rt360 Risk Adjusted Return on Capital Calculator

The rt360 RAROC Calculator is a product that enables risk-based pricing & capital allocation

A scientific approach to risk-based credit pricing

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.

Features

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Holistic credit profile based pricing mechanism:

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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
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Budgeting mechanism:

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Budgeting mechanism:

Assists the business team in yearly/quarterly account planning exercise to systematically determine sales targets for relationship managers
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Access controlled, workflow based system:

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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. Borrower related factors such as rating, facility type, and past conduct

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 Credit Risk Suite

Holistically observes borrowers at different check points over the loan lifecycle, rather than taking a point-in-time approach.

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rt360 Early Warning System

Identify credit risks proactively leveraging end-to-end predictive analytics.

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rt360 RAROC Calculator

As you focus on credit growth for your bank, capital allocation and pricing is critical to maximizing profitability and driving sustainable growth.

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rt360 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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