What RIALTO changes for your teams.
A new technology, breaking with legacy solutions and Excel spreadsheets: it automates ALM analysis, industrialises ALM and banking risk chains and reduces operational risk.
Time freed up, finer analyses, industrialised chains.
Time savings for the teams, better risk steering and control of operational risk.
Days of analysis in seconds
×1,000: production, reporting, analysis and simulation, days reduced to a few seconds, once the data is loaded and validated. Less manual preparation, more time for decisions.
Better-explained results
Break down changes, identify contributors and prepare structured commentary for committees.
Industrialised chains, reduced operational risk
ALM and risk chains are industrialised: reproducible calculations, tracked assumptions, built-in controls. Fewer errors, reworks and manual processing: operational risk goes down.
Quality, explainable figures
Clear information for executive management: understand changes and their causes in order to decide.
Better-supported exchanges
Documented, consistent answers to the supervisor, linked to calculations, assumptions and analyses.
Expertise that stays
Business reasoning accumulates with use, like compound interest: each codified routine enriches an analytical asset shared across teams.
Better defend the ICAAP and ILAAP.
Granularity, credibility, intelligibility and comparability of calculations. RIALTO makes it easier to break down results, make assumptions explicit and compare scenarios, capabilities that help substantiate the reliability of calculations in the supervisory dialogue. RIALTO feeds the components of both internal assessments: capital for the ICAAP (internal capital adequacy assessment process), liquidity for the ILAAP (internal liquidity adequacy assessment process). Source: EBA revised SREP (supervisory review and evaluation process) guidelines (EBA/GL/2026/06), §302–309, applicable from 1 January 2027. The reliability of internal assessments is a matter for the supervisor's judgement.
What each approach brings.
RIALTO combines calculation production, ALM domain depth and reasoning automation in a banking platform.
| Criterion | Legacy solutions | External support | General-purpose AI | RIALTO Kernel |
|---|---|---|---|---|
| Positioning | Calculation production | Expertise on assignment | Generic automation | Calculation production, domain depth and automated reasoning |
| Auditable deterministic calculation | Production engines | Calculations delivered on assignment | Text generation, without a calculation engine | Yes, per domain |
| Automated analysis and commentary | Manual analysis, carried out by the teams | Manual analysis, on assignment | Generic commentary, without a domain engine | Yes, industrialised and replayable |
| Multi-domain orchestration | Separate engines per domain | Manual coordination | Generic orchestration, without ALM engines | Yes, native and agentic |
| Domain conversational interface | – | – | Generic conversation | Yes, specialised and traced |
| Supervisory traceability | Calculation traceability | Documentation per deliverable | Conversation history | Yes: data, assumptions, calculations and outputs |
| Capitalisation of expertise | – | – | – | Yes, encoded and versioned |
| Local deployment and sovereign AI | – | – | Depends on the offer | Yes, local AI, no data sent to any external AI provider |
| Industrialisation and operational risk | Industrialised calculations, manual analysis and reporting | Work carried out on assignment | Ad hoc use, outside the production chain | ALM and risk chain industrialised end to end, reduced operational risk |
| Cost for the bank | Licence and integration | Recurring person-days | Usage and business integration | Modular licence, economical given the gains for the bank |
· : criterion not applicable to this approach.
See RIALTO reason over your numbers.
We simulate a full analysis with your data types and the scenario of your choice.