General introduction to InfraRisk - a company supplying solutions to the banking industry for better managing the credit process.

1. Credit Value Maximizer
InfraRisk Introduction
2014
InfraRisk

2. Who we are
Mission Statement:
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Provide the infrastructure that enables our
clients to effectively manage credit risk.
Active globally, Headquartered in Australia.
Personnel experienced in both the banking and technology industries.
Build relationships with clients on strategic & operational levels.
Provide Systems, consulting and training solutions.
InfraRisk delivers solutions to address 3 key areas:
Measure Risk
Before Risk can be
managed, it must be
measured.
Optimise Return
Generating
superior
returns, requires
superior
information
Efficient Origination
Integrated analysis
templates, approval
workflows and policy ensure
faster time to market
InfraRisk

3. The CVX Platform
The InfraRisk CVX platform helps bankers:
• Achieve Faster Turnaround Time
• Lower Cost to Income
• Increase Net Interest Margins and
Fee Income;
• Support introduction of Basel
standard Risk processes; and
• Maximise advanced data and analytic
processes
CVX delivers the many activities
undertaken within a bank to prepare
and process a credit submission. It
ensures that Head Office areas can
define policies & procedures as well
as Risk measures & Pricing strategies
– that are then used by the Front Line
InfraRisk

4. CVX Overview
Integrating key steps in the lending process can see the time to prepare a
submission reduced by over 30% leading to:
• faster time to market
• lower cost to income
whilst meeting regulatory requirements, reducing rework and ensuring policies
& procedures are consistently applied.
InfraRisk

5. CVX Business Model
The CVX Structure enables InfraRisk to deliver a solution, highly
parameterised to a particular Bank’s processes & procedures.
InfraRisk recognises that credit Processes & Procedures are particular to
a Bank and reflect it’s own Risk Culture. At the same time, the steps taken
can be embedded in a consistent structure – as per the tabs below:
Banks typically have
many different
Application
processes &
templates. These
are parameterisable
& selection initiated
automatically
Bank Product
structures are
reflected here.
Existing Facilities
imported from
Core systems.
Chart of Accounts
appropriate to the
deal is applied
based on Borrower
segment / size
etc..
Typically highly
bank specific,
templates for
Analysis replace
usual MS Word
based forms
Segment specific
Rating models
from SME to
Corporate to Bank
etc… can be
delivered
InfraRisk

6. CVX in a Retail application
• Focus on Retail origination is for
efficiency and time to market.
• Dashboard enables users to see
where deals are at, and initiate
actions.
• Platform supports deals
approved at branch, or requiring
head office.
• System caters for multi product
applications, includes advanced
scorecards, can be cloud hosted, and is
driven by bank specific policy.
• Further detail is available if updated
information is required and to support the
fulfilment process.
InfraRisk

7. CVX reflects the Value Tree
InfraRisk

8. Technical Architecture – Traditional
InfraRisk

9. Technical Architecture – Cloud
Microsoft IIS 6.0 or higher
.NET 2.0
, ASP, ASP .NET
.NET 2.0,
VB, C#
Microsoft SQL
2005 Enterprise
Edition (Option
for Oracle or DB2)
Windows
Server 2003
Enterprise
Edition SP2
Mainframe and
other hosts
Windows XP Professional SP2,
or better
Thin : IE6 or better
Transport (HTTPS/HTTP)
InfraRisk

10. Our Cloud Offer
Bank provides
basic Info
• Credit submission
templates in
Word /Excel etc..
• Product list
• Approval levels &
workflow
Configure
• InfraRisk will
parameterise the
system
• Delivery in just 4
to 6 weeks
Trial
• Bank can trial the
system for 1 month
at no cost
• Credit submissions
available in hard
copy, exactly as is
• Data owned and
downloadable by the
Bank
Advantages
• Zero project risk ability to access tools &capabilities used by
global, Advanced IRB accredited banks
• Tactical or strategic solution flexible enough for large scale deployment, or
smaller operations like offshore offices
InfraRisk