Ermas Suite

Ermas is a fully integrated platform supporting Balance Sheet Risk Management, Regulatory & IFRS Compliance, Performance Management & Control, Credit Risk Analysis and Credit Decision Management. It is used by over 200 clients in more than 20 countries to support critical decisions and to comply with local and international regulatory requirements.

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BALANCE SHEET MANAGEMENT
‣  Static and Dynamic ALM
‣  Liquidity Risk & Fund Planning
‣  Capital Planning and Optimization
‣  Integrated Balance Sheet Simulation
‣  Market Risk Analysis

CREDIT PORTFOLIO MANAGEMENT
‣  Credit Origination
‣  Rating Calculation
‣  Rating Attribution
‣  Early Warnings
‣  Credit Pricing
‣  Credit Strategy

PILLAR I AND LIQUIDITY STANDARDS
‣  Regulatory Liquidity Analysis
‣  Regulatory Capital Analysis

RISK DATA GOVERNANCE
‣  Analytical Database
‣  Data Quality and Integrity
‣  Data Transformation and Cleansing
 

PERFORMANCE MANAGEMENT
‣  Fund Transfer Pricing
‣  Margin Attribution
‣  ALM Profitability Analysis
‣  Cost Allocation
‣  RAPM Analysis

ACCOUNTING STANDARDS
‣  IFRS 9 Loss Provisioning
‣  IFRS 9 Hedge Accounting
‣  IFRS 9 Amortized Cost
‣  IFRS 13 Fair Value

PILLAR II & STRESS TESTING
‣  Integrated Stress Testing
‣  Reverse Stress Testing
‣  Economic Capital Analysis
‣  Concentration Risk Analysis

RISK DATA REPORTING
‣  Data Pivoting
‣  Dashboard
‣  COREP
‣  Other Regulatory Reporting