Helsinki, 21 May 2025 – MORS Software, provider of Asset Liability Management (ALM), Risk and Treasury Management solutions for banks, has today published its ALM Survey Report 2025. Now in its fifth consecutive year, the survey offers unique insight into the key challenges and priorities shaping the ALM function in banks globally.
This year’s report is the most comprehensive to date, with responses from 101 banks across 32 countries. The survey results reflect growing uncertainty and complexity in the financial sector, with ALM more central than ever to strategic decision-making.
Key findings from the ALM Survey Report 2025 include:
- Geopolitical risk is rising fast – up 14 percentage points year-on-year – now seen as the second most pressing ALM challenge.
- Interest rate uncertainty remains the number one challenge, although its share has slightly declined from 54% to 51%.
- 60% of banks report inadequate ALM tools, with data granularity cited as the most common issue.
- IRRBB remains the top regulatory constraint, followed by Capital Adequacy and CSRBB.
- AI adoption in ALM remains low, with only 13% of respondents actively using AI solutions.
- Climate risk is still not prioritised in ALM strategy, with just 2% listing it as a key concern.
About the ALM Survey
MORS Software conducts its annual ALM Survey to better understand the changing dynamics of balance sheet management across the banking sector. Respondents include a wide range of institutions, from commercial and retail banks to digital and challenger banks, across all major regions.
The full ALM Survey Report 2025 is now available for download