{"id":6468,"date":"2020-05-20T05:47:02","date_gmt":"2020-05-20T05:47:02","guid":{"rendered":"https:\/\/sunoida.com\/?page_id=6468"},"modified":"2023-08-07T14:09:28","modified_gmt":"2023-08-07T14:09:28","slug":"provisioning-for-delinquencies","status":"publish","type":"page","link":"https:\/\/sunoida.com\/vision-erm\/provisioning-for-delinquencies\/","title":{"rendered":"Provisioning for Delinquencies"},"content":{"rendered":"\t\t
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Risk Rating<\/span><\/p> To qualify for the supervisory approval of an IRB approach a bank must:<\/strong><\/p> Historical data refers to all data related to events that have affected exposures over a given period in the past.<\/p> BASEL II Standardized<\/span><\/p> BASEL II \u2013 IRB<\/span><\/p> Supported Credit Analytics<\/span><\/p> Combining the best of tested and established rating practices and the power of a Business Intelligence platform, Vision Insights generates an useful set of reports and analytics for use by the credit risk management function.<\/p>\t\t\t\t <\/div>\n\t\t \n <\/p> Probability of Default (PD) Calculations<\/span><\/p> Probability of Default<\/span><\/p> Payment Behavior<\/span><\/p> <\/p> Customer Scoring and Dashboard <\/span><\/p> A fully configurable scoring engine can be used to replicate scores based on existing criteria, or to define and test new attributes. Scores are computed for multiple periods and rating migrations from one rating grade to another are incorporated in the probability of default calculations.<\/p> Key Features<\/strong><\/p> <\/p> Customer Credit Profiling<\/span><\/p> Build detailed customer profiles using customer account information, geographical location and business specific attributes including asset class, legal status, incorporation date and industry.<\/p> Annual, semi-annual and quarterly financial statements are imported and categorized. In order to handle data availability issues, the template used for capturing and importing data is highly customizable, providing flexibility of using summary level data, or an entire balance sheet breakup.<\/p> In addition to borrower specific characteristics, a second dimension also looks at facility specific characteristics including product type and structure, limits, collateral and utilization, from which facility risk rating and estimates of loss given default may be derived.<\/p> Key Features<\/strong><\/p> <\/p> Provisioning for Delinquencies<\/span><\/p> The provisioning module allows analysis of delinquencies at a customer or facility level, with the ability to drill down and look at specific sectors, industries or by any other attribute.<\/p> Key Features<\/span><\/p>Learn how Vision Enterprise Risk Management helps support every bank\u2019s goals\nof identifying potential threats and reducing their negative impact on the business.<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t