Ermas Suite

Ermas è una piattaforma completamente integrata che supporta il Balance Sheet Risk Management, la Regulatory & IFRS Compliance, il Performance Management & Control, la Credit Risk Analysis e il Credit Decision Management. È utilizzato da oltre 200 clienti in più di 20 paesi per supportare le decisioni critiche e soddisfare i requisiti normativi locali e internazionali.

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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