Intellect Treasury & ALM solution (Capital Cube), is an integrated Treasury and Asset Liability Management solution that aids the treasurer to strategically manage the balance sheet, adapt to regulatory regimes, optimise liquidity and leverage risk to maximise profits for the bank. The solution addresses the strategic and risk management requirements of a bank’s treasury across the front, mid and back office, aiding the treasurer to safeguard the bank’s financial assets and effectively manage its liabilities. The solution provides updated information on liquidity, funding and exposures, assuring solvency, protecting margins by accurate view of asset and liability positions, effective hedging, performance attributions providing greater visibility and control to treasury.
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Integrated front, mid and back office treasury
Integrated front, mid and back office with comprehensive asset coverage to mitigate operational, financial and settlement risks and increase operational efficiency. What-If’ Analysis & Simulations with real time blotters for position, cash and P&L management lead to informed decision making.
The solution enables automated reporting of branch positions with online updates to traders ‘positions lead to real-time online positions update with online rate resolution. It is designed on advanced technology and scalable architecture for complete automation and high STP of treasury processes providing users with the required risk intelligence through a user focused configurable visualisation framework and efficient back office processing through flexible workflow management.
The solution enables automated reporting of branch positions with online updates to Traders ‘positions lead to real-time online positions update with online rate resolution. It is designed on advanced technology and scalable architecture for complete automation and high STP of treasury processes providing users with the required risk intelligence through a user focused configurable visualisation framework and efficient back office processing through flexible workflow management.
Intraday Liquidity Management
Managing liquidity better, ensures that the bank runs efficiently. Consolidated view enables the treasurer to take better funding decisions. This enables just in time funding thereby reducing the cost on avoidable borrowings. Capital Cube’s Intraday Liquidity Management helps efficiently manage timing of liquidity outflows in line with intraday objectives. This helps to forecast the range of potential net funding shortfalls during the day and deal with unexpected disruptions in intraday liquidity flows
Contextual Asset Liability Management (CALM)
Monitor and optimise liquidity and interest rate exposure over future time horizons. Identify potential liquidity gaps and optimally manage assets and liabilities. NII (Net Interest Income) / NIM (Net Interest Margin) computation and analysis including EaR (Earnings at Risk). FTP (Funds Transfer Pricing) Module computes transfer price to assess the segment wise profitability. Holistic view of assets and liabilities, identifies liquidity gaps and impact of interest rates. The solution highlights the true profitability across business and product lines.
Facilitates the banks to monitor regulatory capital requirements ‘on-demand. Aids banks to ensure that they do not take either excess leverage or under utilize funds. “Covers all the BASEL pillars i.e minimum capital requirement, supervisory review and market discipline. Ensures capital is maintained as per regulatory stipulations thereby mitigating any reputational and financial Risk. Helps track and maintain LCR and NSFR at optimal levels by ensuring proper balance of short- and long-term funding sources.
Comprehensive risk management covering treasury products across trading and Banking Book.
Comprehensive coverage of market risk metrics leading to better control on risks using measurement standards like – duration, VaR etc by employing both simple and complex methods.
The solution helps assess, measure and monitor liquidity & market risk bringing about a shift from managing to leveraging risks.
It highlights accurate and timely estimation of probable loss for assessing capital requirement in trading book.
Efficient framework and real-time capabilities help to identify risk, measure and monitor positions and exposure for optimal leveraging.
Rich stress testing capabilities to protect revenue margins by assessing impact of volatility and market changes through sensitivity analysis.
21 decision supporting analytics covering the following major areas:
Pre-deal, Growth and Return, Sensitivity, Attribution, Risk, Balance Sheet, P/L and Ratios etc.
It enables quick detection of outliers with alerts and notification for timely and corrective action.
Prescriptive analytics lead to insightful decision making.
The solution facilitates active monitoring and quick response by senior management through early warning mechanism.
Driving customer value & market leadership.