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Regulatory Report Generator (RRG) is a comprehensive framework that automates the generation of regulatory reports for Credit Risk, Market Risk, Op Risk and Capital Adequacy as per various Central Banks' guidelines.

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Solution is interfaced with core banking data along with manual inputs required if any which is not available in CBS. 

Mapping of CBS data is done as per the bank's information on each reports. 

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User creation can be done and specific set of reports can be provided to access for specific users. 

Automate reports generation process at a given frequency (e.g. daily, weekly, fortnightly, monthly, quarterly, half-yearly, annually) as required by regulatory authority 

Allows establishment to maintain a proper process to minimize loss of information, detect anomalies early and help in audits and surveillance 

Improve maintenance of data by storing them in a most rational forma to reduce report generation time and improve quality of data 

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In today's volatile global market, staying compliant with an ever-increasing number of financial regulations can be a daunting task. Stay ahead of the curve with our Regulatory & Compliance solutions. Our innovative tools help you address evolving regulations for financial products, ensuring compliance in a volatile global market. With our tools, your reporting is always up-to-date, freeing up time for you to focus on growing your business.

Regulatory & Compliance Navigator

RRG - Regulatory Reporting for Central Bank

ECL Calculator is a comprehensive solution that helps banks in calculating Expected Credit Losses (ECL) in compliance with IFRS 9. The solution is flexible, configurable, and provides detailed reports to assist in impairment assessment and decision-making.

Support both Standard and IRB ECL calculation 

Asset groups (Portfolio) and Asset (Product) master creation 

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Support the external PD and LGD models  

Associating multiple staging rules criteria. For example, Days Past Due(DPD), Credit Rating Rules, PD based rules, Watch list rules etc.  

Support staging rules definition 

Maintenance of benchmark rates for present value calculations

Reconciliation and verification reports of Pre and Post batch run.

Manual override of stage category

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IFRS 9 - Expected Credit Loss

Behavioral Analysis (BA) enables banks to conduct historical analysis of the behavior of their products, in order to apply the right assumptions for Balance Sheet modelling.

De-trending of daily balances 

Provision of Backfilling 

Multiple Model Configurability 

Generation of multiple analysis results 

Support for stressed gaps 

Back testing 

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With our advanced Balance Sheet Management Solutions, you can effectively manage Liquidity Risk, Interest Rate Risk, Capital and model Customer Behavior. Our powerful tools let you simulate a wide range of scenarios at a granular level, giving you unprecedented insights into your business. Our solutions empower you to make informed decisions with confidence.

Balance Sheet Navigator

Behavioral Analysis

IRRBB solution helps financial institutions measure and manage interest rate risk in the banking book by calculating NII and EVE under different scenarios. It can be used as a separate or add-on module to the existing ALM system.

Ready reconciliation with the balance sheet. 

Beyond regulations - EVE by Buckets, EVE by product, and other analytics.

Account level drill down.

Flexibility & Parameterization - Input the rate shocks suitable to you 

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Monitoring the ratio of maximum loss impact to tier I capital

Rule framework to categorize products into amenable, less amenable and not amenable to standardization 

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BASEL – IRRBB

Surya's Data Harmonizer helps banks integrate data from multiple systems, ensuring accuracy and completeness, and streamlines data management processes.

Enables seamless integration with bank’s transaction systems 

Collects and processes data once and uses it for multiple applications 

Has built-in Cashflow generation programs for almost all types of Balance sheet and Off-balance sheet Products 

Is Super-Fast and Robust compared to competitors

Has Reconciliation and Data Validation tools built-in 

Substantial reduction of TCO

Rule Engine to aggregate cash flows into various chart of accounts for each module

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Surya's Data Harmonizer is an advanced solution for banks that simplifies data processing and management. It integrates data from multiple systems and creates a single, comprehensive file for use in Surya's analytical solutions. The Data Harmonizer converts data to required formats, reconciles it to the trial balance, and ensures accuracy and completeness. This solution streamlines data management processes and is suitable for large and small financial institutions. Its capabilities significantly improve efficiency and accuracy.

Data Harmonizer & Navigator

Data Harmonizer

RECON is Surya's elegant and versatile reconciliation system designed to handle multiple sources of data and simplify the process of reconciling transactions recorded in different systems. With a user-defined rule engine and pre-configured reconciliation parameters, RECON provides an efficient and accurate solution for financial institutions.

Define Reconciliation Process - Input files “File A” and “File B” are considered as input to define a reconciliation process 

     Maintain reconciliation rules - A series of reconciliation rules are stated to the system. Based on complexity of rules and data size, reconciliation runs may differ in the time they consume

Execute reconciliation - These rules are applied to data in for the two “File A” and “File B” of respective process. Reconciliation process can be scheduled at different times of the day, depending on input file availability. 

Manage reconciliation – (matched, unmatched, forcibly match / un-match). There are 4 categories in which an entry can appear: “all”, “matched”, “unmatched”, and “confirmed”. These are colour-coded to ease viewing.

The system also allows entry of a new transaction to adjust the unmatched transaction details so that unmatched transaction can be moved to the matched section.   

Reports and Management Information - Reconciliation status can be viewed under various heads and system reports. This is a summary of reconciliation status showing total number of matched and unmatched transactions and their corresponding total values. 

We also support bank level dashboard and reports to understand state of recon across multiple processes to give a birds-eye view of progress to take necessary actions on pending files. 

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Surya offers a comprehensive suite of products designed to enhance business efficiency and streamline operations. The suite consists of four powerful solutions: Fixed Asset Management (FAM), Procurement Expenses and Premises Management (PEPs), Corporate Treasury System, and Bank Reconciliation System. FAM helps businesses manage their assets effectively, while PEPs provides a simplified way to manage Procurement, Expenses, and Premises. The Corporate Treasury System helps businesses manage their Investments, Borrowings, Forex, Cashflow and Bank Relationship, while the Bank Reconciliation System streamlines the process of reconciling any two sets of data. With Surya's Enterprise Tool Set, businesses can improve their operations and stay ahead of the competition.

Enterprise Tool Set

Bank Reconciliation System

Surya's Income Simulator is a powerful tool for banks and financial institutions to simulate various net interest income scenarios and study potential outcomes, enabling decision-making and planning

Define simulation parameters

Enter Plans for contracted maturity COA

Enter Plans for Indeterminate maturity COA

Define parameters for rollover

Define parameters for premature closures

Run simulation

Assemble parameters into a RUN

Generate simulation reports summary

Generate simulation reports detail

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Income Simulation

BASEL III LR Module ensures daily regulatory compliance for financial institutions by accurately computing LCR, NSFR and related disclosures at a granular level.

The run-off of a proportion of retail deposits

A partial loss of unsecured wholesale funding capacity

A partial loss of secured, short-term financing with certain collateral and counterparties

Additional contractual outflows that would arise from a downgrade of  Bank/FI in the public credit rating by up to three notches, including collateral posting requirements

Increase in market volatilities that impact the quality of collateral or potential future exposure of derivative positions and thus require larger collateral haircuts or additional collateral, or lead to other liquidity needs

Unscheduled draws on committed but unused credit and liquidity facilities that the Bank/FI has provided to its clients. The potential need for the Bank/FI to buy back debt or honour non-contractual obligations in the interest of mitigating reputational risk 

Stress testing
The dynamic stress testing framework enables the application of stress to balances or changes in run-off factors to assess their impact on the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR)

Reverse stress testing
This evaluates the thresholds that systems can withstand and adjusts runoff rates as needed, such as applying higher runoff rates for retail deposits

Liquidity Ratios Projection
Evaluating daily basis projected LCR and NSFR considering contractual and anticipated positions.

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BASEL III LR

Surya's Corporate Treasury solution provides a comprehensive web-based solution for managing treasury operations, including trade finance, forex, investments, and cash flow management. It offers easy integration, an enhanced interface, and efficient platform for better management of working capital and financial risks

Web-based solution that can easily integrate with corporate intranet. This ensures quick deployment and business users can derive benefit from any location

Easy Integration

Easy-to-use, menu driven solution with intuitive graphical user interface and online help

Enhanced Interface

Allows attaching documents at every stage thus acting as a central document repository and at the same time ensuring enclosures of mandatory documents at every stage of operation


Flexible Documentation

Robust security management system with extensive audit trail management

Efficient Platform

Component-based structure enabling deployment of the solution in phased manner

Scalability

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CorpTreasury

To estimate the need of funds for future investment and expenditure, annual planning and periodic forecasting processes have to be carried out. With automation of actual, plan and forecast data collection, this system prepares annual plan budgets, periodic forecasts of costs and revenues, and compares performance with actuals.

Workflow-based budgeting on multiple budgets, drafts, comparisons, balance sheets, and associated profit and loss. 

Forecasting that includes market movements based on actual or budgeted data, statistical analysis, and business unit hierarchy 

Reports that provide comparisons between actual performance with budgets and forecasts, and on budget variances 

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Planning & Forecasting

Surya's operational risk product offers a comprehensive solution to manage operational risks in financial institutions. It includes modules for Incident Register, Risk & Control Self-Assessment, Key Risk Indicator and Issues & Action Management

Record a loss, potential loss or near miss within a business unit

Create a complete record of loss details including reassignment, recovery and approval

Provide ability for financial institutions to identify problems, concerns or change requests that affects the organization.

Identify Actions to resolve the identified Issues.

Identify Issues on Operational Risk activities like reported Incidents, breached Key Risk

Rectify, approve & close the incident.

Link losses to causes (risks and/or controls) for analysis 

Manage loss process through workflow and tasks

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Indicators, high Risks, ineffective Controls and others.


Provides Workflows for Action plan and approval for Issue closure.

Provides ability for search and filter on various parameters (Business Units, issue owner, completion date range etc.

Capture risk, control, assess risks, assess the effectiveness of controls and create assessment plans that affects the organization.

Localize Risk Controls based on Business Groups and Locations.

Provision to perform Risk and Control Assessments.

Workflow including Notifications to enable the routing of a risk or control to appropriate individuals.

Identify problems, concerns or change requests that affects the organization.

Link Controls, Loss, KRIs to Risk

Trigger Issues (and underlying action plans) to mitigate the risks & control failures which have been captured

Workflows for Action plan and approval for Issue closure.

Search & filter on various parameters like Business Units, issue owner, completion date range etc.

Flexible reporting with export functionality 

Define and measure KPIs and KRIs targets

Quantifiable metrics to assess performance and make strategic decisions.

Determine the risk level of an organization.

Drive performance improvement and risk mitigation by effective use of KPIs and KRIs 

KRIs focus on risk assessment and mitigation.

Workflows for Action plan

KRIs provide insights to strategically develop controls and processes to mitigate risks.

Quantify and organize data related to risks and controls

Regular monitoring and analysis of KPI and KRI data.

Align metrics with organizational objectives

Identify Issues on Operational Risk activities like reported Incidents, breached Key Indicators, high Risks, ineffective Controls and others.

Linking of Issue to existing Actions & Transfer Issue Ownership.

Workflows for Action completion reminders and approval for Issue closure.

Search and filter on various parameters (Business Units, issue owner, completion date range etc.)

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Accurate and efficient risk management practices are essential for financial institutions to succeed in today's ever-changing financial landscape. Surya offers advanced automation tools designed to streamline risk management processes and facilitate the measurement of various risks including Market, Operational, and Credit Risks. These solutions enable institutions to reduce errors, streamline workflows and processes across the organization. Whether you're a small or large financial institution, our solutions can help you improve your risk management practices, ultimately leading to increased efficiencies and a stronger competitive position.

Risk Navigator

Operational Risk

SMERATE is a credit rating framework that simplifies the loan approval process by integrating loan applications with risk-scoring models and workflow. It offers multiple scoring models based on both quantitative and qualitative attributes, providing an efficient and objective approach to assessing creditworthiness.

SMERATE

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