CALM 20 (Contextual ALM 20)

Intellect announced the launch of CALM 20 (Contextual ALM 20), a contextual ALM platform that enables financial institutions to have a holistic view of Balance Sheet, monitor and manage liquidity risk and interest rate risk, perform stress testing and ensures regulatory compliance through liquidity monitoring tools. Asset Liability Management plays a critical role in weaving together the different business lines in a financial institution. Managing liquidity and balance sheet are crucial for the existence of a financial institution and sustenance of its operations. Built on robust principles of Design Thinking at the R&D innovation lab at Intellect, CALM 20 value chain is a powerful combination of

  • Coherent Data Fabric for seamless data integration
  • 6 Balance Sheet Risk Algorithms providing integrated risk impact
  • Advanced analytics for informed decision making

Intellect CALM 20 has an intuitive UI to define risk appetite of the financial institutions. It covers behavioral quantification, Stress Test and Risk Algorithms including static, dynamic and interest rate sensitive gap, market and economic value and many more. Interactive dashboards enable decision makers assess the impact of changes in balance sheet values as well as examine the impact of strategic decisions on the numbers. Dynamic visualizations enable banks explore large portfolios , drill down to granular results and create customized dashboards. CALM 20 provides the user with ready tools to evaluate the impact of changing business strategy, market rates and customer behavior. It is also compliant with latest regulatory guidelines, policies and limits prescribed by central banks globally, including mandates by the Reserve Bank of India. The latest guidelines stipulated by the RBI in November 2019, for NBFCs is also fully addressed and complied with. Being Basel III compliant helps the solution adapt to new jurisdictions and respective central bank regulations with minimal time and resources.

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