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Regulatory Report Generator (RRG) is a comprehensive framework that automates the generation of regulatory reports for Credit Risk, Market Risk, Op Risk and Capital Adequacy as per various African Central Banks' guidelines.

A simple application with 'As On Date' setting

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Configurable parameters  

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Distinct User Roles with clear set of responsibilities 

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Solution is interfaced with core banking data along with manual inputs required if any which is not available in CBS. 

Mapping of CBS data is done as per the bank's information on each reports. 

User creation can be done and specific set of reports can be provided to access for specific users. 

Data can be processed every day or monthly as per requirements 

Automate reports generation process at a given frequency (e.g. daily, weekly, fortnightly, monthly, quarterly, half-yearly, annually) as required by regulatory authority 

Allows establishment to maintain a proper process to minimize loss of information, detect anomalies early and help in audits and surveillance 

Improve maintenance of data by storing them in a most rational forma to reduce report generation time and improve quality of data 

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RRG Regulatory Reporting for Central Bank

ECL Calculator is a comprehensive solution that helps banks in calculating Expected Credit Losses (ECL) in compliance with IFRS 9. The solution is flexible, configurable, and provides detailed reports to assist in impairment assessment and decision-making.

Support both Standard and IRB ECL calculation 

Asset groups (Portfolio) and Asset (Product) master creation 

Support the external PD and LGD models  

Associating multiple staging rules criteria. For example, Days Past Due(DPD), Credit Rating Rules, PD based rules, Watch list rules etc.  

Support staging rules definition 

Maintenance of benchmark rates for present value calculations

Reconciliation and verification reports of Pre and Post batch run.

Manual override of stage category

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IFRS 9 - Expected Credit Loss

R-Control is a multi-asset multi-class module designed to provide smarter ways of measuring risk, tracking portfolio performance and doing scenario analysis. It offers user-defined multi-dimensional analytics, personalized reports, and flexible reporting facilities.

For risk measurement, the module comes with VaR, conditional VaR, marginal VaR, and incremental VaR. The essential advantage is a module that supports parametric methods, historical simulation, and Monte Carlo simulation. 

The module also contains an engine for performance attribution for trend analysis and liquidity analysis of the portfolio.

Marketing capabilities including fund overviews and investor, marketing and liquidity reports

Scenario analysis for profit and loss, historical stress analysis, sensitivity scenarios, and performance indicators

Analytics covering comparative, trends, and ad hoc portfolio analyses

Factor Models including factor and principal component analyses, and performance indicators

Graphical reports for holding and risk factors in both standard and custom formats with drill-down capabilities

Scalable and flexible to be customized to specific needs

R Control

To estimate the need of funds for future investment and expenditure, annual planning and periodic forecasting processes have to be carried out. With automation of actual, plan and forecast data collection, this system prepares annual plan budgets, periodic forecasts of costs and revenues, and compares performance with actuals.

Workflow-based budgeting on multiple budgets, drafts, comparisons, balance sheets, and associated profit and loss. 

Forecasting that includes market movements based on actual or budgeted data, statistical analysis, and business unit hierarchy 

Reports that provide comparisons between actual performance with budgets and forecasts, and on budget variances 

Planning & Forecasting

Surya's Risk Analysis and Credit Evaluation (RACE) solution provides an advanced statistical approach to credit risk management, accurately measuring corporate credit risk and integrating qualitative factors for effective collaboration, making it a comprehensive solution for informed credit rating decisions.

Based on advanced pattern recognition techniques, financial data for financials varying from 10 years to 1 year has been collected from 4800 companies, 280 in default. 

    

Discriminant analysis yields those financial ratios that matter to a default and further classification yields 76 possible paths to default and PD calculation algorithm therefore is biased towards false positives. 

In some ways, this is an extension of Altmann’s Z-Score which stopped at classifying companies into good or bad.

Multi-dimensional portfolio analysis to assess risk concentration

Customized solution for calculation of risk adjust return on capital (RAROC)

Provides risk rating and PDs , adjusted by qualitative assessments, based on financials and financial projections

Provides Portfolio PD and all the necessary financial ratios and analysis in a customized module

Allows models to be defined by attribute weight, score range, score and credit rating

RACE

Surya Software provides financial control & risk management solutions to banks, hedge funds, and corporations around the world to mitigate risk and comply with regulatory requirements.

Enables seamless integration with bank’s transaction systems

Collects and processes data once and uses it for multiple applications

Has built-in Cashflow generation programs for almost all types of Balance sheet and Off-balance sheet Products

Is super-Fast and Robust compared to competitors

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DNBS – Regulatory Reporting for NBFCs

SMERATE is a credit rating framework that simplifies the loan approval process by integrating loan applications with risk-scoring models and workflow. It offers multiple scoring models based on both quantitative and qualitative attributes, providing an efficient and objective approach to assessing creditworthiness.

Default scoring models configured for both retail and corporate clients.

Users can define and store any number of scoring models specific to certain category of clients.

Various attributes pertaining to credit worthiness can be defined as ranges or options. Weights can be assigned to attributes to weigh one attribute over the other.

Credit work file allows to record all information right from file creation, pre-approval, to risk assessment to final disbursal. Comments and information added at each stage can be viewed along with the file.

SMERATE

Surya's Fixed Asset Management (FAM) solution provides end-to-end tracking of fixed assets, from registration to write-off. With FAM, you can easily manage and analyze fixed assets across multiple locations, while meeting financial accounting and reporting requirements.

Booking and registration of fixed asset 

Label Creation & Printing 

Depreciation as per multiple accounting standards 

Modify and revalue assets both manually and via the system 

Simple listing, Asset history, Changing values & locations 

Captures all details of maintenance, transfer, revaluation, and disposal of the fixed asset 

Central management of documents related to Fixed Assets

Fixed Asset Management 

Surya's ALM application enables a financial institution to effectively measure and manage liquidity risk, interest rate risk, and adhere to regulatory requirements.

Graphical tolerance analysis, cost to close, short-term dynamics, and Basel III ratios

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Liquidity Risk

Sensitivity, tolerance, duration, market value, and comparative analyses

Interest Rate Risk

Impact analysis, multi-currency and translation risk reports

Forex Risk

Includes rollover prepayment, forwards, contingency planning, and Monte Carlo simulation

Scenario Generation & Analysis

Analysing maturity and non-maturity products

Behavioural Analysis 

Key ratios, trends and comparisons, along with regulatory and custom reports

Financial Analytics

Report distribution, meeting organization, and documentation

ALCO Support

Standard ALM regulatory reports pack for Centra Bank compliance in various jurisdictions.


Regulatory Reports

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Bank Asset & Liability Management

FTP is a comprehensive solution that enables banks to measure and evaluate their net interest margin and profitability across assets and liabilities. With varied degrees of complexity, it allows banks to set up FTP methodologies and act as a tool for performance evaluation, product pricing, and appropriate cost allocation.

Measure profitability through various dimensional reports (branch/product/business line/RM/customer). 

Multi-Dimensional Profitability Analysis 

Supports an exhaustive set of FTP methods available out of the box such as “Matched Term”, “Cashflow Based”, “Assigned Rate”, “Margin Based”, “Spread Locks” and more.

FTP Methodologies

Takes account level average balances along with base curve and adjustment curve rates to compute the transfer pricing spreads made against the contractual interest rates. 

FTP Curve Setup 

Distributing different type of costs i.e., Direct and Indirect and allocation of such costs to different business unit using rule-based allocation method and cost drivers.

Cost Allocation 

Generate reports and analyses on FTP interest and final FTP rate, profitability, division of spread, business unit FTP, and net income calculation. 

Reporting 

Allow base, yield curve, branch, and business line definitions

Parameter-Driven

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Funds Transfer Pricing

Surya's Income Simulator is a powerful tool for banks and financial institutions to simulate scenarios and study potential outcomes, enabling decision-making and planning.

Define simulation parameters

Enter Plans for contracted maturity COA

Enter Plans for Indeterminate maturity COA

Define parameters for rollover

Define parameters for premature closures

Run simulation

Assemble parameters into a RUN

Generate simulation reports summary

Generate simulation reports detail

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Income Simulation

Our Capital Adequacy & Risk Evaluation (CARE) module provides a flexible framework to progressively adapt to capital adequacy regulations (Basel II and Basel III) with a choice of a standard or advanced approach. 

Rule based Engine 

Library of requirements calculation

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Capital Adequacy Management

Our Capital Adequacy & Risk Evaluation (CARE) module provides a flexible framework to progressively adapt to capital adequacy regulations (Basel II and Basel III) with a choice of a standard or advanced approach.

Rule based Engine

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BASEL – Capital Adequacy

Surya's Data Harmoniser helps banks integrate data from multiple systems, ensuring accuracy and completeness, and streamlines data management processes.

Enables seamless integration with bank’s transaction systems 

Collects and processes data once and uses it for multiple applications 

Has built-in Cashflow generation programs for almost all types of Balance sheet and Off-balance sheet Products 

Has Reconciliation and Data Validation tools built-in 

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Data Harmonizer

Behavioral Analysis (BA) enables banks to conduct historical analysis of the behavior of their products, in order to apply the right assumptions for Balance Sheet modelling.

De-trending of daily balances 

Provision of Backfilling 

Model configurability 

Generation of multiple analysis results 

Support for stressed gaps 

Back testing 

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Behavioral Analysis

IRRBB solution helps financial institutions measure and manage interest rate risk in the banking book by calculating NII and EVE under different scenarios. It can be used as a separate or add-on module to the existing BALM system.

Ready reconciliation with the balance sheet. 

Beyond regulations - EVE by Buckets, EVE by product, and other analytics.

Account level drill down.

Flexibility & Parameterization - Input the rate shocks suitable to you 

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BASEL – IRRBB

With features for procurement automation, expenditure management, and premises management, PEPs is a comprehensive solution for optimizing business operations.

Flexible Maker-Checker framework

Real-time reporting 

Efficient and transparent purchasing

Detailed Expense Analysis available

For customers with Surya’s FAM, PEPS is an integrated new module. PEPS can be used as a stand-alone module by customers without FAM as well.

Procurement, Premises and Expenditures System

BASEL III LR Module ensures daily regulatory compliance for financial institutions by accurately computing LCR, NSFR and related disclosures at a granular level.

The run-off of a proportion of retail deposits (not applicable for non-deposit taking NBFCs)

A partial loss of unsecured wholesale funding capacity

A partial loss of secured, short-term financing with certain collateral and counterparties

Additional contractual outflows that would arise from a downgrade of  Bank/FI in the public credit rating by up to three notches, including collateral posting requirements

BASEL III LR

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