rt360 Expected Credit Loss
rt360 Expected Credit Loss is an integral part of the IND AS 109 product suite that helps banks assess any significant increase in credit risk. It estimates credit loss systematically and at a granular level for over the life span of a loan
Recognize and measure Expected Credit Loss
Expected Credit Loss is a business-driven technology solution that enables banks to compute Expected Credit Loss as per regulatory guidelines, while addressing requirements such as PIT PD, and macro-economic factors.
Features
Estimates ECL
Estimates ECL
Estimates PD/LGD/EAD
Estimates PD/LGD/EAD
Computes Effective Interest Rate
Computes Effective Interest Rate
Cash flow generations based on terms and conditions of contract (E.g.: fixed/floating rate, prepayment, drawdowns)
Perform validation and calibration
Perform validation and calibration
Dashboard and Reporting
Dashboard and Reporting
User-defined portfolio for quick edits and regular updates
Benefits
Advanced capabilities
monitoring
End-to-end automation
processes
Accelerated Timelines
Products
rt360 Early Warning System
Always-on to detect early warning signs of incipient credit fraud or stress
rt360 RAROC Calculator
rt360 RAROC Calculator is a product that enables risk-based pricing & capital allocation.
rt360 Expected Credit Loss
rt360 Expected Credit Loss is an integral part of the IND AS 109 product suite that helps bank assess any significant increase in credit risk
Brochures
rt360 Early Warning System
Identify credit risks proactively leveraging end-to-end predictive analytics.
Download Nowrt360 RAROC Calculator
As you focus on credit growth for your bank, capital allocation and pricing is critical to maximizing profitability and driving sustainable growth.
Download Nowrt360 Expected Credit Loss
With the introduction of the global International Financial Reporting Standards-9 (IFRS 9) and its equivalent Indian Accounting Standards (IND AS) 109, financial institutions are adopting scientific methods for computing credit losses.
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rt360 is a risk management product suite to manage the entire risk portfolio of banks and financial institutions that includes credit risk, capital allocation, pricing risk, liquidity risk, model risk and operational risk.
rt360 is designed by bankers, risk practitioners and technology specialists with a Business First, Technology Next approach, empowering banks and financial institutions to focus on their credit growth and profitability while managing their risks. The product is fully designed and made in India to address the complexities of the financial sector globally. The suite comprises of five distinct products to manage each of the risk portfolio.
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