Treasury and ALM - Product Overview
Capital Cube, Intellect’s Treasury and Asset Liability Management solution, enables greater strategic planning and execution by bringing together the six key business levers for the treasurer: Integrated front, mid and back office treasury; ALM; Capital Adequacy; CBX-FX (Contextual Trading); Risk Management and Analytics.
Capital Cube 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 provides updated information on liquidity, funding and exposures, assuring solvency and protecting margins by accurate view of asset and liability positions, effective hedging and performance attributions. It also provides greater visibility and control to treasury.
Why Capital Cube?
Designed on advanced technology and scalable architecture (SOA) for complete automation and high STP of treasury processes, achieving ~ 95% STP across the bank while mitigating operational and financial risk.
Effective management of balance sheet by identification of potential liquidity gaps and optimal asset allocation. Protect balance sheet with detailed Net Interest Income analysis.
Powered with diagnostic analytics like pre-deal views, ‘What-If’ analysis and post-trade risk. This enables smarter investment and trading decisions with higher returns (around 150+ Risk Metrics and Limits Analytics).
Capital consumption as per regulatory stipulations, ensuring optimum buffer for efficient utilisation of funds.
Technical architecture designed for ‘zero downtime’.
Ready interface hooks to trading and market portals, and settlement agencies, enabling faster Time to Market (reducing time to ‘Live’ by 25% and costs by around 20%).
Best practices from global rollouts are brought in through in-house professional services and consultation, ensuring smooth implementation and functioning of the solution.
Product Highlights
Effective Liability Management
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. It also provides updated information on liquidity, funding and exposures, assuring solvency and protecting margins by accurate view of asset and liability positions, effective hedging and performance attributions. It also provides greater visibility and control to treasury.
Robust Technical Architecture
Our solution is an outcome of more than a decade’s expertise in risk and treasury domain. Adapting to the changing market, regulatory and tech developments, our proposition is further bolstered by a robust technical architecture designed for ‘zero downtime’.
Product Features
Treasury
Integrated front, mid and back office with comprehensive asset coverage to mitigate operational, financial and settlement risks, and increase operational efficiency.
Asset Liability Management (ALM)
Holistic view of balance sheet, identifying gaps in liquidity and impact of interest rates.
Capital Adequacy
Maintaining capital as per regulatory requirements, ensuring optimum buffer for efficient utilisation of funds. Helps track and maintain LCR and NSFR at optimal levels by ensuring proper balance of short and long-term funding sources.
Contextual Banking Exchange – FX (CBX-FX)
Increasing customer engagement index by enabling the bank’s clients to hedge positions for better risk-return outcomes, fuelling business growth.
Risk Management
Real-time capabilities to identify and monitor liquidity and market risk through industry standards and metrics.
Analytics
21 key decision support analytics in the areas of pre-deal, sensitivity, risk, balance sheet, P& L, etc. providing real-time business insights and highlighting areas requiring management involvement.
Technology Architecture
Modular, open architecture enables more cost-effective operations and compliance, creates agility to reduce TCO by supporting future growth.
Reduce manual intervention and increase operational stability via configurable workflows, templates and online deal tracker.
Compatibility to open source technology also contributes significantly to sustained lower TCO and maintenance.
Significant IT Cost Reduction: Platform Economy, providing an integrated front, mid and back office, and highly parameterised solution, enabling launch of new features with minimal effort and cost.
Operational Efficiency: Designed on advanced technology and scalable architecture (SOA) for complete automation and high STP of treasury processes, achieving ~ 95% STP across the bank, while mitigating operational and financial risk.
Increased Scalability: Capital Cube is designed to be scalable. The layered J2EE architecture, along with de-coupled business functions, allows both vertical and horizontal scalability, and provides for easy deployment of the product.
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