Intelligent evaluation

Risk management penetrates through all directions of banking activity. Risk denotes probability of the event that will influence the bank's profit or capital. A number of financial risks is connected with active operations, primarily with credit and investment activity. Attraction of funds to deposits, securities and in the form of remainders on settlement and current accounts is also connected with lots of risks. The activity of operational branches, IT functionality and realization of marketing functions contain certain functional risks, that can negatively influence the bank's profitability and capitalization.

What approaches to employ for efficient risk management?

Challenges and Solutions

Risk management is a key part of overall strategic bank management. This task affecting the activities of any department or branch of the bank can be successfully performed through creation of specialized risk management systems. Risk management depends on reliability, timeliness and accuracy of information.
Commercial Risk Analysis

Analyzing commercial risk levels, bank managers can simultaneously access and analyze data from diverse sources. Managers in thousands of branches can ensure that their deals conform to bank standards.

Global Risk Analysis

To track global market and credit risk exposure Zept Group offers the cutting-edge methodological approaches and solutions which let the banks distribute global account information to traders and stay within required risk tolerances.

Basel II

The largest world banks use software and methodological solutions for risk management and corresponding capital requirements regulated by the Basel II Capital Accord.

Zept Group allows banks to establish default probabilities for each customer, decide whether to grant credit, and then continuously monitor the needed capital coverage.

Monitoring and Fraud Detection

Zept Group helps banks to use analysis and reporting capabilities for fraud detection. This helps the bank to uncover trends and prevent fraud to reduce its operation risk.