For banks and credit unions
Provalti is balance-sheet planning software for banks and credit unions — budgeting, forecasting, funds-transfer pricing, organizational and customer profitability, and relationship pricing today, with ALM on the roadmap. Your finance team keeps working in Excel, where they already want to be, and a full instrument level cash flow engine runs behind it, reconciling everything to the penny inside your own Microsoft environment.
The admin control panel. Set your assumptions and run, all in Excel.
The problem
Building a bank or credit union budget is a lot of work, and most of it is manual. Balances have to be projected, every owner has to plan their lines, and the whole thing has to reconcile, assets, liabilities, and income, before anyone can stand behind the number. Provalti does that assembly and reconciliation for you, in the tools your team already works in, so the budget ties out every run.
And when the CFO asks whether the balance sheet actually balances and net income ties to it, the honest answer is usually, give us a day to check.
The solution
Your team plans in Excel. The platform assembles the whole budget behind the scenes, at the instrument level, inside your own Microsoft Fabric tenant, and returns it reconciled to the penny, live in Power BI. It runs invisibly in between, so your team never leaves the tools they know.
A balance-sheet portfolio arrives as a full instrument-level roll: contractual amortization, prepayment, and balloon maturities computed from your own book. Click the image to enlarge.
This portfolio grows by target ending balance: the owner types balance targets in any months they like — October, December, and March here — and the blank months fill in straight-line between the anchors. The engine then computes the originations needed to walk that path after contractual runoff, at rates priced off the forecast curve. Per portfolio, admins can instead choose a balance growth rate or plan gross new volume directly — the same three methods everywhere in Provalti.
The chain from the engine to owner plan files to the balancer to a consolidated fact self-checks that Assets = Liabilities + Equity, and that the income statement reconciles to the balance sheet, to the dollar, every run. It never plugs the difference to equity.
How it works
Admins set rates, growth, and drivers in Excel driver files, then click one button to run.
Each owner gets a scoped Excel file, plans their lines, and sends it back. No two owners touch the same cell.
The platform projects every instrument, plans non-interest and credit, and balances the books behind the scenes.
The full budget comes back reconciled to the penny, live in Power BI, with drill-down to how each number was built.
A non-interest line can be driven by anything on the balance sheet or a statistic like headcount. Deposit service charges off non-maturity deposits, an IT line off FTE, loan costs off commercial loans. The admin defines a driver once, and every owner's line follows their own department.
The New Business driver. Define a product once — term, index, spread, amortization, a named prepayment model — then give each profile its initial growth inputs: monthly volumes, target balances, or a growth rate. The engine originates, prices off the curve, and runs off every tranche. Click the image to enlarge.
The quality gates after a run: every check passed with the number that proves it, and the book is certified to forecast. Click the image to enlarge.
Bring in the month's feeds and conform them, then run the quality checks, GL reconciliation, referential integrity, mapping, and precision, right from the control panel. You start every forecast on numbers you trust.
Add or rename an account or department in a master, reload the dimensions, and hand out fresh plan files. Numbers your owners already submitted are preserved, only the new lines are added.
Manage your chart of accounts and departments, then reload and regenerate plan files, all from the panel.
Provalti Intelligence
Provalti doesn’t hand you blank assumption sheets. It reads your current position and pre-populates your drivers with balance-weighted reality: your actual spreads, your actual mix, your actual seasonality. You apply judgment; the machine does the typing.
And after every certified run, the plan checks itself: a z-score on every account, every department, every month, against your own history — written up as ranked review notes in plain English.
Your assumptions arrive pre-populated from your own book. You set them; the machine suggests. In every edition.
Ranked review notes with a forecast-health scoreboard the CFO reads in five seconds. Every note names the plan file, the owner, and links to the exact spot to fix it. In every edition.
Ask the plan anything and get an answer computed from the numbers, not a guess.
Every committee price, back-tested against what actually booked — each loan checked against its approved terms, concessions dollarized per lender, the deposit promise checked, quarter after quarter. Part of Provalti Pricing.
The Forecast Health view. Every check states its threshold and its result, so the absence of findings is part of the review.
No analyst wrote these notes. The plan wrote them about itself — and the Where to address it column is clickable: a note about a plan file opens that plan file, a note about an assumption opens that driver. Admins land exactly where the fix goes, and can acknowledge a note with a comment that never disappears.
Detection is pure statistics, computed in your tenant on the engine that certifies your plan to the penny. The machine computes and flags. The human decides.
Intelligent Drivers and the Review sweep are in every edition. The Provalti Intelligence module adds assumption automation, AI narratives, and Ask-the-Plan — running against your own Azure OpenAI, in your own tenant.
Provalti Profitability
Profitability is three components on one engine — funds-transfer pricing, the department P&L, and the instrument/customer P&L — each certified on every run, each reconciling to the one below it. Pricing sits on top and prices the next deal the way that P&L will see it.
Every dollar priced to the strip, and a mismatch that explains itself — tied to posted NII to the penny.
A fully allocated, four-tier P&L for every department — allocations that explain themselves, and capital where it belongs.
A full monthly P&L for every instrument, rolled to customer, product and officer — eight gates, every run.
Already running FTP elsewhere? Import it — Provalti validates the tie-outs on every load, so Profitability runs on the feed you have. And Provalti Pricing prices the next deal the way your P&L will see it — then back-tests what actually booked.
Provalti Profitability — Funds Transfer Pricing
Every dollar on the balance sheet gets a transfer rate — loans, deposits, investments, BOLI, fixed assets, even equity — matched-funded to the strip at origination, off your curve. And every rate, and every dollar of mismatch earnings, prints its own derivation.
Whole-balance-sheet coverage with no average-life shortcuts: each expected principal dollar is funded for exactly as long as it lives, with prepayment priced in from day one. Lenders lock their spread at origination; rate moves after that belong to Treasury.
Rate-risk earnings decomposed every close — duration carry, basis, prepayment variance — and tied to posted net interest income to the penny. Never plugged. The only platform whose FTP mismatch explains itself.
A validation report with the arithmetic printed next to every assigned rate, a balance sheet that reconciles like your budget reports, and totals that tie asset FTP dollars to funding FTP dollars exactly. Your examiner can check it with a four-function calculator.
The ALCO view: this month’s mismatch earnings, decomposed — and the strip position behind the carry. Zero-sum and NII ties are checked on every run.
One loan, priced to the strip: the funding ladder, the blend, and the locked spread — computed by the pricing engine, not drawn for a brochure.
The validation report’s Rate Derivations page: lives, betas, windows, and core splits from your driver — and the formula, printed, next to every rate.
Import your legacy transfer rates and run in HonorExisting mode — historical portfolios keep their rates, new business prices on the new methodology. No restatement shock at cutover; recompute the back book when you’re ready.
Curve and driver setup, first full pass, validation review — delivered with your team. FTP Advisory available when you want a methodology partner beyond go-live.
Provalti Profitability — Organizational Profitability
Four tiers of contribution per department — NII priced through funds-transfer pricing, fees, direct cost, allocated support and overhead, risk-scored capital — reconciled to the bank statement to the penny on every run. And no black box: any manager can open any allocated dollar and see the cost it came from, who owns that cost, the basis that split it, and their share.
Every allocated dollar on a department’s P&L opens in the Allocation Trace: the cost pool it came from, the department that owns that cost, the waterfall step, the basis, and the share math — and the drill equals the posted line exactly. The only platform whose allocations explain themselves.
The real questions are how overhead should be split and who is accountable for it. Change a pool’s basis, or switch between direct, step-down and reciprocal, and every manager sees whose P&L moves — on the sample bank, reciprocal improves Treasury by $45K and Wealth Management by $22K — while the bank total never moves a penny.
The department P&L, the league table, the trace and the Excel report pack all show the same figure, and every tier sums to the bank total. Numbers that change from one screen to the next lose the room; these are checked on every run.
The league table: eighteen departments, four tiers, and a bank total that ties to the statement exactly. Madrid pays $884K a month for the funding its loan book consumes; Paris’s deposit franchise carries it to #1; and Treasury’s securities book shows its negative carry in the open — FTP changes who your best branch is.
One pool opened up: the department that owns the cost, the basis, and every receiver’s share — and the proof sheet, where the trace equals the posted P&L line in every department, checked on every run.
A risk-scored capital matrix — credit, liquidity, rate, operational, regulatory, market — assigns equity by product. Deposits carry capital too, so deposit-gathering branches get a true risk-adjusted answer, and department capital always nets to bank equity.
Pools are defined on profitability dimensions, not hard-coded lists. Open branch thirteen, map one cell on the department master, and every pool, basis, and target flows correctly — zero driver edits, no consulting engagement.
Provalti Profitability — Instrument & Customer Profitability
Every loan, deposit and CD carries a full monthly P&L — NII after funds-transfer pricing, attributed fees, assigned cost, expected loss, risk-scored capital, tax — and rolls up to the customer, the product, and the officer. Certified by eight conservation gates on every run: the rollups close to the bank, to the penny.
Who funds you, who costs you, and the single-product customer everyone thought was a star. Every number drills to the instruments behind it; every instrument ties to the ledger. Customer IDs are optional — without them, results roll up honestly to product, officer and department.
Expected loss, cost assignment, capital, tax treatment — every method is a setting in a driver workbook your admin edits in a browser, and the same eight gates re-certify the run whatever you choose. Change the methodology; you cannot break the tie-out.
Instrument profitability is a decomposition of your department P&L, never a parallel calculation. A client-visible reconciliation shows the certified line equals what reached instruments plus a named plug — difference 0.00, every department, every run.
The relationship league: every customer’s full P&L, top and bottom, with risk-scored capital and RAROC — and the $41.6M single-product relationship nobody had priced sitting at the bottom, traced to its source row.
The fee engine reads your core’s own transaction file: direct fees land on the exact account, interchange computes from actual card spend, waived fees net honestly, and whatever the data cannot explain stays visible as a named line — never silently smeared.
A best-practice preset ships enabled, and cost standards self-calibrate from your own actuals — the first run reconciles before the first workshop. Refine methods as your data and appetite grow; nothing is a services project.
Provalti Pricing
Relationship-aware loan pricing in the lender’s own Excel: pick the customer and the product, and the deal is modeled month by month — cashflow-blended matched-term FTP, the plan’s own prepayment speeds, servicing and origination cost from the profitability unit costing — against your hurdle. The quote and the book can never disagree: they come from the same certified engine.
Every input the lender doesn’t own is locked and published by the certified run — stamped with the run date and the curve date. Fixed or adjustable: an adjustable deal prices at current index plus margin and resets off the same forecast path the whole plan runs on.
Year-one and lifetime economics side by side, WITH and WITHOUT the deposit relationship — deposits cannot typically be fully relied upon. A deal that clears the hurdle only because of the deposits says so, in words, before the committee approves.
Every committee proposal is back-tested against what actually booked — confidence-scored on customer, officer, product, amount, rate and timing — and every booked loan is checked term by term against what the committee approved. Won/lost, concessions in dollars per year, terms that drifted, and loans booked with no pricing at all: named, per lender.
One deal, priced: year-one RAROC against the hurdle, lifetime economics with and without the deposits — and the sheet saying, in words, that this deal hinges on the deposit relationship.
The accountability loop: every proposal accounted for — matched, pending or lost, with any match the bank corrected marked as its own — concessions dollarized per lender, and the deposit promise checked against actual balances, quarter after quarter. Built for the lender’s quarterly review.
For every loan that books, Provalti lines up what the committee approved against what the loan system actually holds — amount, fixed rate or index and margin, maturity, amortization, rate type, origination fee, borrower and officer — and flags every difference outside the bank’s own tolerances. Look up any proposal or loan number and the two sit side by side. When the system pairs a proposal with the wrong loan, or misses one, the bank corrects it in a single row; the correction is permanent, labeled, and shows what the system would have chosen.
| Term | Committee approved | Loan system booked | Result |
|---|---|---|---|
| Amount | $1,000,000 | $1,196,014 | +19.6% over approved |
| Fixed rate | 7.00% | 6.75% | −25 bp concession |
| Margin over SOFR | +2.75% | +2.50% | −25 bp concession |
| Amortization | 300 months | 360 months | longer than approved |
| Rate type | Fixed | Adjustable | changed after approval |
| Origination fee | $9,350 | $4,350 | $5,000 not collected |
| Maturity | 60 months | 60 months | as approved |
Illustrative differences from the Provalti sample bank’s May back-test. Tolerances, and whether a difference is an exception or a warning, are set by the bank.
A lender submits by saving a copy to the committee folder — the platform’s own author and timestamp become the record, with version history on every revision. Nothing about who priced what, or when, is self-reported.
Pricing licenses alongside FTP, Organizational and Instrument Profitability — the quote, the relationship P&L, and the department statement all reconcile to the same engine, so the pricing committee and ALCO look at the same numbers and spend their time on strategy.
Why Provalti
Assets = Liabilities + Equity and the income statement reconciles to the balance sheet, automatically, every run. It never plugs the difference to equity.
It runs in your own Microsoft Fabric tenant. Your data never leaves your environment, and the output is live in Power BI, no import or refresh.
One pre-scoped Excel file per owner, opened from a link and edited in the browser — autosave, co-authoring, nothing to install — and collected back with no merging and no double-counting.
The whole cycle lives on one SharePoint site in your tenant: run controls, assumptions, plan files, and each run’s published report pack — with version history as a who-changed-what audit trail.
Single instrument cash flows and one reconciling engine, rather than siloed modules that each approximate. It's a better architecture.
Provalti pre-populates your assumptions from your current position — balance-weighted spreads, terms, and mix straight from your own book, seasonality from your own actuals. Your admins review and adjust; nobody starts from a blank sheet.
A forecast, or an admin’s first-look budget, is an afternoon — the data lands, the drivers fill themselves in, and the plan certifies. A budget distributed to contributors is days, not weeks, because the cycle goes to their judgment instead of assembly and reconciliation. And a rate scenario is one click: shock the whole plan ±100 or ±200 basis points and see the recomputed margin in minutes.
Every input has the full power of Excel, and you can open the underlying tables in Excel anytime. Your team never has to leave the tool they know.
Who it's for
For lean finance teams where building the budget is a big manual lift. If your budget still lives in a spreadsheet that one person owns, and reconciliation is a scramble at quarter end, this was built for you.
Give us your trial balance and a couple of days, and we’ll demo on your data: a reconciled budget on your own numbers, tied out to your own regulatory filing, in the tools your team already owns.
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