Kastle CRx

Overview

Kastle CRx is a Basel II compliant, multi-currency, multilingual financial analytics and credit-risk system that helps banks worldwide prevent losses and rapidly respond to changing business needs and scenarios. This enterprise-wide solution draws on cutting-edge technology and empowers various stakeholders to balance business growth and credit risk:

Business Heads can Analyze industry trends Leverage browser technology for quick access to RMs		Risk Managers can Implement consistent financial statement templates and transparent risk model frameworks Oversee risk processes
Relationship Managers can Identify prospects Understand key drivers of client business Develop financial strategies to improve client business		Credit Analysts can Take quicker, more accurate credit decisions Monitor borrower’s credit worthiness and financial and non-financial credentials

Why Kastle CRx?

Kastle CRx is built upon 3i Infotech’s rich domain expertise and advanced technological capabilities. This world-class credit risk management solution gives organizations a competitive edge with the following key differentiators:

• Unmatched flexibility, allowing banks to solve specific business problems
  • Flexible capital adequacy computation across all risk mitigants, maturity adjustments, etc.
  • Customizable financial templates, frameworks, and risk models

• User-friendly features for quick and smooth operations
  • Easy deployment and maintenance
  • Browser-powered technology enables user-friendly interface

Features

Kastle CRx is built upon 3i Infotech’s rich domain expertise and advanced technological capabilities. This world-class credit risk management solution gives organizations a competitive edge with the following key differentiators:

• Financial analyses
  • Complete flexibility in defining multiple chart of accounts templates (e.g. manufacturing, financial) and multiple line items with unlimited drill down capabilities
  • Simple management and monitoring of financial covenants, with MS Excel compatibility
  • Customized drivers (e.g., oil prices) and alerts definitions for different companies/borrowers
  • Comprehensive projection and auto-reconciliation capabilities
• Risk rating/tools
  • Advanced reporting and analytical tools (e.g., historical statements) for evaluating credit worthiness
  • PD, LGD, EAD, CVAR, back test, and stress test computation
  • Central database facilitating peer group analysis
  • Custom definition of rating prerequisites, multiple models and scorecards for obligor and facility ratings, and inflators/deflators
• Basel II
  • Configurable risk-weights templates for standardized/advanced approach
  • Covers all credit risk mitigants like collaterals, guarantees, and derivatives
  • Flexible upload module for importing transaction data from various systems
  • Varied reports for credit risk-weighted assets analyses till the lowest level
  • Detailed historical information
• Early warning system
  • Parameters like amplitude, credit-to-limit ratio, etc., help prevent lossses from potential defaulters
  • Tracks actions of RM/credit analyst on potential or actual defaulter cases
  • Trend view and drill down capabilities for business heads
  • Covers all customer types, i.e., corporate or SME in single application
  • Configurable parameters to reduce Type I/Type II errors

Benefits

Key business benefits

• Better credit risk control, via central database and standardization of analysis
• Increased productivity via automation of routine credit analysis and CRM activities
• Reduced risk, made possible by identifying potential defaulters and enabling corrective action
• Improved response time with timely and accurate reporting
• Smooth implementation of credit risk policies
• Reduced cost of ownership
• Ability to ensure consistent financial analysis and credit assessment methodology across people, periods, and segments

Architecture

Deployment Architecture