Mirai ALM Tool Mirai Advisory is a niche consulting firm focused on bank balance sheet management, asset-liability management (ALM), liquidity management and funds transfer pricing (FTP). It has offices in Europe, North America, and South America. Mirai provides complete ALM and Liquidity solutions to the financial sector. Amongst the range of our products is a new generation ALM tool – MAT is based on real-world experience, in what our clients and ourselves have wanted or dreamed of. MAT uses the technology of tomorrow and brings it to the bank ALM function today.