Bank Capital Management
ERM (enterprise risk management)
FlexFinance supports the treasury, risk management and liquidity planning. Not only the actual payments are analysed and calculated, but also cash flow scenarios, market data scenarios and business scenarios are supported and rounded off by stress tests.
IRRBB, interest rate gap analysis und sensitivity, PV, expected cash flows, net interest income, maturity gaps, LCR, NSFR, eligible liquid assets ratio (ELAR), concentration risk, counterbalancing capacity (CBC), VAR and much more.
Balance sheet forecast
A Japanese saying states that everyone has three faces: one that is shown to the world, one that is shown only to the closest relatives and friends, and one that is not shown to anyone and that belongs to the individual alone. Balance sheets are very similar – but how do you go from the private to the public face in a corporate context? We have developed a software that enables reliable forecasts of a bank’s balance for future posting dates. FERNBACH ensures that economic reality and transparency are observed in forecasted balance sheets.
Recurring payments?
Our AI knows!
More and more companies are relying on business models with recurring payments in the form of subscriptions, instalments and similar concepts. Defaults and/or delays in these payment flows often pose a significant economic risk to the respective provider. FERNBACH has developed an AI procedure that can be used to predict the future payment behaviour of customers.
