Credence Asset Liability Management Solution (CALMs) is a comprehensive ALM solution designed to manage intermediation risk and the net worth of the institution by tracking risk, liquidity and capital.

CALMs is designed to help in the interest-rate risk management of the complete balance sheet of the institution. CALMs goes beyond mere regulatory reporting and is designed to serve as the central tool for analysing, monitoring and simulating the balance sheet and aid in Enterprise-wide risk management.