2844 1st St. Costa Rosmerry CA 18221. United States

Capital Optimization

Community Banks and Credit Unions need to optimize their use of capital. Very often, due to internal constraints (risk management guidelines, historical data, risk analytic resources), many institutions lack the clarity or certainty on the level of reserve capital to hold that is aligned with the risk profile at their institutions. As a result, many of these institutions either hold excess capital reserves or are seriously under capitalized.

Our Capital Optimization Modeling Services assist financial institutions improve their understanding of the capital reserve levels that are best aligned with the historical risk trends in their portfolios. The potential benefits from our Capital Optimization Services are several:

  • Proactively identify potential capital shortfalls.
  • Free-up excess capital.
  • Improve the alignment of internal IRR management processes with an institution’s risk profile.
  • Estimate capital levels, leveraging an institution’s historical risk profile.

Risk Analytics Consulting

Leverage Predictive Analytics to grow market share, increase revenue and improve profitability.

NON MATURITY DEPOSIT (NMD) ANALYTICS

Develop customized Predictive Models to analyze and forecast the decay and runoff rates of Non-Maturity Deposits across time.

Capital Adequacy Modeling

Eliminate excess capital reserves to expand loan volumes and credit services.

ALM Modeling & Simulation

Measure the impact of changes in interest rates on NII, NEV, capital adequacy and profitability.

Our Services

  • Our organization helps
  • Community Banks and
  • Credit Unions unlock
  • the power hidden
  • in the data to give them
  • a competitive edge with
  • Risk Analytics.

Risk Analytics

  • Our Risk Analytic Solutions
  • are specially designed to
  • leverage clients' data
  • to develop Predictive Models
  • to help identify risks
  • and increase the profitability
  • and liquidity in their institutions.

Our Approach

  • Our Analytics Team
  • leverages leading edge Risk
  • Modeling and Asset
  • Optimization algorithms to
  • help your institution
  • identify balance sheet risks
  • and maximize returns.

Our Partnerships

  • Our industry-leading FinTech
  • partnerships enable our
  • organization to offer our
  • clients, web-based ALM Modeling
  • with unlimited simulation capabilities
  • (SSAE-16 security certification) and
  • customized service tiers.