ASSESS CREDIT RISK, MONITOR PORTFOLIOS, AND IMPROVE RISK-ADJUSTED PROFITABILITY
One of the biggest challenges affecting retail and commercial banks today is the need to balance exposure to credit risk with sustainable profitability. In fact, failure to do this was one of the leading triggers of the recent financial crisis that ultimately caused the demise of even the most seemingly infallible banking behemoths. As a result of this breakdown in the system, regulators are now placing additional pressure on banks to meet higher capital requirements and increase liquidity buffers. This is expected to increase costs of doing business significantly and therefore directly impacts a bank’s ability to maintain risk adjusted profitability.
SunGard can help. SunGard’s Ambit Credit Risk Management solution suite is comprised of category-leading software and specialized risk consulting that helps commercial and retail banks increase their risk-adjusted performance through better lending decisions, effective credit portfolio monitoring and efficient capital allocation. This is all achieved while staying compliant with ever more stringent regulatory standards.
SunGard’s Ambit Credit Risk Management solution achieves this through four main components:
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