If it’s worth measuring monthly, it’s worth measuring daily.

TBSM is a Canadian consulting firm that has been providing consulting and software services to numerous financial institutions such as banks, trust companies, credit unions, private lenders and leasing companies within Canada and abroad since 2002.

TBSM utilizes its own software tools to create required outputs for its clients. By utilizing our own software, TBSM can mathematically defend and demonstrate every underlying assumption and calculation. Other providers utilize third party software which diminishes their ability to provide flexible, customized solutions. TBSMs software library represents 100% of the valuation tools employed by TBSM. This means that every question pertaining to methodology can be addressed first hand as all architecture resides at TBSM. TBSM recognizes the importance of this function and commissions third party validation from a reputable third party to confirm the results from the TBSM valuation engines.

TBSM has decades of experience in the utilization of financial mathematics in the application to relevant banking questions addressed everyday. TBSM creates processes around daily financial activity to deliver leading edge solutions in a timely and relevant manner. By having a complete understanding of the underlying mathematics coupled with industry leading knowledge in application and scope, is that TBSM has the ability to deliver leading edge solutions and strategy to its clientele.

TBSM’s financial models are multi-currency, capable of composite interest rate risk management (stress testing), liquidity framework (comprehensive testing including LCR, NSFR, NCCF), margins/profitability, ROE analysis, Basel testing and hedge effectiveness testing.

We offer leading edge treasury risk management software and consulting in all areas treasury including:

Interest Rate Risk

Liquidity Risk

Foreign Exchange Risk


Portfolio Management

Volume/Rate Margin Analysis

ROE Reporting

Funds Transfer Pricing