Specialist Analytics

Working with credit, risk, and capital analysis many complex analytical challenges arise. Part of the AQBanking solution suite is dedicated to support specialists in solving such analytical tasks/problems. It helps automate manual and ad-hoc tasks and perform them systematically and very fast - allowing for more efficient use of resources.

Modules dedicated to specialist analytics

1

Data-driven client segmentation

Understanding client characteristics and segmenting clients based on their similarities is an important task in banking. Having a solid client segmentation program enables systemic, uniform, and strategic management of clients – making business optimization feasible. It allows for many business applications like pricing, fee structures, strategic tuning, dedicated campaigns, special risk, and potential considerations and so on.

2

Visualizing client characteristics

Having many thousands or even millions of clients it can be a difficult task to thoroughly understand differences and shared characteristics across clients.

3

Credit quality migration

Understanding how credit quality has migrated over a period is of high importance in banking and it helps understand how the riskiness of the credit portfolio has evolved and whether or not credit quality has improved or deteriorated.

4

Long term credit quality cycles

Understanding the development of credit quality across (long term) credit cycles and where you currently are in the cycle are important input to optimally perform strategic credit portfolio management.

5

Credit concentrations

Managing concentration risk is of key importance in banking. Everybody knows not to put all their eggs in one basket – that’s basically what managing concentration risk is all about. Although it seems basic, concentration risk has been on the forefront and a fundamental driver in many financial crises.

6

Credit parameters

When performing credit analyses and credit risk calculations several credit parameters are needed. The AQBanking solution suite supports estimating these parameters empirically or based on statistical models.

7

Risk and capital adequacy calculations

The AQBanking solution suite supports internal portfolio credit risk assessments. The risk calculations include several advanced portfolio risk models that are simulation or analytical based and includes wide modelling flexibility. The internal models automatically handle concentration risk appropriately.

Explore other solutions

OpRisk Excellence

Running professional operational risk management requires solving very diverse tasks. The AQBanking solution suite includes a unique operational risk framework that combines these tasks in an easy-to-use solution - making it possible to perform effective and high-quality operational risk management with few resources.

Optimizing Core Banking

The AQBanking solution suite makes it easy to optimize the core banking business. The solution allows for much enhanced use of data, analytics, and modern technology. Bank advisors are supported in assessing and pricing clients optimally, while management and staff specialists can assure profitability targets are met.

What our clients say

"The AQBanking solution suite creates great value through a stronger understanding of the relationship between pricing and risk, which strengthens the profitability of the bank"
Frank Mortensen
CFO
Arbejdernes Landsbank
"The AQBanking solution suite is a user-friendly and easily accessible solution that brings great value and understanding to individual advisors, departments and management on the relationship between pricing and capital charges."
Nikolai Krogh-Hansen
Head of Corporate Banking
Sparekassen Thy
"With the AQBanking solution suite, we now have a framework that allows us to get a quick and easy overview of earnings on different customer segments. This applies at individual and portfolio level."
Per Smith
Head of Business Development
Fynske Bank
"The AQBanking solution suite is an intuitive and user-friendly framework for the individual employee and contributes to an efficient everyday life for the bank's corporate advisors."
Frank Mortensen
CFO
Arbejdernes Landsbank
"AQRISK provides competent support on a daily basis and acts as a good sparring partner during both the implementation process and once the application has gone live."
Frank Mortensen
CFO
Arbejdernes Landsbank
"The AQBanking solution suite has already shifted the understanding of department managers and financial advisors, towards a holistic view of the profitability of a customer or customer group."
Nikolai Krogh-Hansen
Head of Corporate Banking
Sparekassen Thy
"The AQBanking solution suite has allowed us to ensure that profitability on clients are valued more consistently across the bank."
Per Smith
Head of Business Development
Fynske Bank
"We find that AQRISK has a strong focus on continuously developing and improving the application in collaboration with the banks. The development and implementation of concrete improvement proposals is very rapid."
Frank Mortensen
CFO
Arbejdernes Landsbank
"With the AQBanking solution suite, we can continuously monitor the profitability of our customers and more quickly identify customers who have been priced incorrectly."
Per Smith
Head of Business Development
Fynske Bank
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