ARX ANALYTICS & ADVISORY


	SME Banking


	Retail Banking

This module enables the Corporate (and /or the Investment) banking groups to track the day-to-day interactions between the client and the banks client coverage team.

Client Management

This module provides a complete set of corporate client information including financials, detailing the contact person in each department, its major subsidiaries and the bank’s relationship with them and it's competitors.

It also summarizes all types of calls’ made by the client coverage team at all levels of hierarchy, the result of calls made to the client and follow-up action to be taken. It also provides institutional wide templates for presentations, proposals, deal pipelines and credit approvals.

Performance Evaluation

It enables the senior management to evaluate the performance of the client coverage team through tracking the account profitability against budget, and via specialized reports which monitors the number of client calls made and the follow up actions on identified opportunities. It enables the client coverage team to use institutional wide templates for presentations, proposals, deal pipelines and credit approval requests.

Risk Management

Analytics

The supporting analytics sub-module enables the credit to be evaluated against its industry peer group for selected credit ratios. Based on the peer group and ratios selected it identifies the “best in class” corporate.
Credit Approval

The online credit approval system enables the relationship manager or the investment banker to submit his approval request online. The system has an in-built facility rating and credit rating models (we can incorporate the banks existing rating model into the system), details and constant monitoring of collateral.
Loan Loss Provisioning

Depending on the performance of the portfolio it calculates the Loan Loss Provision as required by Basel II.

Credit Lifecycle

The Credit Lifecycle module incorporates all the necessary modules from the initiation of the credit proposals, the credit ratings, collateral coverage, loan monitoring (both pre and post disbursement), loan disbursement, and asset recovery management and calculating of loan loss provisions. The Credit Lifecycle also enables the Senior Management to monitor the performance of the entire portfolio by selecting criteria such as industry, geography and rating.

Loan Monitoring
- Pre-Disbursement
- Post Disbursement
  
  Post Disbursement, the monitoring is done to ensure that the performance of the borrower/issuer is consistent with the terms and conditions of the agreement. It also monitors the collateral value and sends out alerts to the relevant people.
Asset Recovery Management

In the event that a loan becomes overdue, this module enables the institution to monitor the actions taken to either restructure or recover the loan, by liquidating the collateral.

Credit Rating

The rating module enables the credit rating of corporate clients through quantitative and qualitative rating models based on financial ratios and company and industry specific parameters. The ratings can be availed both as domestic local currency risk ratings. The models follow the criteria laid down by Basel II.

We will work with the institution using their in country data base to validate the domestic rating models. We would be happy to embed the bank’s existing rating models into the system if so desired.

ARX Portfolio Management

Bank Portfolio Monitoring
The Bank Portfolio Monitoring module enables the entire loan portfolio to be reviewed by geography, industry, ratings or performance.
Loan Migration
ARX has developed stochastic model based on Markov chain principle which predicts transition probabilities of various loan delinquency states.
Specialized Reports
Summarizes the credit approval status at various stages to help monitor the productivity and performance of various teams.