In today’s competitive financial landscape, understanding the true contributors to net interest margin (NIM) is essential. Strata’s Axiom® Funds Transfer Pricing (FTP) solution helps financial institutions move beyond averages and assumptions — delivering precision and transparency across customers, products, and organizational units.
With matched-term precision, scalable modeling, and rich analytical capabilities, Axiom FTP equips finance leaders to make better, faster decisions.
Precision at the Account Level
Axiom FTP is purpose-built to calculate accurate transfer pricing rates at the instrument or account level. Whether for loans, deposits, or structured products, the solution models and applies FTP charges and credits based on key characteristics, including:
Embedded options
Yield curve selections and market benchmarks
Expected cash flows
Origination date and term
Achieve Smarter Margin Management
FTP helps financial institutions go beyond rate-setting — it enables a deeper understanding of profitability.
With Axiom, you can:
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Allocate margin accurately across lending, deposit gathering, and risk management activities
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Assess pricing and contribution by customer, channel, product, or officer
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Model the incremental impacts of rate or volume changes
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Drive margin transparency and accountability across the institution
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Inform pricing strategies, planning models, and compensation programs
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Calculate risk-adjusted return on capital (RAROC) across any dimension by allocating economic capital to ensure and reward stay aligned
With drill-down capabilities to the transaction level and customizable rules, you’re always in control of your assumptions — and your outcomes.
Move Beyond Just a Calculation Engine
Axiom FTP surpasses traditional rate models. It combines powerful transfer pricing logic with a full suite of integrated profitability and analytics tools:
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Ranking reports by profitability or return metrics
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Risk/return analyses for performance optimization
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Funding center reports to identify internal value transfer
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Incremental impact analysis of new business or market changes
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Rate-volume analytics to understand key margin drivers
These insights help institutions better align resources, refine product pricing, and guide leadership with confidence.
Access a Solution Designed for Financial Institutions
Built with the unique needs of banks, credit unions, farm credit associations, and non-depository lenders in mind, Axiom FTP offers:
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Matched-term pricing algorithms for record-level precision
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Configurable FTP rules with base and adjustment rate logic
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Multi-threaded processing engine for high-volume scalability
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Robust ETL tools for automated, validated data integration
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Role-based security and access control for sensitive reporting
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Interactive dashboards with point-and-click drill-down to account detail
From operational users to senior executives, everyone gets the insights they need — fast.
Build Insights with Seamless Integrated
As part of Strata’s unified Enterprise Performance Management (EPM) platform, Axiom FTP integrates natively with:
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Profitability analysis
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Budgeting and forecasting
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Planning models
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Incentive compensation frameworks
This connected environment ensures that FTP insights flow across your financial processes, strengthening strategy, execution, and performance.
Unlock the True Drivers of Profitability
With Axiom FTP, your institution gains a sharper lens into margin, a more accurate allocation of value, and the tools to drive performance across every dimension.
Turn FTP from a exercise into a competitive advantage.
