Story

Asset and Liability Management Forge Ltd (”ALM Forge”), was established in 2024 with the goal of applying asset and liability management (ALM) techniques to new areas of operation. It is creating a technology platform and applications that can be used for analyzing financial risks. ALM Forge intends to provide tools for use by a broad customer base.

Varainhallintapaja Oy, having the English-language parallel business name Asset and Liability Management Forge Ltd have been registered on April 2024. Varainhallintapaja Oy continues the operations of the private trader Varainhallintapaja.

What is ALM?

The art of Asset and Liability Management ensures that a financial entity can meet its future payment obligations. In an uncertain future, this depends on both the entity’s current net worth and its future income and expenses. To conduct asset management, one must understand the financial position as well as the future cash flows. Future cash flows depend on both internal decisions and external events.

Asset management involves shaping the financial position and operations so that financial risks are at the desired level. Analyzing one’s own situation without appropriate tools is often difficult.