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Financial Risk
Non Financial Risk

What is Platform X - Balance Sheet Analytics?

Comprehensive coverage of balance sheet risks, inbuilt integrated balance sheet model to enable forward looking analysis and stress testing, attribution of movementsand flexibly to test out new balance sheet strategies.

Attribution

Understand movements in various risk and return metrics in terms of underlying products and individual transactions.

Smart Narrative
and Reporting

Automation of regulatory reporting; Management reporting and dashboards with charts and smart commentary.

Dynamic
Modeling

Dynamic and forward looking approach to forecast risk and return metrics incorporating business plans.

Behavioural Model
Automation

Auto-generate model configuration parameters on a regular basis for behavioural and new business profiles.

What-If/ Integrated
Stress Testing

Bring all risk and return metrics of the balance sheet under a single analytical framework to model response to multiple strategies and scenarios.

Comprehensive Risk
Monitoring

Automated daily tracking of various metrics against risk appetite, early warning indicators with the ability to set-up triggers with notifications.

ALM & FTP
Engine

Driven by an effective ALM & FTP engine that computes deal level cash flows and transfer rate assignment.

Data
Model

Data Dictionary, GL Reconciliation & Balancing, Logical Validation & Corrections.

Balance Sheet Analytics Focus Areas

Challenging regulatory and market environments combined with increased expectations.

Regulatory
Compliance

Fast changing regulatory requirements and market environment, combined with associated modeling and granular reporting requirements.
E.g. Basel III LCR & NSFR, IRRBB, ILAAP, Integrated Stress testing, Risk Based Pricing, Behavioral Modeling

Integrated
Analytics

Need to enable key dynamic analyses like Liquidity planning, NII Simulations, Customer behavior modeling, and Stress testing across risks using a single underlying Balance Sheet model to understand inter-linkages between various risks.

What-If
Modeling

Ability to assess impact of multiple business strategies and market scenarios applied on top of an integrated Balance Sheet model to assess impact on profitability and risk metrics in a single go.

Quick Compute &
Smart Reporting

How can Banks reduce turnaround time of computations to produce all analyses at the start of each business day for better informed decision making and automate production of management decks thereby avoiding repeated manual work.

Technical Features

At the core of the solution is an Enterprise R Analytics platform with the ability to quickly process and analyze large sets of data and generate downloadable presentations embedded with smart narrative. Balance Sheet Analytics supports RDBMS as well as HDFS data stores and enables quick compute through Apache Spark. The solution uses a client-server architecture where the data compute and analytics are executed within the server managed by IT while the presentation layer is browser based and complies with security and audit requirements.

Presentation Layer
  • Browser based Presentation Layer
Logging
  • Detailed access and error logs
Authentication
  • LDAP, Active Directory based authentication
  • Native authentication with hashed password
Access Control
  • Assign user to user groups
  • Provide personalized data/report access to specific users or user groups
  • Password Management, in case of native authentication

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