Asset and Liability management is the practice of managing risks that arise due to mismatches between the assets and liabilities (debts and assets). Due to these mismatches, banks face several risks such as the liquidity risk, interest rate risk, credit risk and operational risk.
Intellecenter ALM is a robust risk management tool that helps financial institutions manage their options to take investment and/or disinvestment, maintain required statutory liquidity ratios, credit reserve ratio and other ratios as per internal and the regulatory bank guidelines. In addition, Intellecenter ALM provides the functionality to perform sophisticated modeling with different interest rates scenarios to determine the most profitable strategic direction of the organization.
KEY FEATURES
- Easy integration with core and ERP systems
- Efficient Balance Sheet management
- Interest Rate Risk management
- Liquidity management
- Maturity and duration maintenance (bucket codes)
- Flexible parameterization of business rules and exemptions
- Creates and compare different modeling scenarios
- Management dashboards
- Ability to create customized / ad hoc reports
- Prepackage Reports:
- Asset and Liability Management GAP Analysis
- Interest Rate Risk and Simulations
- Liquidity Risk
- Cash Management Projections
- Provide ability to summarize, query and report information using different variables (drill down/up)
- Print, email or export reports as required
- Proactive monitoring, triggers and warnings
