Credit and Risk Intelligence

Credit risk graph

Credit Stress Testing

Digitise stress testing processes to improve portfolio decisions and optimise response to regulatory requirements

  • Access multifactor, digitally enabled, highly predictive credit and risk platform with feeds from Australian Bureau of Statistics, RBA, CoreLogic
  • Access integrated and unified, product, portfolio, risk and arrears reporting
  • Gain new insights and support broad use cases with powerful analytics
  • Access advanced credit modelling that leverages a unique dataset from over 50 lenders, over 20 years and $320bn in mortgages*
  • Access highly predictive Probability of Default Loss Given Default, Loss Given Foreclosure, Exposure at Default and Expected Loss analysis
  • Leverage multifactor credit risk model, housing pricing indexing, cash rate, GDP and unemployment data
  • Different forecast scenarios can be easily applied
  • Segment products, performance and risk with a high level of granularity
  • Receive automated alerts and notifications

Credit risk graph

Risk Weighting – APRA Prudential Standards (APS) 112 and 120

Automate and simplify APS 112 and APS 120 calculations whilst driving business improvement

  • Reduce cyber risk through automated APS 120 data feeds from source issuers
  • Enrich APS 112 analysis with NIM and PD for risk informed pricing
  • Access integrated and unified portfolio calculations across assets
  • Improve decision making with “what if” scenario analysis for portfolio decisions
  • Obtain a single source of truth for capital decisions and underwriting policy
  • Automate data feeds derived from balance sheet assets
  • Enable APS 120 compliance
  • Segment products, performance and risk with a high level of granularity
  • Meet new APS 112 requirements for risk weighted assets by segment

KEY FEATURES

A multifactor, digitally enabled, highly predictive Credit and Risk Platform that draws feeds from Australian Bureau of Statistics, RBA and CoreLogic.

Integrated and unified – providing data across product, portfolio, risk and arrears reporting.

The platform helps improve engagement between risk, business, finance and the board - powerful analytics support broad use cases and provide new insights.

Automated alerts and notifications protect your business from emerging risks.

To find out more:

Contact Huw on +61 423 877 047 to discuss how Credit and Risk Intelligence can digitise both your regulatory and risk processes – and enhance decision making, or email pctsales@perpetual.com.au.

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*Perpetual Digital’s records as of June 2021

Data and analytics solutions are provided by Perpetual Digital Pty Ltd ABN 62 626 891 978 (Perpetual Digital). This publication contains general information for wholesale clients only. Without limitation, this publication and the content in the Perpetual Intelligence platform (Content) is not intended and should not be used as: (a) an invitation to enter into any legal agreement of any kind; (b) a recommendation, offer or invitation to subscribe for or purchase any investments, securities or financial products of any party (including Perpetual Digital); (c) a substitute for professional financial advice with respect to particular circumstance; or any indicator or prediction of future activity in the financial services industry. As Perpetual Digital does not hold an Australian financial services licence, the Content does not constitute financial product advice. Except as required by law, no responsibility is accepted by Perpetual Digital or its related bodies corporate or any of their officers, employees, agents or associates, for any of the Content or for any action taken by a recipient on the basis of the Content.