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.
- 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.
- 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. - 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. - 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. - 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. - 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. - 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. - 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. - 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.
iii) 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. - 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. - 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
CREDIT RISK
Risk
|
Risk
|
Risk
|
Capital
|
MARKET RISK
|
VaR
Coverage 
Forex, Fixed Income, Equities, Commodities
Specific Risk General Market Risk |
VaR
Methods 
Standardize Approach
IMA Approach Historical Simulation CoVaR Monte Carlo Simulation |
Scenario
Analysis 
Risk Factors Charges
Stressed VaR Adding/Suppressing Transaction Reverse Stress Testing to Deduce Back Testing & Model Validation VaR Contribution & Comparison |
MIS &
Monitoring 
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 
Data Collection & Tracking
Casual Analysis Impacts & Recoveries Provision & Write-off External Events |
Key Risk
Indicators (KRI) 
Definition & Limits
KRI Library KRI Based Assessment KRI Trends Limits Bursting |
Risk Control & Self Assessment (RCSA)
Definition
SQA Library Questionnaire Based Assessment Control Standard Assessment P&I Based Assessment New Product Assessment |
Capital Charge & Analytics
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
Strong Integration Layer
Appraisal Template Agile Workflows Offer Letters End-to-end Credit Process All types of Customers |
Rating
Engine 
Configurable Rating Engine
All types of Rating models Retail & Facility Rating E-mail Notifications |
Delegation of Authority
Application can deliver Delegation of Authority for multiple DA conditions
Alerts Framework Control Based Approach |
Monitoring &
MIS
360 Degree View of Customer Segments
Digital Widgets Real time monitoring loan process Report Builder Ai/ML & Analytics |
EARLY WARNING SIGNAL
|
ETL Proprietary
Tool 
Internal System Data
External System Data Structured Data Unstructured Data EWS Risk Engine EWS Reporting Engine Auto Case Management Multiple CAP Support |
Risk
Indicators
Financials Indicators
Industries Indicators Behavioral Indicators Account Conduct Indicators Credit Application Note Indicators Audit Report Indicators |
Application
Flow 
Indicator Breach Analysis
Account Classification Risk Scoring Case Creation Implementation of Action Plan Correction Action Plan (CAP) Causal Analysis Stage (CAS) |
Dashboard &
Reports 
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 
Structural Liquidity
Interest Rate Sensitivity Duration GAP Dynamic Liquidity Option Adjusted GAP |
Liquidity Risk Management
BASEL III Reports
Liquidity Coverage Ratio (LCR) Net Stable Funding Ratio (NSFR) Monitoring Tools and Ratios |
Scenario Analysis
& Stress Testing 
Liquidity Stress Testing
Earnings-at-Risk (EAR) Market Value of Equity (MVE) |
Behavioral
Analysis & Dashboard
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 
Entity Types
Tenors Maturity Buckets Yield Curves FTP Curves Adjustment Rules Multiple System Interface Rule Engine |
FTP
Methodologies 
Pool Base Single Pool
Double Pool Multiple Pool Matched Maturity Term Pricing |
FTP Processes
& Analytics 
FTP Rate Allocation
FTP Amounts Pre & Post Interest Income Multilevel Contributions Expense Allocations Profitability at Various Levels |
Dashboards
& MIS
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
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 |
IFRS 16
Classification of Lease
Accounting of Lease Recognition of Asset & Liability Disclosure of Lease Recognition |
IFRS 7
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
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