Oviyax Technologies

Kalypto 
Risk & Compliance Management Platform

KALYPTO PLATFORM

An integrated & holistic platform providing cutting edge Risk and Compliance solutions to Banks & Financial institutions. The state-of-the-art Risk Management products powered by cognitive technology, advanced AI and ML help banks detect risk at an early stage. Currently offer following products. 
  1. Credit Risk (CR)
    The End-to-end holistic credit risk solution enabling banks to quantify, monitor, mitigate and report all aspects of Credit Risk. It enables banks and institutions to accurately assess credit exposures in multiple dimensions.
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  2. ​Market Risk (MR)
    The V@R application is a comprehensive web-based Market Risk Solution covering bank/FI investment portfolio as per BASEL/regulatory guidelines. It enables any financial institution to capture their, market exposure and compute the risk inherent in their investment portfolio across multiple dimensions.

  3. Operational Risk (OR)
    The comprehensive operational risk solution which facilitates banks and financial institution in assessing, identifying, measuring, monitoring, controlling and reporting of losses resulting from inadequate or failed internal processes, people or systems. The product helps to create a robust Operational Risk Management Framework.

  4. Loan Origination System (LOS)
    The Loan Origination System is a modern platform dedicated to financial institutions that offer credit products to all types of customers. The system provides financial institutions a comprehensive view of the end-to-end credit process.

  5. Collateral & Limit Management (CLM)
    The CLM is an end-to-end collateral management system which gives a consolidated view of collaterals and facilities at a customer level. It helps banks centrally monitor exposure across all types of customers and loan products. It supports various types of collaterals, financial collaterals, non-financial collaterals and marketable collaterals.

  6. Early Waring Signals (EWS)
    The EWS solution is a comprehensive web-based solution which helps Bank alleviate the risks of non-performing loans by effective use of different categories of Risk Indicators. The system empowers banks to identify borrowers with a high probability of payment defaults. The solution is best in class Asset portfolio monitoring solution with 100+ built in Risk Indicators.

  7. Asset Liability Management (ALM)
    The ALM solution is a comprehensive web-based platform which assists financial institutions to measure and monitor liquidity risk, interest rate risk and currency risk. Modular and scalable, the solution has the ability to handle extremely complex products.

  8. Fund Transfer Pricing (FTP)
    The FTP is a comprehensive web-based Fund Transfer Pricing mechanism which accurately reports the profitability across business units, products and customers. It empowers banks to adopt advanced methodologies to evaluate every branch, product, customer, from not just a cost but from a profit perspective.

  9. International Financial Reporting Standards (IFRS)
    i) ECL

    ECL is a comprehensive web-based platform built with a prima facie objective of transitioning from GAAP to IFRS compliance. The ECL Risk solution suite covers – IFRS9, IFRS 7, IFRS 16 and IFRS 13.
    ​ii) CECL 
    It’s a comprehensive web-based platform built with a prima facie objective of transitioning from GAAP to CECL compliance. It empowers banks and financial institutions to compute accurate CECL related provisions with a quick turn-around time.
    i​ii) IFRS 17
    It’s a comprehensive web-based platform built with a prima facie objective of transitioning to IFRS compliance. It empowers insurance organizations to perform IFRS related computations with a quick turn-around time.

  10. Financial Reporting Automation (FRA)
    FRA is a robust engine that automates the generation of GAAP and IFRS sets of financial statements for banks & financial institutions. The system has been designed to bring consistency, transparency and reliability in preparation of consolidated financial statements and assists businesses to perform various financial analytics decisions.

  11. Data Modelling - Advance Analytics (DM)
    An indigenous platform which helps customer to make data driven decisions based on facts or information collected. The platform is equipped with the latest Artificial Intelligence & Machine Learning techniques used in the industry. Our Analytical Team, which comprises of experienced statisticians and data scientists have been working over years to understand the data, discover the hidden patterns in data and subsequently transform the data into actionable insights
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CREDIT RISK

Risk 
​Assessment

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 Rating & Scoring Engine
Two-Dimensional Rating Model
Industry Rating & Peer Group Analysis
External Rating from Multiple Agencies
Risk Based Pricing 
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Risk 
Measurement

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​Exposure Consolidation
Computation of Gross & CCF Adjusted Exposure
Risk Adjusted Return on Capital (RAROC)
Stress Testing

Risk
​Mitigation

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Collateral Management
Limit Monitoring
Alerts

Concentration Analysis
Executive Dashboards
MIS & Risk Reporting

Capital
Charge

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 Risk Weighted Assets On & Off B/S
PD, LGD, EAD
Expected & Unexpected Loss
CVaR & Expected Shortfall
Standard, F-IRB &
A-IRB Approach as per Basel III Accord

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MARKET RISK
VaR
Coverage
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Forex, Fixed Income, Equities, Commodities
Specific Risk
General Market Risk
VaR 
Methods
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Standardize Approach
​IMA Approach
Historical Simulation
CoVaR
Monte Carlo Simulation
Scenario
Analysis
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Risk Factors Charges
Stressed VaR
Adding/Suppressing Transaction
 Reverse Stress
Testing to Deduce 
Back Testing & Model Validation
VaR Contribution & Comparison
MIS &
​Monitoring
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 Regulatory Reporting
Executive Dashboard
VaR Limits
Report & Dashboard Builder
Capital Charge Computation
​Limits Tracking Reports
Back Testing Reports
Stress Testing Reports
​Basel Reports

MIS

OPERATIONAL RISK
Loss Event
Data
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Data Collection & Tracking
Casual Analysis
Impacts & Recoveries
Provision & Write-off
​External Events
 Key Risk
Indicators (KRI)
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Definition & Limits
KRI Library
KRI Based Assessment
KRI Trends
Limits Bursting
Risk Control & Self Assessment (RCSA)
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Definition
SQA Library
Questionnaire Based Assessment
Control Standard Assessment
P&I Based Assessment 
New Product Assessment
Capital Charge & Analytics 
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Basel II & III Compliant
Scoreboard Approaches
Risk Rating of Business Lines
Scenario Analysis
LDA Approach
OpV@R with External / Scenario Data
Executive Dashboard & MIS
Business Continuity Planning 

LOAN ORIGINATION SYSTEM
Flexible Database Structure
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Strong Integration Layer
Appraisal Template
Agile Workflows
Offer Letters
End-to-end Credit Process
All types of Customers
Rating
Engine
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Configurable Rating Engine
All types of Rating models
Retail & Facility Rating
E-mail Notifications


Delegation of Authority
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Application can deliver Delegation of Authority for multiple DA conditions
Alerts Framework
Control Based Approach
Monitoring &
MIS
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360 Degree View of Customer Segments
Digital Widgets
Real time monitoring loan process
Report Builder
Ai/ML & Analytics

EARLY WARNING SIGNAL
ETL Proprietary
​Tool
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Internal System Data
External System Data
Structured Data
Unstructured Data
EWS Risk Engine
EWS Reporting Engine
Auto Case Management
Multiple CAP Support

Risk
​Indicators
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Financials Indicators
Industries Indicators
Behavioral Indicators
Account Conduct Indicators
Credit Application Note Indicators
Audit Report Indicators

Application
Flow
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Indicator Breach Analysis
Account Classification
Risk Scoring
Case Creation
Implementation of Action Plan
Correction Action Plan (CAP)
 Causal Analysis Stage (CAS)
Dashboard &
Reports
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Top Key Indicators
Top Borrower
Industry wise Contribution
Indicator wise Contribution
Pending Threshold
False Positive Classification
Borrower Performance
OOTB Reports
Query Builder


ASEET LIABILITY MANAGEMENT
ALM GAP
Reports
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Structural Liquidity 
Interest Rate Sensitivity
Duration GAP
Dynamic Liquidity
Option Adjusted GAP

Liquidity Risk Management
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BASEL III Reports
Liquidity Coverage Ratio (LCR)
Net Stable Funding Ratio (NSFR)
Monitoring Tools and Ratios
Scenario Analysis
​& Stress Testing
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Liquidity Stress Testing
Earnings-at-Risk (EAR)
Market Value of Equity (MVE)
Behavioral 
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Analysis & Dashboard
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Non Maturity Products
Rollover of Deposits
Loan Prepayment Model
ALM Dashboards
Forecasting of Balance Sheet and P/L Account
Trend Analysis


FUND TRANSFER PRICING
Interface
& 
Reference Data
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Entity Types
Tenors
Maturity Buckets
Yield Curves
FTP Curves
Adjustment Rules
​Multiple System Interface
Rule Engine

FTP
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Methodologies
 
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Pool Base Single Pool
Double Pool
Multiple Pool
Matched Maturity Term Pricing

FTP Processes
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& Analytics
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FTP Rate Allocation
FTP Amounts
Pre & Post Interest Income
Multilevel Contributions 
Expense Allocations
Profitability at Various Levels

 Dashboards
& MIS
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Executive Profitability Dashboards
Contribution Summary
Income & Expense Allocations
​Statutory Reserve Ratio

Actual & Marginal Cost of Funding Curve (MCoF)
Computation of NII & NIM

IFRS -9,16,7,13 & 17
IFRS 9
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Classification, Impairment & Hedge Accounting
Stage Assessment based on Rebuttable & SICR
ECL Recognition using Statistical Models 
Stress Testing of ECL
Simulations & Attribution Analysis 
Cash Flow Generations
EIR Measurement
 
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IFRS 16​
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Classification of Lease
Accounting of Lease
Recognition of Asset & Liability
Disclosure of Lease Recognition
IFRS 7
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ECL Attribution Analysis 
Stage Transition Matrix
Disclosure of Statement of Financial Position & Comprehensive Income
Regulatory IFRS 7 Disclosures 
Collective Pool-wise Reporting
Qualitative & Quantitative Disclosures 

IFRS 13
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Classification of Instruments L1,L2 and L3
Fair Value Measurement of L1,L2 and L3 Instruments
Modelling of Fair Value Measurement 
Disclosure Report of Fair Value Measurement 


FRA

  • ​FRA is a robust engine that automates the generation of GAAP and IFRS sets of financial statements for the Banks & Financial Institutions
  • Automates GL Reconciliation & preparation of chart of accounts
  • Supports auto generation of IRFS related accounting entries & manual posting of entries with required validations.
  •  Preparation of 2 sets of Chart of Accounts (GAAP & IFRS)
  • Data Analysis & representation in form of Dashboards
  • Custom made Dashboard - Interface with Core systems of the banks
  • Essential tools for CEO, CFO & Senior Management 
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Location

Dubai, UAE

Telephone

+971 585232399

Email

​sales@oviyax.com
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  • Home
  • Digital Products
  • Digital Services
  • Reconciliation Platform
  • RPA Platform
  • Risk Management Platform
  • Sales Partner Model
  • Start-Ups
  • Contact Us