A forecasting tool to assess impact of credit related strategies on NPA, Provisions and Capital Requirements.

While financial institutions assess borrower’s repayment capabilities prior to a lending decision, post-facto changes in economic conditions can adversely impact financial position and repayment behaviour of borrowers. COVID 19 has resulted in a decline of global economic conditions and muted spends, in-turn impacting supply chains across industries. Pre-facto borrower characteristics are not relevant anymore, and understandably, financial institutions are redefining forecasts. However, planning for future capital requirements based on predicted NPA and provisions under stressed scenarios, will keep financial institution not only prepared for adversities, but also to build near term strategies to maintain financial health. Verisk NPA Management Tool helps lenders build multiple strategies and compare NPA, provision & capital forecast based on such strategies, to disseminate best-case scenario for execution. A comprehensive tool to classify & monitor changing borrower characteristics and simulate portfolio conditions, in-line with RBI’s guidelines and reporting requirements.

 

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Solution Coverage and Benefits

Scenario Analyzer

Scenario Analyzer

Create scenarios based on your understanding of borrower and environmental factors. Forecast and compare metrics such as NPA, Provisions and Capital for various scenarios.

Back Testing

Back Testing

Compare forecasted numbers with actuals to adjust internal strategies.

Asset Classification

Asset Classification

Pre-built rules, to classify borrowers into various asset classes.

Reclassify Assets

Reclassify Assets

Flexibility to reclassify borrowers to incorporate internal / regulatory changes (e.g. moratorium guidelines).

Regulatory Compliance

Regulatory Compliance

Generate accounting entries and comply with RBI guidelines; streamline processes for internal and external reporting.

Define Collection Buckets

Define Collection Buckets

Shape your collection strategies based on internal policies and business calls.

Light Deployment

Light Deployment

Start benefitting within days, with standardized data feeds and simplistic configurations.

Cost Effective

Cost Effective

Cloud based solution to minimize infrastructure investments.

Unified Customer Tag

Unified Customer Tag

Single borrower view and classification, across multiple positions.

Solution Features and Highlights

Proven Regulatory Technology

Proven Regulatory Technology

Experience of running NPA related solutions in private sector banks and SFBs; leader in RBI ADF regulatory reporting.

Workflow Management and Audit

Workflow Management and Audit

Collaborate across multiple divisions with complete view of "who", "what" and "when" of each change.

Analytical Workbench

Analytical Workbench

Build your own representations of portfolios with flexible selection criteria such as area, region, segment, industry etc.

Codeless Classification Engine

Codeless Classification Engine

Powerful codeless classification Engine to define product wise NPA events.

Alerts and Reminders

Alerts and Reminders

Manage internal deadlines with continuous monitoring of tasks to be performed.

Collateral Management

Collateral Management

Allocate collaterals across different positions for a borrower.

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Related Solutions

Early Warning Signals

Early Warning Signals

Track borrower characteristics with a combination of internal and external data, across financial, non-financial, external & statistical indicators.

INDAS 109

INDAS 109

Future proof solution with PD/LGD models to comply with INDAS 109 requirements. Create your asset quality history with NPA Management for seamless move to INDAS109.