The process of risk management and credit scoring requires four kinds of systems / steps: data access methodologies and practices, adequate data management, analytical processing (including data mining and credit scoring) and reporting and presentation of results. Tezauri™ provides all of them. Integrated risk solution is fully Basel II complied.

Credit Risk Analysis Assessment Solution aims to analyze bank's credit risk in terms of earnings volatility due to variations in credit losses, comprising credit risk analysis, credit risk assessment and credit risks mitigation of the bank. Calculation engines integrated provide the calculation of the PD / EAD / LGD as well as the regulatory and economic capital calculations. Scoring Solution has been developed
as a very flexible one for credit risk scoring and rating needs, to provide data for the credit risk analysis. Back testing and history of the changes are available.

Asset Liability Management Solution completely supports bank's A&L management offering: Interest Rate Sensitivity Analysis - to project interest rate differential changes caused by interest rate hanges; Net Interest Margin Variance - to evaluate the variability of A&L due to luctuation in interest rates; Short Term Funding Management - to analyze sources of short-term funding to fulfill the bank's A&L plans; Liquidity Analysis – of the projected cash inflows and outflows; Liquidity Risk Analysis – of the uncertainty surrounding convertibility of assets. Funds Transfer Pricing measures bank's mismatch margin and the effectiveness of the ALM functions in hedging the mismatch over time.

Operational risk solution analyzes bank's operational risks, the types or causes of the operational risks, and the amount of economic & regulatory capital required to provide liquidity for the financial institution against the effect of the operational risks.

Profitability Analysis evaluates the various contributions to bank's profit - Product
Profitability, Customer Profitability, Organization Profitability - based on net directly attributable income and expense, allowing for risk, transaction usage, and transfer pricing for funds. MIS reporting feature provides managers a broad insight into banking selling, trends, analysis by products, customers, and metrics of achieving bank's success in its mission, tracking of both performance (short-term) and health (long-term) indicators of the ongoing business. General ledger reconciliation is integrated.

Compliance solution offers analysis of bank's arrangements and activities according to legal statutes, directives of government and regulatory institutions (including anti-money laundering), and bank's own demands. Utmost level of reliability, control and transparency for regular reporting, data storage and auditiability are provided.

Focus is on the quality and effectiveness of bank's commercial relationships with other involved parties / customers. It offers: Customer Segmentation, Customer Profitability, Cross Sell, Up Sell Analysis, Channel Effectiveness, Campaign Effectiveness.

Its framework provides compliance with all three Basel II pillars, having integrated regulatory reporting and management reporting; back-testing and stress testing and scenario analysis.

Compliance with Pillar 1 has been provided with the regulatory and economic capital calculations and calculations of PD / LGD / EAD. Bank is able to turn compliance into a strategic advantage, by improving risk management process (credit, market, operational) and leveraging economic capital management.