Segments
2 open
Retail and corporate
History
30 of 36 months
Blocked
Curve method
Exponential
Configuration panel
Approval
Model risk
Pending
Operator Workbench
The screen starts with the bank decision, owner, blocker, and next handoff.
Route/behavioral-alm/deposit-decay
ALM quant
Primary decisionWhich deposit segments have enough evidence for decay assumptions?
Owner: Balance Sheet Management
Current blockerCorporate current accounts have fewer than 36 months of clean history.
Approvals and evidence control the next step.
Next actionLoad missing history and request model-risk validation.
Run Simulation
Core vs Volatile Deposit Split
Deposit segments show readiness, not approved behavioral output.
| Product | Segment | Balance | Core % | Volatile % | Decay curve | Evidence status |
|---|---|---|---|---|---|---|
| Retail savings | Mass retail | ETB 8,900,000,000 | Configure | Configure | Exponential | Evidence needed |
| Corporate current accounts | Corporate | ETB 4,200,000,000 | Configure | Configure | Custom table | Blocked history |
| Payroll accounts | Retail payroll | ETB 1,150,000,000 | Configure | Configure | Linear haircut | Backtest needed |
Decay Rule Parameters
Configuration and approval controls stay visible beside the workpaper flow.
| Field | Value | Evidence / action |
|---|---|---|
| Product filter | Retail savings | Segment must match hierarchy |
| Curve method | Exponential decay | Alpha parameter required |
| Apply to ALM | Disabled | Approval pending |
Required Inputs
Bank-provided inputs needed before this workspace can support official calculation evidence.
| Data requirement | Configuration status | Owner | Next action |
|---|---|---|---|
| Monthly balances | Evidence needed | Bank data owner | Provide source extract or policy reference |
| Product filter | Evidence needed | Bank data owner | Provide source extract or policy reference |
| Customer segment | Evidence needed | Bank data owner | Provide source extract or policy reference |
| Curve method | Evidence needed | Bank data owner | Provide source extract or policy reference |
| Alpha parameter | 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.