Keep capital and liquidity distinct
Do not treat regulatory and financial resources as one fungible pool.
Separate reported headroom from the capacity management can actually deploy.
ERMAIGE does not assume that every buffer is excessive or releasable. The target approach would preserve regulatory floors and structural constraints and compare actions only where approved evidence supports them.
Decision-effective capacity
A balance is not the same thing as an available resource.
Effective capacity depends on scenario, legal entity, currency, horizon, encumbrance, transferability, reservation, modeled need, uncertainty, replenishment and accountable approval.
Illustrative system view
Reconcile approved engines
Preserve authoritative Treasury, liquidity, capital and specialist calculations.
Clear competing claims
Detect resources promised to multiple scenarios, plans or actions.
Compare feasible action
Risk-Adjusted Resource Efficiency evaluates retention, reservation, transfer and deployment under hard constraints.
Governed outcomeA balance is not the same thing as an available resource.