Credit Base Line Profile March 09

Company Profile Credit BASELine ‘ A commercial credit portfolio management system for the Basel II empowered financial institution, in a post sub-prime credit world’ www.CreditBaseLine.com March 2009

Agenda ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

What is Credit BASELine ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Who is Credit BASELine ,[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

The Key Members of the Team ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Why CreditBaseLine ,[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Credit BASELine Services ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Data Warehouse ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

CreditBaseLine March 2009 Round the Clock Credit Portfolio Management Credit BASELine – Functionality

Credit Portfolio Management – Round The Clock CreditBaseLine March 2009

Step 1. Credit Navigation Customer Data Mining ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Step 2 . Credit Navigation Customer Financial Analysis ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Step 3. Credit Navigation External Credit Benchmarking ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Step 4. Credit Navigation Internal Credit Risk Grading Portfolio System ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Step 5. Credit Navigation Deal Entry and Risk Adjusted Pricing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Step 6. Credit Navigation Commercial Loan Application Form ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Step 7. Credit Navigation Deal Pipeline Tracker ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Step 8. Credit Navigation Annual Review Prioritisation ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Step 9. Credit Mapping Credit Risk Quantification ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Step 10. Credit Mapping Portfolio Scenario and Stress Testing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Step 11. Credit Mapping Portfolio Scenario and Stress Testing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Step 12. Credit Mapping Portfolio Reporting Tools ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Step13. Credit Mapping Dashboard Controls ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Credit Baseline Technical Architecture CreditBaseLine March 2009 Oracle Database ,[object Object],[object Object],[object Object],[object Object],[object Object],Data Warehouse Web front end (Oracle Application Express) Auto Data Feeds - Current Lending Portfolio (all portfolios) - Risk Models - Customer financials (optional) The Bank User ,[object Object],[object Object],[object Object],[object Object],[object Object],User Applications - Loan Origination - Portfolio Analytics Credit Risk Management) Performance Management

The BI Environment CreditBaseLine March 2009 Data Warehouse (Oracle Discoverer or other) Ad Hoc Reporting Developed by staff as required in user-friendly environment as required for specific one off analyses Users Requirements “ Imagine seeing a coral reef from a new glass bottomed boat, and you get an understanding of the richness of the vision, now available within your credit database” Quoted by Credit BASELine Director Michael Oswald ,[object Object],[object Object],[object Object],[object Object],Extensive ‘Slice and Dice’ capabilities accessible from function specific Dashboards for:

Credit BASELine – Credit Portfolio Risk Management with a Basel II Focus CreditBaseLine March 2009 Credit BASELine ,[object Object],[object Object],[object Object],Web Application ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

Credit BASELine Commercial Loan Origination CreditBaseLine March 2009 Credit BASELine ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],Web Application ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object]

CreditBaseLine Software Demo Demo CreditBaseLine March 2009

Future Development of a New Main Menu CreditBaseLine March 2009 ,[object Object],[object Object],[object Object],[object Object],[object Object]

Future Workplace ,[object Object],CreditBaseLine March 2009 User Workplace Baseline Server Manage loans Credit BASELine Portfolio Analysis Risk Migration BI Server BI Dashboard

Credit Portfolio Management - Modules ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Pricing ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

The Way Forward ,[object Object],[object Object],[object Object],[object Object],[object Object],[object Object],CreditBaseLine March 2009

Credit Base Line Profile March 09

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