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Risk Based Bank Rating (Health Check)

Automated health check aligned with risk‑based frameworks: capital adequacy, asset quality, management, earnings, liquidity, and market risk (CAMELS) — plus early warnings, stress tests, consolidation, and full audit trail.

TransparentDrivers & drill‑downs
On‑TimeClose‑ready every month
ActionableEarly warnings & playbooks

Capital Adequacy

CAR calculations, RWA (credit/market/operational), buffers, and limits monitoring.

Asset Quality

NPL/NPA, restructuring, provisioning, collateral coverage, and segmentation.

Management & Governance

Scorecards, policy adherence, internal audit findings, and remediation tracking.

Earnings & Profitability

ROA/ROE, NIM, cost‑to‑income, fee mixes, and variance analysis.

Liquidity & Funding

LCR/NSFR, LDR, gaps, stress liquidity scenarios, and funding concentration.

Sensitivity to Market Risk

IRRBB (EaR/EVE), FX/commodity sensitivities, VaR and limits.

Stress Testing

Top‑down and bottom‑up scenarios, shocks, and portfolio impacts with overlays.

Early Warning Indicators

Thresholds, trend breaks, watchlists, and alerting with case logs.

Data Lineage & Quality

Controls, reconciliations, issues queues, and sign‑off workflows.

Consolidation & Segmentation

Entity/branch/product views with eliminations and footnotes.

Dashboards & Reports

Board packs, drill‑downs, and export to PDF/Excel/BI.

Integrations

CBS/GL/DWH, treasury, risk engines, and BI for analytics.

Technology & Integration

Core Banking/GL & DWH Risk Engines (IFRS9/IRRBB) Treasury/TMS ETL/BI Connectors API‑First & SSO On‑prem or Cloud

What You Get

Free customization (metrics & templates) Trial access until go‑live Annual maintenance incl. change requests Implementation playbooks & training On‑prem or cloud
Ready to customize
Turn supervision metrics into daily management insights.
Share your current metric set, consolidation needs, and stress scenarios — we’ll configure mappings and dashboards.
Request Free Customization