INDUSTRY EXPERTS

The TBSM Team are pioneers in the space of applying capital markets techniques into the financial services industry.

INNOVATIVE

TBSM applies modern computer science technologies to create an innovative, highly adaptable model to respond to most treasury problems as they arise.

EFFECTIVE SOLUTIONS

We have the unique combination of decades of real-life Treasury management coupled with market leading technical competencies to deliver practical, workable, meaningful advice and solutions to our clients.

COST EFFICIENT

We offer essential services in a more efficient manner than most mid-size financial institutions are able to offer themselves making TBSM a cost-effective solution.

TREASURY & BALANCE SHEET MANAGEMENT INC.

Treasury and Balance Sheet Management Inc. (TBSM) is a Canadian consulting firm focused on providing treasury and finance consulting to financial institutions including banks, trust companies, credit unions, private lenders and leasing companies since 2003.

TBSM creates processes around daily financial activity to deliver leading edge solutions in a timely and relevant manner.

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MEET OUR TEAM

Doug Adams

Doug Adams Doug returned to consulting when he formed TBSM in 2003 after leaving TD Bank as a Vice President of Finance.  Doug has had a career of over 35 years in Treasury management starting in 1988 by programming arbitrage models for two Toronto merchant banks. He went on to join the investment counselling firm,…

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Joel Nattrass

Joel Nattrass Joel is a partner at TBSM and has been with the firm since 2010. He provides Treasury consulting to TBSM’s clients and helps them manage all aspects of their treasury including liquidity, interest rate risk, and FX exposure. He has helped FIs build daily processes around many issues that are common to bank…

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WHY TBSM?

Industry Experience

TBSM has provided consulting and software services to numerous financial institutions within Canada and abroad.  Client relationships date back for decades in various capacities, a testament to the strong customer-centric business model at TBSM.

Brilliant Team

We have the unique combination of decades of real-life Treasury management coupled with market leading technical competencies to deliver practical, workable, meaningful advice and solutions to our clients.

Proprietary Software

TBSM utilizes its own software tools to create required outputs for its clients.  TBSM has built hundreds of models for its clientele and works with the client on each models’ relevance, interpretation and use to shape overall Treasury strategy.

Cost Effective Solution

TBSM is cost efficient because we provide essential services in a better, more efficient manner than a lot of mid-size financial institutions would be able to provide themselves.

WHY CHOOSE US?

TBSM has provided consulting and software services to numerous financial institutions within Canada and abroad.
We have the unique combination of decades of real-life Treasury management coupled with market leading technical competencies to deliver practical, workable, meaningful advice and solutions to our clients.
TBSM utilizes its own software tools to create customized solutions that work for the client.  The model values everything at the certificate level which allows the model to be used from everything from FTP to certificate level ROE.
We are cost efficient because we provide essential services in a better, more efficient manner than a lot of mid-size financial institutions would be able to provide themselves.