about maybank

Maybank is the largest company by market capitalization in Malaysia and is among the Forbes Global 2000 leading companies of the world. It offers a comprehensive range of products and services that includes commercial, investment, Islamic and offshore banking, leasing and hire purchase, insurance, trustee services, asset management, stock broking and venture capital.

Growing business needs are the driving force

Rating Credit Risk

Maybank in Indonesia envisaged replacing their existing risk rating system with a robust and flexible software solution to meet the growing needs of its business. The new desired system was expected to establish a foundation for the bank to build rating models, which meet the Basel II IRB approach.

Challenge

Implementing Stress Tests

The new rating system was expected to be agile, flexible and dynamic in order to implement current and future requirements of the rapidly changing industry. Another important requirement was simulation capability to predict portfolio behavior with changes in market parameters.

Objectives

  • Implement a credit rating system that meets the requirements of Basel II IRB approach
  • Achieve efficiency in business process and output accuracy
  • Low efforts in development and maintenance
Solution

Collaboration of Business and IT

The Credit Risk Management solution, based on ACTICO’s business rules technology, offers a robust, scalable and centralized platform, with end-to-end risk assessment process support. As the platform empowers business users to manage their credit risk rating models independently, a joint team of business and IT users were quickly able to master the entire lifecycle management of rating models. Scope of the assignment included:

  • Credit rating model development for corporate and retail segments
  • Workflows for the rating approval process
  • Generation of data for credit rating approval reports, credit portfolio related reports and audit reports
  • Batch processing of PD, EAD, LGD
Impact

Seamless Integration With Legacy Systems

The platform allows seamless integration with the existing enterprise IT architecture. Data can be extracted for scorecard calculations and the rating data can be provided to the bank’s enterprise data warehouse, thus minimizing the overall response time and digitally transforming the credit scoring process.

great performance of the credit risk platform at maybank

Why ACTICO met Maybank’s demands

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