Risks have evolved and increased manifold in recent times due to innumerable contemporary factors like multi-format and digital data volumes, multi-region operations, cybercrime, changing regulations, investments in developing markets, political instability and new business associations, to name a few. If risks are not pre-empted and managed in time, they can pose a grave threat to a bank’s reputation, profitability and survival. Kastle® Integrated Risk Management (IRM) is an effective Risk Management solution that enables robust risk control and mitigation initiatives. With the objective of incorporating the latest in financial risk and banking regulations, Kastle® IRM is a comprehensive package of wide-ranging tools at the disposal of the Risk Manager. The ability to easily analyse and manage modern-day risks and arrive at well-informed and well-guided decisions is much simpler with Kastle® IRM. Its three extensive modules covers the risk spectrum relevant to banks and financial institutions.


Credit Risk

It is an enterprise-wide credit risk management module. It provides a comprehensive financial analysis and risk rating tool that allows financial institutions to accurately assess and monitor borrower’s credit worthiness. Its configurable framework captures analyses, projects and models financial and non financial details of a borrower allowing for speed and consistency of analysis across the organisation bringing tremendous benefits.

Market Risk

It is a comprehensive Market Risk Management module that allows an institution or a portfolio manager to measure various sources of market risk, risk contribution mix using VaR models- Historical Simulation, Risk Metrics, Monte Carlo. The module also provides different analytical tools such as Scenario Analysis, Stress Testing, Back testing to control market risk. The module has extensive module for capital charge measurements of market risk by using both Standardized Approach and Internal Model Approach according to Basel norms.

Asset Liability Management

It 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 alerts users against potential deviations. It also has a powerful Data Management utility to facilitate data capture from various source systems, data validation and normalization.