Future of Bank Treasury: The Top 5 Priorities for ALM Desks | Helsinki, May 2026

In this keynote presentation delivered at ALM Day 2026 in Helsinki, Professor Moorad Choudhry examines the future of bank treasury and asset-liability management (ALM), identifying the five priorities that should be at the forefront of every treasury and balance sheet management function. Drawing on current industry developments, regulatory expectations, and practical banking experience, Professor Choudhry highlights: Liquidity Risk Management – the enduring priority for every bank, every day. Stablecoins – their potential impact on deposits, payments, and banking business models. Risk Culture – the importance of embedding sound risk awareness throughout the institution. ALCO Governance – strengthening decision-making and oversight within the Asset-Liability Committee. Interest Rate Risk in the Banking Book (IRRBB) – managing earnings and value sensitivity in an uncertain rate environment. Professor Choudhry describes liquidity risk as the “water of life” for banks, arguing that while priorities may change over time, liquidity management never leaves the agenda. The presentation also addresses the growing influence of artificial intelligence in banking, exploring both its opportunities and the importance of maintaining robust governance, risk controls, and human oversight. This session provides valuable insights for treasury professionals, risk managers, ALM practitioners, regulators, and banking executives seeking to understand the key challenges shaping the future of bank balance sheet management. ALM Day 2026 was organised by ALM Partners: https://almpartners.fi/en/ 🔔 Subscribe for more expert insights on banking, treasury management, risk, and financial markets. Recommended Reading: The Principles of Banking (2nd Edition) 📘 https://amzn.to/3l224LE Wikipedia: https://en.wikipedia.org/wiki/The_Pri...