Ramco Banking Analytics
Designed to render a 360* view of your bank performance
As systemic risk involved in modern banking could destabilize the entire economy, even creating repercussions across globe, banks are subject to stringent prudential and supervisory regulations as a public policy. The administration of such regulatory policy and surveillance requires comprehensive information. Banks should invest in IT to build better information system to act upon incipient weakness well in time to avoid higher risks and possible non-performing assets.
Though banking industry is the frontrunner in adopting IT, particularly for automating entire banking processes and has achieved high performance in the sector, yet when it comes to business intelligence and enterprise-wide integrated insights, there is much more scope for the banks to improve, understand risk and return profile of each area of business and decide tactical and strategic stances to be pursued for higher efficiency and profitability.
Leveraging Banking Analytics is definitely going to be a differentiator for you as a banker to sustain and grow profitability in the current globally competitive landscape.
Ramco provides banks with next-generation Ramco Banking Analytics that gives you superior technology infrastructure and content needed to make headway in your business intelligence quest and profitability efforts. It empowers bankers to 'Measure, Monitor and Manage' their business goals, risks and growth. With world-class domain expertise, Ramco offers a one-stop solution for banks for all their Management Information System (MIS), Decision Support System and Executive Support System needs.
The Ramco Banking Analytics suite comprises the following analytical modules
You can get a holistic perspective of your advances portfolio in terms of distribution, growth, exposure and risk, and overall performance. You can analyze your portfolio by business segments (e.g. Corporate, Retail, and SME), products, branch and over hundred different attributes. This module allows you to drill down the performance measures from bank-wide aggregates to branch- wise aggregates and finally to individual loan accounts
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. It covers CASA, 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.
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 also quickly drill across from customer analysis to loan analysis or deposit analysis of the related customers, and visualize customer-wise details for any given customer segments.
Under the module, you can 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 LC. You can analyze the exposure 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. Analysis on non-fund business covering both letters of credit and bank guarantees help to analyze the utilization percentage, LCs devolved, BGs invoked, etc.
Financial Performance and Profitability
This would enable you to have a bird's eye view of top line business performance parameters and to thoroughly analyze the bottom-line value, either at banks 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.