rt360 RAROC Calculator

Measure risk-adjusted returns

Ensure precise risk-adjusted returns on capital with RAROC calculation

The product aggregates data from disparate systems to help lending professionals accurately assess customer profitability while making credit pricing decisions for RAROC calculation. The product enables the bank with the right allocation of capital at the right pricing thereby increasing credit growth and profitability.

Key Features

Holistic credit profile based pricing mechanism

The rt360 RAROC product engine is driven by several key aspects that include net interest income (NII), apportioned fee income, ancillary income like derivative fees, float and facility wise profitability.

Budgeting mechanism

Assists the business team in yearly/quarterly account planning exercise to systematically determine sales targets for relationship managers.

Access controlled, workflow based system

Integrated workflow mechanism with multiple hierarchy levels to ensure sanctity of the information entered and mitigate the implications of wrong decisions in the corporate credit segment.

Benefits

Superior efficiency

Benefit from reduced cycle time for processing credit applications efficiently.

Personalized customer experience

Unlock personalization through the customer-level aggregation of relationships for holistic pricing decisions.

High levels of accuracy

Enable accurate credit decisions and dynamic pricing of financial instruments.

Customized solution for credit managers

Customized solution to help credit managers accurately price corporate advances, taking into account: Internal factors such as cost of funds, risk, and tenure.

Products

rt360 Credit Risk Suite

A transformative product suite powered by AI/ML algorithms, data analytics, configurable workflows, and extensive reporting and dashboarding tools.

rt360 Early Warning System

Comprehensive, always-on early warning indicators powered by AI/ML to help bankers identify potential default, stress or fraud.

rt360 RAROC Calculator

Accurately assess customer profitability while making credit pricing decisions for RAROC calculation thereby increasing credit growth.

rt360 Collections Management System

Unlock your full collection potential and increase resolution rates cost effectively with advanced AI/ML technology that underpins a robust collections strategy.

rt360 Expected Credit Loss

Compute Expected Credit Loss as per regulatory, IND AS 109 guidelines, while addressing requirements such as PIT PD, and macro-economic factors.

rt360 Real Time Monitoring System

Enhance fraud detection and prevention with real-time monitoring, and facilitate proactive and preemptive actions.

Brochures

rt360 Credit Risk Suite

Get sustainable growth and maximized profitability powered by AI/ML algorithms, data analytics, configurable workflows, and extensive reporting and dashboarding tools.

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rt360 Early Warning System

Stay alert, efficient and profitable by identifying credit risks proactively and leveraging end-to-end predictive analytics.

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rt360 RAROC Calculator

Ensure dynamic risk-based pricing and efficient capital allocation with focus on maximizing profitability and driving sustainable growth.

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rt360 Collections Management System

Identify credit risks proactively, collect more, economically and at an accelerated pace by leveraging state-of-the-art predictive analytics.

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rt360 Expected Credit Loss

Recognize expected change in credit risk and onboard a framework to manage forward-looking credit loss. Adopt proven, scientific methods for computing credit losses.

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BCT Digital’s rt360 risk management product suite transforms the world’s leading enterprises, drawing on the strengths of next-generation technologies, sophisticated AI/ML models, data-driven algorithms, and predictive analytics. Its revolutionary Fintech, Regtech, and SustainTech solutions help enterprises optimize their core governance, risk, and compliance processes, enabling them to augment their positioning and go-to-market capabilities.