1.5 Intelligent Cash Flow Projection & Smart Financial Recommendation

This topic describes the information about Intelligent Cash Flow Projection & Smart Financial Recommendation.

Bank pursuing an aggressive retail credit growth strategy, particularly for long-tenure assets (e.g., 15–20 year home loans), it becomes imperative to ensure availability of stable, long-term funding sources.

CASA balances, being non-contractual and behavior - driven, do not provide predictable maturity profiles and therefore cannot be fully relied upon to support long-tenure loan funding from an ALM and liquidity risk perspective.

Consequently, banks churn their CASA portfolio, to identify stable surplus CASA balances and convert them into contractual liabilities (e.g., Term Deposits) to create predictable maturity profiles, thereby enabling sustainable long-tenure loan growth backed with a stable deposit portfolio.

• Amount Block Inquiry
  This topic explains the systematic instructions to inquire Amount Block details.
• Portfolio Screening
  This topic explains the flow for computing the account data into clear investment opportunities, enabling advisors to convert idle cash into stable bank liabilities while maximizing returns for the customer.