Non-Maturity Deposits (NMD)
Non-Maturity Deposit Behavioural & Liquidity Intelligence
NMDHub helps banks analyze the behavioural stability and potential runoff of non-maturity deposits using transparent assumptions, segment-based stability parameters and controlled stress analysis.
Designed for Treasury, ALM, Liquidity, Finance and Risk teams, it provides structured analysis and governance-ready outputs to support balance-sheet and liquidity decision-making.
Understand deposit behaviour. Test assumptions. Strengthen liquidity decisions.
What NMDHub Supports
NMDHub helps financial institutions:
- Estimate behavioural stability across non-maturity deposit portfolios
- Differentiate retail and wholesale deposit behaviour
- Apply and document stability caps and behavioural assumptions
- Evaluate potential runoff and balance evolution
- Test the impact of interest-rate stress
- Produce structured analysis for ALCO, Treasury, Risk and management review
Who It's For
Treasury & ALM
Supporting behavioural assumptions, liquidity analysis and balance-sheet planning.
Liquidity & Funding Teams
Assessing deposit stability, runoff behaviour and potential funding implications.
Risk & Finance
Providing transparent analytical support for internal review, governance and reporting.
ALCO & Senior Management
Presenting structured NMD analysis, assumptions and stress impacts for decision-making.
NMDHub is designed primarily for banks, Islamic banks and other regulated financial institutions with material non-maturity deposit portfolios.
Key Capabilities
Behavioral Stability Analysis
Analyzes historical NMD behaviour and provides structured estimates of deposit stability and potential runoff.
Segment-Based Stability Parameters
Supports differentiated treatment of retail and wholesale balances, with configurable stability caps aligned to the institution's approved framework.
Illustrative parameters may include:
Retail — up to 90% stability
Wholesale — up to 70% stability
These are analytical parameters and remain subject to institutional calibration and approval.
Interest-Rate Stress Analysis
Allows users to apply a controlled interest-rate shock and compare stressed outcomes with the base forecast.
The stress is presented transparently as an analytical overlay rather than an opaque black-box result.
Behavioural Horizon Analysis
Supports differentiated behavioural horizons for deposit segments.
Illustrative guidance may include:
Retail — up to 5 years
Wholesale — up to 2 years
Parameters can be adjusted to reflect the institution's own behavioural analysis, policies and governance framework.
How It Works
1. Upload
Provide structured NMD data including relevant dates, segments, balances and currencies.
2. Configure
Define applicable behavioural assumptions, stability parameters, horizons and stress inputs.
3. Analyze
Generate base and stressed forecasts, stability measures and runoff analysis.
4. Review
Evaluate assumptions, behaviour and stress impacts through transparent analytical outputs.
5. Report
Produce structured outputs for further analysis, management discussion and governance.
Upload → Configure → Analyze → Review → Report
Outputs
Excel Analysis
Structured analytical outputs covering:
- Behavioural stability
- Stability assumptions and caps
- Runoff calculations
- Forecast balances
- Base and stressed paths
- Supporting analytical detail
Executive Word Report
Structured narrative reporting covering:
- Key assumptions
- Stability analysis
- Forecast observations
- Stress impacts
- Management and governance considerations
Outputs are designed to be reviewable, shareable and suitable for ALCO, Treasury, Risk and management discussions.
Governance & Traceability
NMD modelling requires transparent assumptions and appropriate institutional oversight.
NMDHub supports this through:
- Explicit behavioural assumptions and parameters
- Traceable analytical runs
- Structured management outputs
- Unique Report IDs and digital fingerprint verification
- Reproducible analysis for review and challenge
The objective is not simply to generate a forecast, but to make the assumptions and resulting analysis understandable and defensible.
NMDHub in Action
See how NMDHub transforms historical non-maturity deposit data into behavioural stability analysis, runoff projections and controlled stress scenarios.
Model & Regulatory Disclosure
NMDHub is an analytical decision-support tool and is not represented as a regulator-approved model.
Institutions remain responsible for model governance, calibration, assumptions, independent validation where required, internal approvals and regulatory application.
NMDHub supports those processes by making analytical logic, assumptions and outputs transparent and reviewable.
Access
NMDHub is available within applicable bank-focused Treasury TradingHub platform configurations.