ALM Survey Report 2026

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What is shaping ALM in 2026?

The latest ALM Survey Report brings together insights from 81 banking professionals across multiple regions, revealing the biggest challenges, regulatory pressures, and technology trends influencing ALM today.

From geopolitical risk and funding costs to IRRBB and AI adoption, the report shows where banks are feeling pressure now and what they expect next.

Why download this report?

Understand what is driving ALM priorities in 2026
See how banks are responding to geopolitical developments, macroeconomic uncertainty, funding pressures, and ongoing regulatory requirements.
Benchmark your challenges against peers
Find out which issues banks experienced most in 2025 and which challenges they expect to dominate over the next 12 months.
See where ALM technology is falling short
Explore the most common system limitations reported by banks, from data granularity and stress testing to performance and forecasting capabilities.
Stay ahead of regulatory pressure
Understand which regulatory metrics continue to constrain banks the most, and why IRRBB remains at the centre of ALM attention.

Key themes from this year’s report:

Geopolitical risk moves to the top: Now the leading concern for ALM, overtaking interest rate uncertainty.
Funding pressure is increasing
Profitability remains a challenge
IRRBB still dominates regulation
Technology gaps persist: Data, stress testing, and performance issues continue to limit ALM systems.
AI adoption remains limited: Most banks are still exploring, with little real-world implementation.

Who should download this report?

The ALM Survey Report 2026 is essential reading for:

Heads of ALM
Risk managers
Finance leaders
Anyone involved in ALM, IRRBB, liquidity, funding, and regulatory reporting

About MORS Software

Complete Asset Liability Management (ALM), Risk Management and Treasury Management Solutions for banks. Find out more.