
3 991 447 778
LCR ratio
153.79 %
151.73 %
Illustrative example · fictitious data
Case 05
Reverse stress and remediation.
SituationA stress test measures the impact of a given scenario. Reverse stress testing asks the opposite question: at what shock intensity is the limit breached, and which balance-sheet adjustments bring it back in line?
With RIALTOThe user sets the target threshold (e.g. LCR at 90%) and the items they can act on. RIALTO determines the solution precisely and reproducibly:
- Breaking point: the shock intensity the balance sheet can absorb before breaching the limit.
- Quantified remediation plan: which items to adjust, in which direction and by how much.
- Targeted effort: the correction focuses first on the most effective items.
- Consistent and traceable: the calculation applies the same rules as the regulatory calculation.
OutcomeA precise, reproducible and traceable action plan, ready for the committee.
ModulesGAP, LCR, NSFR, Solvency
Reverse stress
Set a target LCR and the items that may move: the calculation gives the shock required per item.
Target LCR (%)
90
Max shock (%)
50
HQLA3 chosen items
Outflows2 chosen items
Inflows1 chosen item
Target met
Target ratio 90.00% met (89.99%).
Item
Shock
Amount
HQLA · 3 items
−27,00 %
−1 324,6 M€
Outflows · 2 items
+2,29 %
+44,6 M€
Inflows · 1 item
−28,17 %
−2 025,3 M€
ⓘ How was this figure found?
CloseSolve
Illustrative example · fictitious data
Target metGAP survival horizon · cumulative target · central scenario · 159 evaluations
Configuration H0
0.6 months
Target T
12.0 months
Achieved
12.0 months
Gap
−0.03 d
Remediation grid · 12.0-month horizon (9M-1Y bucket)
GAP after remediationConfiguration GAP
Item
M0-M1
1M-3M
3M-6M
6M-9M
9M-1Y
4 chosen items
fixed
fixed
–
–
–
3 items to adjust
→ proposed
→ proposed
→ proposed
→ proposed
→ proposed
ⓘ How was this figure found?
Illustrative example · fictitious data
Case 06
Preparing the ALM committee with a custom report.
SituationFor the ALCO pack: days of preparation, copy-pasting between tools, and figures that no longer always match the engine's.
With RIALTOYour report, your way, at every committee.
A fully customisable report
- A catalogue of ready-to-use templates: start from an existing template or a blank page.
- You choose everything: analyses, their order, currencies, entities, level of detail.
- Your own layout: tabs, block sizes, chart types, colours.
- Your templates saved and shared with your team, replayed in one click at every reporting date.
Configured by AI, in natural language
- One sentence is enough: “Prepare the LCR report for the March committee: the ratio by currency, the main contributors and the change since December.”
- The assistant proposes the selection, order and layout, with its suggestions.
- You adjust in conversation: “Add the Belgian subsidiary and put one tab per currency.”
- You validate before generation.
OutcomeA presentation-ready Excel workbook, generated in a few clicks instead of several days, with every figure traced back to the calculation.
Modulesall
Custom LCR report
Build your report: choose the analyses, the scope, the layout.
TemplateALCO (v6)ALCOSaveReset
Data sourceCompositionLayoutTemplates
Search…
A · Regulatory summary
Cover page
Dashboard
Ratio composition
Items and codes
Total HQLA
Total outflows
Total inflows
Anything unticked is grouped as “Other” under its parent: the total does not change.
B · Composition
HQLA buffer quality
Items and codes
Total HQLA
Anything unticked is grouped as “Other” under its parent: the total does not change.
Main HQLA securitiesadded
Outflows and inflows
Items and codes
Total outflows
+6 more sectionsC · D · E · F · G · H
AI assistantlinked to the report
Add the Main HQLA securities sheet.
I suggest adding it to section B · Composition, right after buffer quality.
Proposed change
+B · 5.Main HQLA securities
DismissApprove
Approved · the sheet is added to the report
Ask for a change…
CloseGenerate the report
Illustrative example · fictitious data
Who it is for
Three functions, one platform.
ALM department
Analyse, steer and decide, without the production burden.
Risk management
Defend capital and liquidity with reliable assessments.
Finance
Effectively steer the bank's profitability and liquidity.
See RIALTO reason over your numbers.
We simulate a full analysis with your data types and the scenario of your choice.