Treasury & Balance Sheet Management Inc.

Where expertise meets innovation in treasury solutions

We deliver top-tier treasury risk models for Canadian banks & credit unions—integrating asset/liability management, forecasting, and funds transfer pricing—with secure reporting via our cloud portal.

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What we do

Models, reporting, and compliance

  • Treasury risk models integrating ALM, forecasting, and FTP for banks & credit unions.
  • Secure, accurate reporting through the TBSM cloud portal, aligned to OSFI B-10.
  • Assist our clients by drawing on decades of treasury expertise.

TBSM checks the right boxes

Why institutions choose TBSM

  • Canada's largest full-service, dedicated bank & credit union treasury solutions provider
  • Fast implementation & always agile
  • Canadian treasury experts on staff; trained treasury personnel
  • Cloud-based solutions; ease of access & use
  • Best practices for IRR, liquidity, FTP, forecasting
  • Automated, daily reporting available
  • Optimized hedging calculations
  • OSFI B-10 compliant contracts offered
  • Independently certified calculations
  • SOC 1 (Oct. 2022) & SOC 2 (Mar. 2024), SOC 2 Type 2 (Mar. 2025)
  • 100% Canadian solution, no 3rd-party models
  • Cloud solution penetration tested; dedicated cybersecurity staff

Asset Management

Founded in 2024 to help small & mid-size institutions manage liquidity efficiently

We align investments with balance sheet exposures using eligible investments, with a particular emphasis on HQLA yield-enhancing assets such as MBS & CHT.

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