2 Introduction to Credit Risk Analytics

OFS CRA empowers financial institutions to proactively identify, measure, and mitigate enterprise wide credit risk though its comprehensive, dynamic, and high-quality reports. The application helps gain a holistic enterprise-wide view of credit risk present across the banking and trading book. It also enables financial institutions to mitigate credit and compliance costs by proactively identifying stressed pockets, credit concentrations, undifferentiated credit expansions, provisioning, capital shortfalls and so on, and realigning their Credit, Non-performing Assets (NPA), Provisioning, and Capital Management policy.

The application is packaged with prebuilt infographic reports and dashboards using Oracle Business Intelligence Enterprise Edition (OBIEE), which also offers enhanced flexibility to customize these prebuilt reports through the inbuilt Visual Analyzer. OFS CRA is a one-stop solution crafted to adequately address the credit risk management challenges faced by all categories of financial institutions.

OFS Credit Risk Management has the following key components:

• Enterprise Credit Risk: Provides an enterprise wise view of credit risk across the Banking and Trading Book.
• Wholesale Credit Risk: Provides an in-depth analysis of credit risk present in the Wholesale Book of the enterprise.
• Counterparty Credit Risk: Provides a detailed analysis of the Credit Risk and Counterparty Credit Risk present in the Trading Book of the enterprise.
• Retail Credit Risk: Provides a detailed analysis of the Credit Risk in retail lines of business and related products.