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For most banks, reporting on today’s balance sheet is straightforward. Reporting on tomorrow’s balance sheet is where things become complicated. Treasury or ALM teams are constantly asked forward-looking questions: What will our IRRBB metrics look like in six months? How will net interest income evolve if rates move higher? Will the banks NSFR ratio become a constraint with a given funding plan? Are today’s decisions still appropriate under plausible future market conditions?

Your treasury team is already working at full capacity. The pressure to do more, manage more, and report more keeps growing, but the headcount to match it simply is not there. Scaling bank treasury operations without adding staff or compounding risk is not a staffing problem. It is a systems problem. The hidden cost of manual treasury workflows Manual processes do not just slow your team down. They quietly accumulate risk in ways that only become visible when something goes wrong.

Intraday liquidity management helps financial institutions monitor, forecast and manage cash positions throughout the banking day. Rather than relying solely on end-of-day balances, banks need visibility into payment flows, available liquidity and expected funding requirements as they develop.

In the second set of short clips from our MORS Talks conversation with Mark Ruston, Head of Treasury at Oxbury Bank, we continue the discussion with more practical insights from Oxbury’s treasury journey. Explore four more short clips from the conversation, each focusing on a specific question and giving you the opportunity to hear Oxbury’s experience directly. Watch the clips below. Missed the first four clips? Watch Part 1 here.

Treasury automation transforms banking operations by replacing manual treasury processes with integrated systems that automate workflows, calculations, monitoring and reporting. Modern banks use treasury automation to improve efficiency, strengthen controls, reduce operational risk and support better decision-making. These platforms provide real-time or near real-time visibility across treasury activities whilst integrating with existing banking infrastructure and reporting processes.

TMS automation transforms banking operations by digitising treasury processes, reducing manual tasks, and providing timely visibility across treasury activities. Financial institutions benefit from reduced operational risk, improved efficiency, enhanced decision-making capabilities, and stronger regulatory compliance. The benefits become even greater when Treasury, Liquidity Risk Management and Asset Liability Management (ALM) operate on the same platform and share a common data foundation.

MORS Software has launched its first MORS Bank Treasury Management Survey 2026, a new industry survey exploring the priorities, responsibilities and challenges shaping Bank Treasury today and over the next 12 months. The survey looks at how Treasury teams are approaching areas including their evolving responsibilities, technology, investment priorities and the challenges affecting their operations and strategic role within the bank.

Liquidity risk management and treasury operations are often treated as separate disciplines. In practice, however, they depend on the same balance sheet, the same cash flows and many of the same decision-makers. When these functions operate independently, banks can face duplicated data, inconsistent liquidity views and unnecessary operational complexity.

Banking strategies rarely stand still. A bank may begin with a relatively simple balance sheet, limited product range, and straightforward funding model. But as the business grows, Treasury must support new funding instruments, more sophisticated risk management practices, additional reporting requirements, and greater operational volumes. The challenge is that not every treasury platform grows with the bank. What starts as a suitable solution can gradually become a constraint.

When market volatility strikes, regulatory pressures mount, or economic uncertainty looms, banks face a critical question: will their financial foundation hold firm? In today’s rapidly evolving banking landscape, stress testing has evolved from a regulatory checkbox into a strategic imperative that can determine whether your institution thrives or merely survives during challenging times.