While financial institutions assess borrowers’ repayment capabilities prior to a lending decision, post-facto changes in economic conditions can adversely impact the financial position and repayment behavior of borrowers. COVID 19 has resulted in a decline in global economic conditions and muted spending, in turn impacting supply chains across industries. Pre-facto borrower characteristics are not relevant anymore, and understandably, financial institutions are redefining forecasts. However, planning for future capital requirements based on predicted NPA and provisions under stressed scenarios, will keep financial institutions not only prepared for adversities but also to build near-term strategies to maintain financial health. Fintellix NPA Management Tool helps lenders build multiple strategies and compare NPA, provision & capital forecast based on such strategies, to disseminate the best-case scenario for execution. A comprehensive tool to classify & monitor changing borrower characteristics and simulate portfolio conditions, in line with RBI’s guidelines and reporting requirements.
Create scenarios based on your understanding of borrowers and environmental factors. Forecast and compare metrics such as NPA, Provisions, and Capital for various scenarios.
Compare forecasted numbers with actuals to adjust internal strategies.
Pre-built rules, to classify borrowers into various asset classes.
Flexibility to reclassify borrowers to incorporate internal/regulatory changes (e.g. moratorium guidelines).
Generate accounting entries and comply with RBI guidelines; streamline processes for internal and external reporting.
Shape your collection strategies based on internal policies and business calls.
Start benefitting within days, with standardized data feeds and simplistic configurations.
Cloud-based solution to minimize infrastructure investments.
Single borrower view and classification, across multiple positions.
Experience in running NPA-related solutions in private sector banks and SFBs; leader in RBI ADF regulatory reporting.
Collaborate across multiple divisions with a complete view of the "who", "what" and "when" of each change.
Build your own representations of portfolios with flexible selection criteria such as area, region, segment, industry, etc.
Powerful codeless classification Engine to define product-wise NPA events.
Manage internal deadlines with continuous monitoring of tasks to be performed.
Allocate collaterals across different positions for a borrower.
Track borrower characteristics with a combination of internal and external data, across financial, non-financial, external & statistical indicators.
Future proof solution with PD/LGD models to comply with INDAS 109 requirements. Create your asset quality history with NPA Management for a seamless move to INDAS109.