History
3-5 years required
Balance and transaction behavior
Decay curves
Configure
Core vs volatile deposits
Backtesting
Evidence needed
High error warning visible
Approval
Pending
Model risk review
Operator Workbench
The screen starts with the bank decision, owner, blocker, and next handoff.
Route/behavioral-alm
ALM quant / Model risk
Primary decisionWhich behavioral assumptions are ready to apply to ALM after validation?
Owner: Balance Sheet Management
Current blockerAt least 36 months of history and backtesting evidence are required.
Approvals and evidence control the next step.
Next actionLoad balance history and open deposit decay builder.
Create Decay Rule
Behavioral Assumption Library
Assumptions are guided through history, validation, and approval.
| Product | Segment | Current balance | Core % | Volatile % | Decay curve | Evidence status |
|---|---|---|---|---|---|---|
| Retail savings | Mass retail | ETB 8,900,000,000 | Configure | Configure | Exponential decay | 36 months required |
| Corporate current accounts | Corporate | ETB 4,200,000,000 | Configure | Configure | Custom table | Backtest evidence needed |
| Term deposits | Retail | ETB 3,400,000,000 | Rollover needed | Early withdrawal needed | Configuration required | Approval pending |
Create Decay Rule Modal
Configuration and approval controls stay visible beside the workpaper flow.
| Field | Value | Evidence / action |
|---|---|---|
| Product filter | Retail savings | Required |
| Date range | 36+ months | Blocked until loaded |
| Curve method | Exponential decay | Checker approval required |
Required Inputs
Bank-provided inputs needed before this workspace can support official calculation evidence.
| Data requirement | Configuration status | Owner | Next action |
|---|---|---|---|
| 3-5 years historical balances | Evidence needed | Bank data owner | Provide source extract or policy reference |
| Transaction behavior | Evidence needed | Bank data owner | Provide source extract or policy reference |
| Product hierarchy | Evidence needed | Bank data owner | Provide source extract or policy reference |
| Customer segment | Evidence needed | Bank data owner | Provide source extract or policy reference |
| Rate changes | Evidence needed | Bank data owner | Provide source extract or policy reference |
Operational States
The same screen accounts for empty, loading, blocked, validation, and approval states.
Loading stateSource checks runningLarge extracts stay in review until hash, row count, and schema validation finish.
Empty stateNo approved source rowsThe workspace shows required inputs and owner handoff instead of empty charts.
Blocked stateEvidence or approval missingOfficial output stays unavailable until the blocker is cleared by the owner.
WarningHigh backtest errorCurve cannot be applied until model risk accepts or corrects the assumption.
Approval pendingNew curve not appliedSave and apply remains blocked until checker approval.