The ARTE of managing the pricing
ARTE is a a full open web application that enables verification of the economic impacts of a new transaction on loan products (Hurdle rate calculation) on the client's overall profitability situation, determining a risk-adjusted selling price.
Benefits
Reduction of branch operational timeframes in credit disbursement
Tracking of the pricing and income statement determination logic for the proposed transaction
Simplified levels of autonomy, based on the discounting of the expected profitability of the transaction
Unique Selling Proposition
Regulatory compliance with BASEL III+
Availability of a proprietary Risk engine for the calculation of risk components (RWA, managerial/regulatory LGD)
Departmental and distributed application, integrable with the main financing conditioners (Elise, Ge.Co)
The value proposition
ARTE determines in real time the Risk-Adjusted selling price of a loan, based on the customer's characteristics and the profitability of the credit facility, in compliance with Basel regulations. The solution is integrated with the pricing engine and eliminates the use of Excel spreadsheets for evaluations.