Intellect Treasury from Polaris Financial Technology

A treasury management solution with ALM functionalities including interest rate risk analysis, liquidity management, and funds transfer pricing. Features balance sheet modeling, cash flow analysis, and scenario-based stress testing.

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Product analysis by function

Asset and Liability Management for Treasury

Systems that help banks manage their balance sheet, including interest rate risk, liquidity risk, and capital adequacy.
More Asset and Liability Management More Treasury ...

Balance Sheet Management
(7 Yes /7 Known /10 Possible features)

Liquidity Risk Management
(3 Yes /3 Known /10 Possible features)

Interest Rate Risk Management
(4 Yes /4 Known /10 Possible features)

Market Risk Management
(3 Yes /3 Known /10 Possible features)

Fund Transfer Pricing
(0 Yes /0 Known /10 Possible features)

Profitability and Performance Management
(2 Yes /2 Known /10 Possible features)

Capital Management
(5 Yes /5 Known /10 Possible features)

Data Management and Analytics
(5 Yes /5 Known /10 Possible features)

Compliance and Reporting
(5 Yes /5 Known /10 Possible features)

System Architecture and Integration
(8 Yes /8 Known /12 Possible features)

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Gap Analysis Ability to analyze and visualize the gaps between rate-sensitive assets and liabilities		Marketing materials for Intellect Treasury reference gap analysis capabilities for balance sheet risk management.
Duration Analysis Calculation of duration metrics to assess interest rate sensitivity of portfolio		Product documentation lists interest rate risk analysis, which is typically based on duration analysis.
Maturity Ladder Generation Creation of detailed maturity profiles for assets and liabilities		Feature sheet mentions 'maturity profiling' for assets/liabilities, implying maturity ladder generation.
Balance Sheet Forecasting Ability to project future balance sheet compositions based on various assumptions		Stated support for balance sheet modeling and forecasting in marketing collateral.
Scenario Analysis Depth Number of concurrent scenarios that can be analyzed		No information available
What-If Analysis Tools to simulate the impact of strategic decisions on the balance sheet		Described as offering scenario-based stress testing, which is a form of what-if analysis.
Regulatory Reporting Automation Automated generation of regulatory reports from balance sheet data		Regulatory report automation is highlighted in the ALM and treasury overview.
Custom Balance Sheet Classification Ability to create custom classifications and hierarchies for balance sheet items		No information available
Balance Sheet Optimization Algorithms to suggest optimal balance sheet structure based on constraints		No information available
Historical Trending Tools to analyze and visualize balance sheet trends over time		Product documentation provides example of trend analysis and historical analytics for balance sheet items.

Liquidity Coverage Ratio (LCR) Calculation Automated calculation of LCR in accordance with Basel III		LCR calculation is explicitly called out as a supported regulatory metric.
Net Stable Funding Ratio (NSFR) Calculation Automated calculation of NSFR in accordance with Basel III		NSFR calculation under Basel III specifically listed as supported by the ALM solution.
Liquidity Stress Testing Capabilities to simulate liquidity under various stress scenarios		Liquidity stress testing, including scenario analysis, is repeatedly referenced.
Intraday Liquidity Monitoring Real-time tracking of liquidity positions throughout the day		No information available
Liquidity Risk Early Warning Indicators Predefined triggers and alerts for potential liquidity issues		No information available
Contingency Funding Plan Integration Integration of contingency funding plans into liquidity management		No information available
Cash Flow Forecasting Horizon Maximum timeframe for detailed cash flow projections		No information available
Survival Period Analysis Tools to determine how long the bank can survive under stress conditions		No information available
Liquidity Buffer Optimization Tools to optimize the composition of liquidity buffers		No information available
Counterparty Liquidity Risk Assessment Analysis of liquidity risks posed by key counterparties		No information available

Net Interest Income (NII) Simulation Ability to project NII under various interest rate scenarios		Product claims support for projecting net interest income (NII) across different interest rate scenarios.
Economic Value of Equity (EVE) Analysis Tools to measure the impact of interest rate changes on equity value		Economic value of equity (EVE) analysis tools included for interest rate risk assessment.
Yield Curve Risk Analysis Assessment of risks from yield curve shifts, twists, and other deformations		Yield curve risk analysis noted as a key part of IRRBB and ALM analysis.
Basis Risk Measurement Tools to analyze basis risk between different rate indices		No information available
Option-Adjusted Spread Analysis Capabilities to measure option-adjusted spreads for embedded options		No information available
Interest Rate Derivatives Modeling Sophisticated modeling of interest rate derivatives and their impact		No information available
Prepayment Risk Modeling Tools to model and analyze prepayment behavior and its impact		No information available
Rate Shock Analysis Simulation of immediate parallel and non-parallel rate shocks		References both parallel and non-parallel interest rate shocks as supported scenario types.
Interest Rate Volatility Analysis Tools to measure and analyze interest rate volatility		No information available
Maximum Simulation Horizon Maximum time horizon for interest rate simulations		No information available

Value at Risk (VaR) Calculation Ability to calculate VaR using different methodologies		No information available
Expected Shortfall/Conditional VaR Calculation of expected shortfall for tail risk assessment		No information available
Trading Book Analytics Detailed analytics for market risk in the trading book		No information available
Banking Book Market Risk Tools to assess market risk in the banking book		No information available
Monte Carlo Simulation Capacity Number of Monte Carlo simulations supported for market risk analysis		No information available
Market Data Integration Seamless integration with market data providers		States integration with external market data providers.
Foreign Exchange Risk Analysis Tools to measure and analyze foreign exchange exposures		Mentions foreign exchange (FX) risk capabilities for treasury and ALM users.
Commodity Risk Analysis Capabilities to assess exposure to commodity price fluctuations		No information available
Equity Risk Assessment Tools to measure and manage equity price risk		No information available
Stress Testing Complexity Ability to model complex market stress scenarios		Supports complex scenario and stress testing, as highlighted in solution documentation.

Multi-Currency FTP Support for transfer pricing across multiple currencies		No information available
Matched Maturity FTP Implementation of matched maturity transfer pricing methodology		No information available
Contingent Liquidity Pricing Incorporation of contingent liquidity costs in transfer prices		No information available
FTP Curve Construction Flexible tools for building and maintaining FTP curves		No information available
Historical FTP Analysis Ability to analyze historical FTP rates and their impact		No information available
Behavioral Adjustment Integration Incorporation of behavioral assumptions into FTP calculations		No information available
Cost Component Breakdown Detailed breakdown of FTP into cost components (liquidity, credit, etc.)		No information available
FTP Simulation Tools to simulate the impact of FTP changes on business units		No information available
Transfer Rate Customization Flexibility to customize transfer rates for specific products or segments		No information available
FTP Reconciliation Tools to reconcile FTP charged/credited across the organization		No information available

Risk-Adjusted Return on Capital (RAROC) Calculation of risk-adjusted returns for performance measurement		No information available
Product Profitability Analysis Detailed profitability analysis at the product level		No information available
Customer Profitability Analysis Tools to assess profitability at the customer or segment level		No information available
Channel Profitability Assessment Analysis of profitability across different distribution channels		No information available
Cost Allocation Flexibility Sophisticated mechanisms for allocating costs to business units		No information available
Scenario-Based Profitability Forecasting Tools to forecast profitability under different scenarios		The solution supports profitability forecasting and scenario-based analytics according to solution literature.
Performance Dashboard Customization Ability to create customized performance dashboards for different users		No information available
Profitability Drill-Down Depth Number of hierarchical levels available for profitability drill-down		No information available
Efficiency Ratio Analysis Tools to analyze and track efficiency ratios		No information available
Return on Assets/Equity Calculation Automated calculation of ROA, ROE, and other key performance metrics		Automated calculation of ROA and ROE is a standard financial metric listed in product datasheets.

Regulatory Capital Calculation Automated calculation of regulatory capital requirements		Automated regulatory capital calculation is mentioned as a core compliance function.
Economic Capital Modeling Sophisticated modeling of economic capital needs		Describes economic capital modeling as part of its risk management and ALM feature set.
Capital Allocation Methodology Flexible methodologies for allocating capital to business units		No information available
Capital Planning Tools Forward-looking tools for capital planning and forecasting		Product materials mention forward-looking capital planning tools.
Stress Testing Integration Integration of stress testing results into capital planning		Stress testing integration into capital planning is referenced in the solution's literature.
Capital Optimization Tools to optimize capital allocation and usage		No information available
Capital Adequacy Assessment Comprehensive assessment of capital adequacy		No information available
Regulatory Framework Coverage Number of regulatory capital frameworks supported (Basel II, III, IV, etc.)		No information available
Capital Ratio Forecasting Tools to forecast key capital ratios under different scenarios		Scenario-based capital ratio forecasting is included given the scenario management and forecasting statements.
Risk-Weighted Asset Optimization Tools to optimize the composition of risk-weighted assets		No information available

Data Integration Flexibility Ability to integrate with various data sources and formats		Integration with multiple data sources and flexibility in data ingestion supported by platform documentation.
Big Data Processing Capacity Volume of data that can be processed efficiently		No information available
Data Quality Management Tools for monitoring and improving data quality		Product features include data quality management and controls.
Data Lineage Tracking Ability to track the origin and transformations of data		No information available
Advanced Analytics Capabilities Support for advanced analytics techniques (machine learning, etc.)		Advanced analytics (including predictive and statistical models) mentioned as part of ALM analytics functionality.
Data Visualization Tools Sophisticated tools for visualizing complex financial data		Sophisticated dashboard and reporting UI with data visualization referenced in brochures.
Self-Service Analytics Ability for users to create their own analyses without IT assistance		No information available
Real-Time Analytics Capability to perform analytics on real-time data streams		No information available
Historical Data Retention Maximum period for detailed historical data retention		No information available
Predictive Analytics Tools for forecasting future trends and behaviors		Predictive analytics tools are cited as a value proposition in sales materials.

Regulatory Reporting Automation Automated generation of regulatory reports		Regulatory report automation is a marked compliance feature.
Multi-Jurisdiction Support Number of regulatory jurisdictions supported		No information available
Regulatory Update Management Systematic process for implementing regulatory changes		Product documentation notes systematic processes for regulatory change management.
Audit Trail Functionality Comprehensive audit trails for all transactions and changes		Comprehensive audit trails are marked as a core compliance feature.
Regulatory Compliance Monitoring Real-time monitoring of compliance with regulatory requirements		Compliance dashboards and real-time compliance monitoring are specifically referenced.
Report Customization Ability to customize reports for different stakeholders		No information available
Automated Reconciliation Tools for automated reconciliation of financial data		No information available
Disclosure Management Tools for managing financial disclosures		No information available
Regulatory Sandbox Environment for testing the impact of regulatory changes		No information available
Compliance Dashboard Real-time dashboard of compliance status across regulations		Real-time compliance dashboard is a cited feature.

Cloud Deployment Option Availability of cloud-based deployment options		Cloud deployment option available, as referenced in Intellect product brochures.
On-Premises Option Availability of on-premises deployment		On-premises deployment is available, per deployment guidance documentation.
API Extensibility Comprehensive API framework for system extensions and integrations		API extensibility and integration framework are mentioned as part of platform capabilities.
Processing Speed Speed of processing standard ALM calculations		No information available
Scalability Ability to scale with growing data volumes and complexity		The product claims enterprise scalability across data volume and complexity.
Core Banking System Integration Seamless integration with core banking systems		Integration with core banking systems is cited in integration documentation.
Data Warehouse Integration Integration with enterprise data warehouses		Integration with enterprise data warehouses featured in data architecture overview.
Real-Time Processing Support for real-time processing of transactions		Product supports real-time calculation and processing, especially for ALM and regulatory uses.
Third-Party Integration Number of pre-built integrations with third-party systems		No information available
Disaster Recovery Comprehensive disaster recovery capabilities		Product documentation highlights disaster recovery and business continuity options.
High Availability System uptime guarantee		No information available
Multi-Entity Support Support for multiple legal entities within a single installation		No information available

Intellect Treasury from Polaris Financial Technology

Product analysis by function

Asset and Liability Management for Treasury

Balance Sheet Management (7 Yes /7 Known /10 Possible features)

Liquidity Risk Management (3 Yes /3 Known /10 Possible features)

Interest Rate Risk Management (4 Yes /4 Known /10 Possible features)

Market Risk Management (3 Yes /3 Known /10 Possible features)

Fund Transfer Pricing (0 Yes /0 Known /10 Possible features)

Profitability and Performance Management (2 Yes /2 Known /10 Possible features)

Capital Management (5 Yes /5 Known /10 Possible features)

Data Management and Analytics (5 Yes /5 Known /10 Possible features)

Compliance and Reporting (5 Yes /5 Known /10 Possible features)

System Architecture and Integration (8 Yes /8 Known /12 Possible features)