{"id":279423,"date":"2026-05-04T17:30:46","date_gmt":"2026-05-04T15:30:46","guid":{"rendered":"https:\/\/omote-advisory.com\/?page_id=279423"},"modified":"2026-06-02T17:09:41","modified_gmt":"2026-06-02T15:09:41","slug":"alm","status":"publish","type":"page","link":"https:\/\/omote-advisory.com\/en\/alm\/","title":{"rendered":"ALM"},"content":{"rendered":"

[et_pb_section fb_built=\u00a0\u00bb1″ fullwidth=\u00a0\u00bbon\u00a0\u00bb _builder_version=\u00a0\u00bb4.24.2″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_fullwidth_header title=\u00a0\u00bbALM\u00a0\u00bb text_orientation=\u00a0\u00bbright\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.6″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb title_font=\u00a0\u00bbLora|600|||||||\u00a0\u00bb title_font_size=\u00a0\u00bb48px\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb use_background_color_gradient=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_stops=\u00a0\u00bbrgba(0,0,0,0.5) 0%|rgba(0,0,0,0.5) 100%\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/omote-advisory.com\/wp-content\/uploads\/2019\/01\/header-ALM-and-finance-omote-advisory-large.webp\u00a0\u00bb custom_margin=\u00a0\u00bb||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb233px||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_fullwidth_header][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ _builder_version=\u00a0\u00bb4.25.1″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb custom_margin=\u00a0\u00bb50px||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row column_structure=\u00a0\u00bb1_2,1_2″ _builder_version=\u00a0\u00bb4.27.6″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb max_width=\u00a0\u00bb100%\u00a0\u00bb custom_margin=\u00a0\u00bb||||false|false\u00a0\u00bb custom_padding=\u00a0\u00bb||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb1_2″ _builder_version=\u00a0\u00bb4.25.1″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.27.6″ _module_preset=\u00a0\u00bb1159399b-6826-48aa-a1a9-e0994f4dcf7b\u00a0\u00bb text_font=\u00a0\u00bbLora||||||||\u00a0\u00bb text_text_color=\u00a0\u00bb#001F3F\u00a0\u00bb text_font_size=\u00a0\u00bb15px\u00a0\u00bb header_font=\u00a0\u00bbLora|600|||||||\u00a0\u00bb header_2_font_size=\u00a0\u00bb26px\u00a0\u00bb custom_padding=\u00a0\u00bb0px||0px||true|true\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

L’enjeu<\/span><\/h2>\n

<\/span><\/p>\n

L’ALM n’est plus un sujet technique parmi d’autres dans le pilotage d’un bilan bancaire ou assurantiel. C’est devenu\u00a0le terrain o\u00f9 se joue la solidit\u00e9 prudentielle<\/b>\u00a0d’une institution financi\u00e8re, sous une combinaison de pressions sans pr\u00e9c\u00e9dent : volatilit\u00e9 des taux, exigences r\u00e9glementaires renforc\u00e9es (IRRBB, NSFR, LCR, EVE\/MNI sous B\u00e2le finalis\u00e9), comportements clients de plus en plus difficiles \u00e0 mod\u00e9liser, attente accrue des superviseurs sur la qualit\u00e9 du dispositif, et imp\u00e9ratif de r\u00e9conciliation comptable-prudentielle.<\/span><\/p>\n

Sur ce terrain, le co\u00fbt de l’approximation est imm\u00e9diat. Une mauvaise hypoth\u00e8se d’\u00e9coulement d\u00e9forme la mesure de risque de taux. Un retard dans la production des indicateurs prudentiels co\u00fbte au dialogue avec la BCE. Une mauvaise gouvernance des mod\u00e8les peut conduire \u00e0 un d\u00e9classement r\u00e9glementaire et, en dernier recours, \u00e0 une exigence de capital additionnelle.<\/span><\/p>\n

OMOTE Advisory accompagne les institutions financi\u00e8res pr\u00e9cis\u00e9ment sur ces zones de friction.<\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_2″ _builder_version=\u00a0\u00bb4.25.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb||||false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/omote-advisory.com\/wp-content\/uploads\/2024\/12\/Audit1.jpg\u00a0\u00bb alt=\u00a0\u00bbOffre de services ALM and finance omote-advisory\u00a0\u00bb title_text=\u00a0\u00bbAudit1″ show_bottom_space=\u00a0\u00bboff\u00a0\u00bb src_tablet=\u00a0\u00bb\u00a0\u00bb src_phone=\u00a0\u00bb\u00a0\u00bb src_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb max_width=\u00a0\u00bb500px\u00a0\u00bb custom_margin=\u00a0\u00bb||50px|30px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb10px||0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_divider show_divider=\u00a0\u00bboff\u00a0\u00bb disabled_on=\u00a0\u00bbon|on|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb background_enable_pattern_style=\u00a0\u00bbon\u00a0\u00bb background_pattern_style=\u00a0\u00bbdiagonal-stripes-2″ background_pattern_color=\u00a0\u00bbrgba(51,51,51,0.1)\u00a0\u00bb background_pattern_repeat_origin=\u00a0\u00bbcenter\u00a0\u00bb z_index=\u00a0\u00bb2″ width=\u00a0\u00bb450px\u00a0\u00bb min_height=\u00a0\u00bb550px\u00a0\u00bb custom_margin=\u00a0\u00bb-450px|||170px|false|false\u00a0\u00bb hover_transition_duration=\u00a0\u00bb500ms\u00a0\u00bb hover_transition_delay=\u00a0\u00bb50ms\u00a0\u00bb hover_transition_speed_curve=\u00a0\u00bbease-out\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=\u00a0\u00bb4.27.6″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.27.6″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text content_tablet=\u00a0\u00bb<\/p>\n

Notre approche<\/strong><\/h2>\n

<\/span><\/p>\n

L’ALM est l’une des trois expertises qui composent notre c\u0153ur m\u00e9tier. Nos \u00e9quipes \u2014 compos\u00e9es d’experts financiers, d’ing\u00e9nieurs sp\u00e9cialis\u00e9s en statistique, et d’analystes quantitatifs \u2014 combinent une connaissance approfondie de la gestion des risques structurels et une compr\u00e9hension fine des m\u00e9canismes de bilan en banque comme en assurance.<\/span><\/p>\n

Chaque mission ALM repose sur trois principes.<\/span><\/p>\n

Une expertise de praticiens, pas de m\u00e9thodologues.<\/b> Nos consultants ont, dans leur grande majorit\u00e9, exerc\u00e9 eux-m\u00eames des fonctions ALM en banque ou en assurance avant de rejoindre le cabinet. Ils savent \u00e0 quoi ressemble une demande BCE en condition r\u00e9elle, comment se discute un benchmark interne avec la fonction Risque, ou pourquoi un mod\u00e8le d’\u00e9coulement ne se d\u00e9bogue pas en chambre.<\/span><\/p>\n

Un livrable utilisable, pas une \u00e9tude de plus.<\/b> Que la mission soit un audit de m\u00e9triques, la mise en place d’un nouveau processus de stress test, ou une refonte de mod\u00e8les d’\u00e9coulement, le livrable final doit \u00eatre absorbable par les \u00e9quipes internes \u2014 y compris le code, la documentation, et la formation des utilisateurs.<\/span><\/p>\n

Un engagement jusqu’\u00e0 l’ex\u00e9cution.<\/b> Nous ne livrons pas un rapport pour dispara\u00eetre. Sur les sujets ALM, le delta entre la recommandation et l’op\u00e9rationnel est pr\u00e9cis\u00e9ment ce que nos clients attendent que nous comblions avec eux.<\/span><\/p>\n

\u00a0\u00bb content_phone=\u00a0\u00bb<\/p>\n

Notre approche<\/strong><\/h2>\n

<\/span><\/p>\n

L’ALM est l’une des trois expertises qui composent notre c\u0153ur m\u00e9tier. Nos \u00e9quipes \u2014 compos\u00e9es d’experts financiers, d’ing\u00e9nieurs sp\u00e9cialis\u00e9s en statistique, et d’analystes quantitatifs \u2014 combinent une connaissance approfondie de la gestion des risques structurels et une compr\u00e9hension fine des m\u00e9canismes de bilan en banque comme en assurance.<\/span><\/p>\n

Chaque mission ALM repose sur trois principes.<\/span><\/p>\n

Une expertise de praticiens, pas de m\u00e9thodologues.<\/b> Nos consultants ont, dans leur grande majorit\u00e9, exerc\u00e9 eux-m\u00eames des fonctions ALM en banque ou en assurance avant de rejoindre le cabinet. Ils savent \u00e0 quoi ressemble une demande BCE en condition r\u00e9elle, comment se discute un benchmark interne avec la fonction Risque, ou pourquoi un mod\u00e8le d’\u00e9coulement ne se d\u00e9bogue pas en chambre.<\/span><\/p>\n

Un livrable utilisable, pas une \u00e9tude de plus.<\/b> Que la mission soit un audit de m\u00e9triques, la mise en place d’un nouveau processus de stress test, ou une refonte de mod\u00e8les d’\u00e9coulement, le livrable final doit \u00eatre absorbable par les \u00e9quipes internes \u2014 y compris le code, la documentation, et la formation des utilisateurs.<\/span><\/p>\n

Un engagement jusqu’\u00e0 l’ex\u00e9cution.<\/b> Nous ne livrons pas un rapport pour dispara\u00eetre. Sur les sujets ALM, le delta entre la recommandation et l’op\u00e9rationnel est pr\u00e9cis\u00e9ment ce que nos clients attendent que nous comblions avec eux.<\/span><\/p>\n

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Notre approche<\/strong><\/h2>\n

<\/span><\/p>\n

L’ALM est l’une des trois expertises qui composent notre c\u0153ur m\u00e9tier. Nos \u00e9quipes \u2014 compos\u00e9es d’experts financiers, d’ing\u00e9nieurs sp\u00e9cialis\u00e9s en statistique, et d’analystes quantitatifs \u2014 combinent une connaissance approfondie de la gestion des risques structurels et une compr\u00e9hension fine des m\u00e9canismes de bilan en banque comme en assurance.<\/span><\/p>\n

Chaque mission ALM repose sur trois principes.<\/span><\/p>\n

Une expertise de praticiens, pas de m\u00e9thodologues.<\/b>\u00a0Nos consultants ont, dans leur grande majorit\u00e9, exerc\u00e9 eux-m\u00eames des fonctions ALM en banque ou en assurance avant de rejoindre le cabinet. Ils savent \u00e0 quoi ressemble une demande BCE en condition r\u00e9elle, comment se discute un benchmark interne avec la fonction Risque, ou pourquoi un mod\u00e8le d’\u00e9coulement ne se d\u00e9bogue pas en chambre.<\/span><\/p>\n

Un livrable utilisable, pas une \u00e9tude de plus.<\/b>\u00a0Que la mission soit un audit de m\u00e9triques, la mise en place d’un nouveau processus de stress test, ou une refonte de mod\u00e8les d’\u00e9coulement, le livrable final doit \u00eatre absorbable par les \u00e9quipes internes \u2014 y compris le code, la documentation, et la formation des utilisateurs.<\/span><\/p>\n

Un engagement jusqu’\u00e0 l’ex\u00e9cution.<\/b>\u00a0Nous ne livrons pas un rapport pour dispara\u00eetre. Sur les sujets ALM, le delta entre la recommandation et l’op\u00e9rationnel est pr\u00e9cis\u00e9ment ce que nos clients attendent que nous comblions avec eux.<\/span><\/p>\n

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Pilotage et conformit\u00e9 prudentielle<\/strong><\/h4>\n

[\/et_pb_blurb][et_pb_text _builder_version=\u00a0\u00bb4.27.6″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bbLora||||||||\u00a0\u00bb header_font=\u00a0\u00bbLora||||||||\u00a0\u00bb hover_enabled=\u00a0\u00bb0″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

Conception, mise en place et production des m\u00e9triques ALM : gap statique et dynamique, marge nette d’int\u00e9r\u00eat, EVE, ratios de liquidit\u00e9 LCR et NSFR, sensibilit\u00e9s de taux et de change, etc. Audit et certification de m\u00e9triques existantes.<\/p>\n

Construction des dispositifs de reporting interne et r\u00e9glementaire, et production r\u00e9currente des restitutions destin\u00e9es aux superviseurs (BCE, ACPR, BAM, BCEAO, Fed, …). Conduite des exercices SREP \u2014 ICAAP, ILAAP, RAF \u2014 de la conception du dispositif au dialogue avec l’autorit\u00e9.<\/p>\n

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Mod\u00e9lisation et stress testing<\/strong><\/h4>\n

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Conception et refonte des mod\u00e8les d’\u00e9coulement : d\u00e9p\u00f4ts \u00e0 vue, livrets r\u00e9glement\u00e9s, comptes d’\u00e9pargne logement, comportement client en environnement de taux variables. Mod\u00e9lisation des options implicites et explicites du bilan (remboursement anticip\u00e9, optionnalit\u00e9s sur produits structur\u00e9s). <\/span><\/p>\n

Conception, calibration et conduite d’exercices de stress tests internes \u2014 historiques, hypoth\u00e9tiques, conjoints multi-risques. Validation ind\u00e9pendante des mod\u00e8les ALM selon les principes SR 11-7 et TRIM.<\/span><\/p>\n

[\/et_pb_text][et_pb_divider color=\u00a0\u00bb#001F3F\u00a0\u00bb divider_position=\u00a0\u00bbcenter\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.6″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb width=\u00a0\u00bb100%\u00a0\u00bb module_alignment=\u00a0\u00bbcenter\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||true|false\u00a0\u00bb custom_padding=\u00a0\u00bb||||false|false\u00a0\u00bb animation_style=\u00a0\u00bbfade\u00a0\u00bb animation_speed_curve=\u00a0\u00bbease-out\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_divider][et_pb_blurb use_icon=\u00a0\u00bbon\u00a0\u00bb font_icon=\u00a0\u00bb$||divi||400″ icon_color=\u00a0\u00bb#001F3F\u00a0\u00bb image_icon_background_color=\u00a0\u00bb#FDFEFE\u00a0\u00bb icon_placement=\u00a0\u00bbleft\u00a0\u00bb image_icon_width=\u00a0\u00bb100%\u00a0\u00bb _builder_version=\u00a0\u00bb4.27.6″ _module_preset=\u00a0\u00bb2a091536-9291-4618-a437-983972988076″ header_level=\u00a0\u00bbh3″ header_font=\u00a0\u00bb|700|||||||\u00a0\u00bb header_text_align=\u00a0\u00bbleft\u00a0\u00bb header_text_color=\u00a0\u00bb#001F3F\u00a0\u00bb header_font_size=\u00a0\u00bb18px\u00a0\u00bb body_font=\u00a0\u00bb||||||||\u00a0\u00bb body_text_align=\u00a0\u00bbleft\u00a0\u00bb body_text_color=\u00a0\u00bb#001F3F\u00a0\u00bb background_enable_color=\u00a0\u00bboff\u00a0\u00bb image_icon_custom_margin=\u00a0\u00bb||||false|true\u00a0\u00bb image_icon_custom_padding=\u00a0\u00bb5px|5px|5px|5px|true|true\u00a0\u00bb custom_margin=\u00a0\u00bb0px||0px||true|false\u00a0\u00bb custom_padding=\u00a0\u00bb0%||0%||false|false\u00a0\u00bb animation_style=\u00a0\u00bbfade\u00a0\u00bb animation_speed_curve=\u00a0\u00bbease-in\u00a0\u00bb border_radii_image=\u00a0\u00bbon|100%|100%|100%|100%\u00a0\u00bb border_color_all_image=\u00a0\u00bbRGBA(255,255,255,0)\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Gouvernance et coh\u00e9rence<\/strong><\/h4>\n

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Mise en place des frameworks de gouvernance ALM : r\u00f4les, responsabilit\u00e9s, comit\u00e9s, processus d’escalade. Coh\u00e9rence comptable des m\u00e9triques r\u00e9glementaires et de pilotage interne. Articulation entre fonction ALM et autres directions (risque, finance, treasury, contr\u00f4le de gestion).<\/span><\/p>\n

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Industrialisation par RIALTO KERNEL<\/strong><\/h4>\n

[\/et_pb_blurb][et_pb_text _builder_version=\u00a0\u00bb4.27.6″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font=\u00a0\u00bbLora||||||||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Pour les institutions qui souhaitent automatiser leurs processus ALM, RIALTO KERNEL propose deux modules d\u00e9di\u00e9s :\u00a0IRRBB<\/b>\u00a0et\u00a0ALM-LIQUIDITY<\/b>. Ces modules s’appuient sur\u00a0Flow Insight Core<\/b>, notre moteur propri\u00e9taire de mod\u00e9lisation comportementale des flux. Ils peuvent servir comme moteur fondamental, ou s’int\u00e9grer aux moteurs d’\u00e9coulement d\u00e9j\u00e0 en place \u2014 la plateforme est con\u00e7ue pour se connecter, pas pour remplacer ce qui fonctionne.<\/span><\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

L’enjeu L’ALM n’est plus un sujet technique parmi d’autres dans le pilotage d’un bilan bancaire ou assurantiel. C’est devenu\u00a0le terrain o\u00f9 se joue la solidit\u00e9 prudentielle\u00a0d’une institution financi\u00e8re, sous une combinaison de pressions sans pr\u00e9c\u00e9dent : volatilit\u00e9 des taux, exigences r\u00e9glementaires renforc\u00e9es (IRRBB, NSFR, LCR, EVE\/MNI sous B\u00e2le finalis\u00e9), comportements clients de plus en plus […]<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","inline_featured_image":false,"footnotes":""},"class_list":["post-279423","page","type-page","status-publish","hentry"],"yoast_head":"\nALM - OMOTE ADVISORY<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/omote-advisory.com\/en\/alm\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"ALM - OMOTE ADVISORY\" \/>\n<meta property=\"og:description\" content=\"OMOTE Advisory est un cabinet de conseil expert, sp\u00e9cialis\u00e9 en ALM et en gestion des risques financiers. 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