Professional Asset & Liability Management System
Transforming Risk Management into Strategic Decision-Making
OBS PALMS™ (Professional Asset & Liability Management System) is an enterprise-grade Asset & Liability Management (ALM) solution designed to help financial institutions manage liquidity risk, market risk, and regulatory compliance through a single, integrated platform. Built in accordance with Basel standards, OBS PALMS™ empowers banks to strengthen financial resilience, improve governance, and make faster, data-driven decisions in an increasingly complex regulatory environment.
Unlike traditional risk management solutions that operate in separate silos, OBS PALMS™ unifies Asset & Liability Management, Liquidity Risk Management, Market Risk Management, and Regulatory Reporting into one centralized platform. With real-time analytics, interactive dashboards, and automated reporting, financial institutions gain complete visibility into their risk exposure while simplifying compliance and enhancing operational efficiency.
Designed with governance and scalability in mind, OBS PALMS™ features comprehensive audit trails, role-based access control, manager-level approvals, and seamless integration with regulatory reporting frameworks. The platform also supports direct submission to the OJK Apollo System, helping institutions reduce manual processes, improve reporting accuracy, and accelerate regulatory compliance.
Key Capabilities
Integrated Asset & Liability Management
Manage liquidity risk and market risk through a unified platform that delivers consistent data, centralized governance, and comprehensive enterprise-wide risk visibility.
Liquidity Risk Management
Monitor and analyze Liquidity Coverage Ratio (LCR), Net Stable Funding Ratio (NSFR), Internal Liquidity Adequacy Assessment Process (ILAAP), cash flow projections, and funding stability with interactive dashboards and automated reporting.
Market Risk Management
Measure Interest Rate Risk in the Banking Book (IRRBB), Fundamental Review of the Trading Book (FRTB), scenario simulations, stress testing, and market risk exposure using Basel-compliant methodologies.
Regulatory Compliance
Generate regulatory reports aligned with Basel III requirements and streamline submissions through direct integration with the OJK Apollo System, ensuring faster, more accurate, and compliant reporting processes.
Governance & Security
Strengthen operational governance through role-based access control, approval workflows, comprehensive audit trails, and full traceability of user activities across the platform.
Executive Dashboards & Analytics
Gain actionable insights through real-time dashboards, ratio monitoring, scenario comparisons, stress-testing results, and interactive visualizations that support strategic decision-making.
Why OBS PALMS™?
- Integrated Asset & Liability Management (ALM) platform.
- Comprehensive Liquidity Risk and Market Risk Management.
- Basel III compliant reporting and analytics.
- Direct integration with the OJK Apollo System.
- Real-time dashboards and executive reporting.
- Scenario simulation and stress-testing capabilities.
- Enterprise-grade governance, audit trail, and security.
- Scalable architecture for modern financial institutions.
OBS PALMS™ empowers financial institutions to transform risk management from a regulatory obligation into a strategic advantage—enabling smarter decisions, stronger governance, and sustainable financial resilience.
