KASTLE™ Asset Liability Management

3i Infotech’s KASTLE™ Asset Liability Management (ALM) is a multi-currency ALM solution for banks and financial institutions, offering extensive data management capabilities for accurate information gathering and analysis. With a powerful suite of analytical and reporting tools, it facilitates efficient liquidity and interest rate risk management, enables strategic decision-making and alertsusers against potential deviations.

Key features and differentiators of KASTLE™ ALM

Reporting and analysis		Customization & flexibility		Security
Key features
Behavior analysis and balance forecasting Extensive suite of MIS reports, providing a framework for risk mitigation and control Historical data and simulation used to predict possible business volumes, maturity patterns, etc.		High degree of parameterization allows for customization as per unique business needs, policies, and conventions User-definable chart of accounts, classification, sub-classification, maturity buckets, reference rates, yield curves, currencies,etc. Custom report designing		Built-in multi-layer security Standard menu security options with login security in the primary layer Option-level access control permits users to access only enabledfeatures
Key differentiators
Compliance to regulatory/ ALCO requirements Multidimensional analysis for regulatory compliance Addresses both sides of risk return equation Multiple methods for funds transfer pricing Web-based reporting for criticalreports		User-definable time buckets Ratio Builder, which allows users to define any number of categories and ratios User-configurable ALM dashboard		Maintains audit trail for activity logging and recording of key data changes Advanced administrator control features like permitted number of concurrent log-ins, minimum password length, password validityperiod, intruder lockout, etc.

Key customer benefits

• Comprehensive and improved risk management through gap reports, regulatory and proprietary liquidity and interest rate sensitivity statement, option-adjusted gaps and simulation of dynamic gaps
• Smarter decision-making based on advanced risk analytics of critical factors like net interest income scenario, rate shock effects, cost to close, capital adequacy, adjust-to-market changes and performance duration
• Better strategic planningand 100% accuracy in execution made possible through behavior analysis, historical simulation, interest rate simulation and measurement of the economic value of equity
• Improved productivity and reduced costs - automated analyses lead to 50% increase in productivity and swift decision-making, while cutting costs incurred on salary by 50%

Kastle Asset Liability Management can also be deployed with Oracle Database 11g Release 2.