Ramco Banking Analytics
Next-Gen Intelligence for Futuristic Banks.
In this era of information influx, you may have observed that more often than not, your decision making is hampered not because of inadequate information but for the excess of it. The real challenge is not in gathering data but converting it into action-oriented insights. Leveraging Ramco Banking Analytics can definitely prove to be a differentiator in addressing this key challenge and enabling you as a banker to sustain and grow profitability in the current globally competitive landscape.
Ramco Banking Analytics is a next-generation analytics solution that empowers bankers to 'Measure, Monitor and Manage' their business goals, risks and growth. Powered by Ramco System’s world-class domain expertise, Ramco Banking Analytics offers a one-stop solution to banks for all their Management Information System (MIS), Decision Support System and Executive Support System needs.
The solution enables complete performance management for your bank by giving you a 360-degree view of your core business areas. Drawing data captured in your various operational and financial systems into a comprehensive data warehouse and coupling it with the right tools, Ramco Banking Analytics ensures that your bank can outperform competition in all core areas through instant information and intelligent analyses. The solution helps you uncover trends, patterns and key comparisons and gain complete understanding of your best markets and target them for growth.
With Ramco Banking Analytics, you can be assured that your decisions are based on accurate and validated data. By delivering interactive business intelligence to your digital devices, Ramco Banking Analytics fosters paperless reviews and monitoring in your bank, ensuring that you start saving from day one. And, it is not just the cost of paper you save; with Ramco Banking Analytics you contribute to keeping the planet green. Even the submission of the central bank statutory report, mandated by the RBI, is done in an automated manner via XBRL (eXtensible Business Reporting Language)—a global standard for communicating and exchanging business information, digitally.
Ramco Banking Analytics provides you with a cockpit view of your vast and complicated operations with a choice to zoom in to the most detailed account level information. Pre-built dashboards, scorecards, alerts and Key Performance Indicators (KPIs) render the analytics in an easy-to-use format, ensuring that you gain business agility easily. The solution empowers you to monitor sales, business margins and operational performance, and manage risks effectively. You can know your customer better through analytics, and based on this understanding you can grow your business with them. That’s why with Ramco Banking Analytics, what you see is what you get.
For Predictive Management of Credit Risks.
Ramco’s Loan Analytics renders you the power to prudently identify, monitor, and manage the risks and returns on your entire portfolio. With this module of Ramco Banking Analytics, you can get a holistic perspective of your advances’ portfolio in terms of distribution, growth, exposure and risk, and overall performance. You can know the growth rate percentage for different periods based on ROI, secured portion, etc in your loan portfolio. The solution enables you to analyze your portfolio by business segments (e.g., Corporate, Retail, and SME), products, branch-wise, and on the basis of over hundred different attributes. You can drill down the performance measures from bank-wide aggregates to branch- wise aggregates, and finally, to individual loan accounts.
- Manage credits, intuitively and proactively.
- Get a holistic perspective of your advances’ portfolio in terms of distribution, growth, exposure and risk, and overall performance
- Get access to critical business segment wise insights related to your portfolio.
Know the Health of Your Deposits.
The deposits module gives you a deep and comprehensive insight into your liabilities business portfolio in terms of growth rate, business mix, cost of funds, maturity patterns, cash outflows, ownership profile, renewal trends, etc. For example, you can know the impact of international rate on growth of deposits, or track the operations and trends related to your current and savings accounts (CASA). It covers CASA ratio, term deposits, and customer-related accounts in credit balance. You can analyze the deposits business mobilization by zone, product, state, customer loyalty, and over 120 other attributes. You can also drill down to individual accounts for any defined portfolio.
- Gain deep and comprehensive insight into your liabilities business portfolio.
- * Analyze the deposits business mobilization based by zone, product, state, customer loyalty and over 120 parameters in addition.
Weigh Your Customers’ Relationship Value.
Get a 360 degree view of your customer relationship value with the bank in terms of the number of loan accounts, deposit accounts, deposit values, outstanding loan amounts, other businesses routed through the bank, etc. You can analyze the customer base in terms of the customer profile, demography, customer rating, customer group, etc. The analysis can be carried against more than 65 different customer attributes. You can visualize comprehensive customer-wise details by quickly drilling across multiple insights pertaining to a customer—from customer analysis to loans to deposit analysis, and get to know your customers’ risk ratings based on outstanding or identify customers’ top business share.
- Have a comprehensive view of your bank’s customer relationship value.
- Drill across customer analysis to loan analysis or deposit analysis related to a customer to get a comprehensive view of a customer’s record and net individual and collective value.
- Know your customers better by analyzing the customer base based on parameters such as customer profile, demography, customer rating and customer group.
Financial Performance Analytics
Get a Bird’s Eye View of Your Finances.
With the intelligence inherent in Ramco’s Financial Performance Analytics module, you can map your bank’s performance vis-à-vis budgets. The module enables you to view the complete picture of fund-based and non-fund based trade finance operations, covering domestic and foreign trade, inward and outward bills, sight and usance bills, purchase and collection bills, bills under letter of credit (LC). You can analyze the exposure, i.e., the amount of money at risk, based on currency, country, bank, drawee, commodity, or industry. An in-depth analysis can be carried out on bill portfolio in terms of bills turnover, overdue bills, partly paid bills, bills realization patterns, viz., prompt realization, late realization, realization by recovery, earnings from bills, etc. You can compare deposits and borrowings for different segments over a period. Analysis on non-fund business covering both LC and bank guarantees (BG) help to analyze the utilization percentage, LCs devolved, BGs invoked, etc.
- Track your bank’s end-to-end financial operations—both fund-based and non-fund based.
- Ensure effective risk management by measuring exposure, i.e., the amount of money at risk.
- Perform a periodic analysis of deposits and borrowings for different segments.
Trade Finance Analytics
Gauge Your Trade Finance Operations with Precision.
This module of Ramco Banking Analytics would enable you to have a bird's eye view of your bank’s fund based and non fund based operations, in support of domestic or foreign trade. You can view top line business performance parameters and to thoroughly analyze the bottom-line value, either at bank’s level, business level, zonal office level or branch level. You can review key asset and liability line items, both customer and non-customer related. You can undertake analysis on net interest income, non-interest income, operating expenses, non-banking assets, proportion of investment on total assets, idle cash holdings, etc. Finally, you can drill down to account-level details for all non-customer-related assets / liability line items and income / expenditure line items.
- View the comprehensive picture of your bank’s overall operations, in support of domestic or foreign trade.
- Get a dashboard view of the top line and bottom-line business performance parameters.
- Review key asset and liability line items, both customer and non-customer related.
Automate Data Flow for Statutory Compliance.
Submitting the statutory regulatory reports mandated by the RBI can be an arduous task for any bank, if performed manually. Ramco Banking Analytics ADF (Automated Data Flow) Solution offers the perfect and most comprehensive solution to help banks to adhere to the RBI guidelines for submission of returns without any manual intervention by enabling complete automation of statutory reports. Now, instead of getting all the departments and individuals in your bank to compile information covering different aspects of operation and profitability and manually validating it for accuracy, you can automate the entire process by deploying Ramco Banking Analytics and maintain a single version of truth for both internal and external reporting.
Ramco Banking Analytics’Centralized Data Repository (CDR) serves as a single data repository for regulatory reporting. These regulatory reports can also be published in the form of XBRL, which the central bank can subscribe to. The reports can be received directly in XBRL format.
Pre-built with the required intelligence, Ramco’s ADF Solution follows a data-model for ESS (Executive Support System) /DSS (Decision Support System) /MIS purpose rather than a report-centric approach. This ensures that a bank can not only take out all the reports required for ADF compliance but also use the Data Model for performance management at various hierarchy levels, capable of extending to accommodate further changes and weather an ever-changing regulatory environment.
- Automate scheduling of returns submission and publishing in RBI mandated XBRL format.
- Save time and costs by automating data flow and submission of returns without any manual intervention, while maintaining absolute accuracy.
- Gain readiness to adapt to the ever-changing regulatory environment.