RAROC Calculator

raroc calculator

rt360-Risk Adjusted Return on Capital Calculator

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

Meet The Experts

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.


Holistic credit profile based pricing mechanism

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

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

Access controlled

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


Customized solution to help 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

Personalized customer experience

Personalized customer experience through customer level aggregation of relationships for holistic pricing decisions

Superior efficiency and reduced cycle time

Superior efficiency and reduced cycle time for processing credit applications

Highly accurate credit decisions

Highly accurate credit decisions and dynamic pricing of financial instruments


rt360 Early Warning System

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

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rt360 Model Risk Management

Global regulators in recent times have paid an increasing attention to managing risks arising from extensive use of models in decision making.

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rt360 Asset Liability Management

Growing regulatory mandates by the Bank of International Settlements’ (BIS) demand automated systems for robust asset-liability management.

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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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risk management suite

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.