In preparing for Basel III, financial institutions need to think not only of how they will comply with regulations, but also how they will be able to adapt to the new controlled environment without sacrificing the efficiency and performance of their business. These changes to systems, as well as the increase in the day to day compliance reporting required by regulators, needs a robust technology solution framework to ensure the success and reliability of the Basel III strategy applied, and will help to ease resource pressures associated with manual processing in the long run.
To manage these regulatory challenges, the Intellect Basel III solution is designed on an integrated platform basis, breaking down the traditional analytical silos within a financial institution to act as the single point solution for Enterprise Liquidity Risk Management. The modular structure of the solution supports banks in full fledged strategic liquidity risk management initiatives as well as having configurable schemers to address and cater to specific gaps a Bank may witness, within the existing legacy system landscape. The solution is comprised of the following modules
Zf RISK VISUALIZER MODULE
Real time 360° view of various risk metrics in form of Visualizations/Dashboards/EW Analytics aggregated from multiple systems to facilitate liquidity risk management in line with the regulatory needs on a pro active basis with real time monitoring of risk sensitivity and drivers for issue resolution and decision making by senior management.
ASSET LIABILITY MANAGEMENT / FUNDS TRANSFER PRICING
Basel III compliant ALM / FTP Solution
The evolving economic landscape presents huge challenges for asset and liability management, currently there is a greater emphasis on liquidity management with tighter regulations and reporting requirements. An Asset Liability Manager not only needs to focus on interest rate risk management but also need to quickly share the common data and indicators used by them to risk departments for sophisticated client behaviour modelling and balance-sheet amortizing assumptions.
Funds Transfer Pricing (FTP) is a potent tool that, when handled correctly and can enable banks to weather business risks more effectively and provide the right insights and incentives to steer the balance sheet to more profitable and less turbulent waters. The Polaris ALM and FTP modules combine to provide this intuitive information highlighting the risk sensitivity within the Banks portfolios and pin-pointing the areas within the Bank where the best profit returns are being achieved.
RISK TREASURY MODULE
Day to Day Liquidity Management
Intellect Risk Treasury is a solution for both; maximizing bank-wide liquidity management and for mitigation of the operational, financial and reputation risk inherent within a banks balance sheet, it provides a proactive control process for risk and liquidity management.
BANK LIQUIDITY MODULE
Specialized Nostro/Cash Management Solution which enables global visibility of cash flows for effective Intra-Day Liquidity Management.