ACP Overview

[Virtual Presenter] Good day, everyone. Today, we're going to explore the Axe Credit Portal, commonly known as ACP. This cutting-edge software is built with a modern and flexible framework that makes it easy to deploy and ensures a quick return on investment..

[Audio] Let's learn how this innovative AI-powered solution can transform the entire landscape of lending operations. But first, let's see what the ACP is good for. It is built with modern architecture, meaning deployment into your systems is fast and smooth. With minimal disruption to the bank's team, which is the fastest way to reap the benefits. But here comes the beauty in ACP. Statistics demonstrate that lenders using ACP realize a considerable increase in origination volume and actually by 35%. Besides, ACP can reduce turnaround time by a humongous 60%. You are now able to process those loans 60% faster. But wait, there is something more. ACP also helps to collect money more efficiently. We are talking about improving the rate of collection by 70%. And that directly converts into increased revenue. In fact, when talking about revenue, ACP can reduce write-offs by 30%. Money saved! But let's get back to the bank's team. Think about how much more productive they could be if they didn't have to spend so much time on manual work. ACP eliminates 40% of your team's time, which means they can concentrate more on strategic matters like, for example, building relationships with the clients and business growth. And in modern business realities, speed is a crucial factor. With ACP, banks can launch new loan products a whole lot faster (up to 66% faster). And here is how the user-friendly ACP looks. As you can see, there is a task inbox to arrange your duties and credit monitoring dashboards to ensure real-time information..

[Audio] ACP ensures the growth of all lending activities due to the following advantages. Firstly, with the help of ACP, there is the ability to become competitive and secure target accounts by slashing turnaround time. The customers will get responses quickly to their requests, and the time to market will speed up while retaining customer satisfaction. Secondly, through ACP, performance can be optimized. This is done by reducing the number of manual processes, enhanced reactivity, and increased efficiency as the cost/income ratio is lowered. Thirdly, ACP enhances the evaluation of the risk because of full adherence to policies and the bank's processes for loans. The risk assessment is locally and internationally compliant with Basel II and III, and also IFRS (International Financial Reporting Standards) for processes, risk assessments, and portfolio management. Fourth, there is compliance with this regulation through full adherence to the banks' lending policies and processes. The requirements of the local and international regulators are met, and, in turn, comprehensive risk assessments and portfolio management are undertaken. Fifth, operational risk can be reduced owing to the acceleration of credit analysis processing without credit quality being hurt. Additionally, it reduces operational risk through more stringent document integrity and less loss of data from excess paperwork. Finally, ACP guarantees a seamless customer experience. This is an omnichannel customer centricity platform. Therefore, with ACP, the bank, customers, and all stakeholders are integrated into a single flexible and scalable lending digitalization platform. Included in the functions are web-based ACP (wACP), mobile ACP (mACP), customer ACP (myACP), and partner ACP (pACP)..

[Audio] Now, we will introduce you to the varied and dynamic world of the various business segments at ACP. We cater to a large number of financial needs through our segmented approach, that ensures targeted and effective solutions. Let us begin with the first: Retail Lending. This segment is directed at offering basic financial services to people through personal loans, credit cards, and mortgage loans. Our objective here is to facilitate personal financial growth and stability with products that are tailor-made to meet individual needs. Next comes Corporate Lending, in which we meet the needs of large businesses, with offerings in both single product applications and multi-purpose applications. Next comes Commercial, SME, and Microfinance the segment that is vital for the small and micro-entrepreneurs. By offering both single product and multi-purpose applications, we empower small and medium enterprises to be vibrant and growing, contributing substantially to the economic development of the area. Another critical segment is Institutional, FI, and Sovereign lending. Here, we provide multi-purpose applications designed to meet the unique needs of financial institutions and sovereign entities. These solutions are made to support large-scale projects and initiatives that entail huge financial commitments and flexibility. Finally, we have the Specific Lenders with multi-purpose applications. This segment is meant for lenders that have specific requirements not catered to by the conventional categories. Through our customized financial solutions, we ensure that every lending need is met with precision and efficiency. In conclusion, the various business segments of ACP have been structured to provide comprehensive and versatile financial solutions across a wide spectrum of needs. From individuals to corporations to small businesses to financial institutions and specific lenders, we are committed to delivering customized products that drive success and growth..

[Audio] AxeCorporate Lending First, let's explore the module dedicated to Corporate Lending. This module seamlessly integrates several crucial processes. Starting with KYC and Client Onboarding, our platform ensures that the Know Your Customer process and onboarding are both efficient and compliant. When it comes to Origination, we provide an end-to-end solution that supports every step, from the initial touch on any loan application to the final disbursement note. Our Credit and Risk Analysis and Write-up feature offers deep analysis and thorough documentation of credit risk, enabling active decision-making. We have structured workflows for Approval Processes and Delegation of Authority, ensuring approvals are managed with the proper delegation. With Risk-Based Pricing and Facility Risk Rating, our system provides dynamic models for accurate pricing and risk ratings. The Obligor Risk Rating, PD (Probability of Default), and LGD (Loss Given Default) are focused on analyzing the probability of default and potential loss in such scenarios, which are critical inputs for risk management. Our Credit Admin and Documentation processes ensure smooth handling of administrative tasks, maintaining clear records. Facility Sanctioning and Covenant Management & Monitoring are backed by strong mechanisms for compliance enforcement. Lastly, our Limit Activation feature simplifies the activation of credit limits. AxeLimit & Collateral Management Moving on to our Limit & Collateral Management module, it is designed to handle complex and flexible structures with ease. Managing different limit structures becomes straightforward. Pre-deal Limit Checking and Limit Monitoring ensure compliance before and during the deal, while Excess Management effectively handles limit excesses. Throughout the Limits Lifecycle and Portfolio Concentration Analysis, our system monitors the entire lifecycle and concentration risks. Collateral Perfection, Revaluation, and Documentation ensure that all collateral is perfected, revalued regularly, and well-documented. Renewal and LTV (Loan-to-Value) Monitoring streamline the renewal processes and maintain loan-to-value arrangements. Additionally, our system manages the Release and Realization of collateral, handles deferrals, and tracks important dates efficiently with Tickler Tracking. AxeCommercial Lending Next, the Commercial Lending module focuses on boosting operational efficiency and risk management. It begins with comprehensive KYC and Client Onboarding and Origination workflows. The Eligibility Engine and Financial Scoring accurately assess eligibility and financial health. We offer tailored pricing models through Risk-Based Pricing and detailed risk assessments with Credit Analysis and Write-up. Approval Processes and Delegation of Authority are streamlined, ensuring clear delegation for approvals. The Facility Risk Rating feature provides in-depth risk ratings of facilities. Our module also simplifies Credit Admin and Documentation, Limit Activation, and the loan disbursement process. AxeRetail Lending Lastly, our Retail Lending module caters to the unique needs of retail borrowers. We ensure smooth KYC and Client Onboarding and Origination processes. The Eligibility Engine and Financial Scoring evaluate the financial health of borrowers accurately. Behavioral Scoring and Product-Based Scoring offer insights into borrower behavior and product-specific scoring. Risk-Based Pricing, along with Credit Analysis and Write-up, provides effective risk-based pricing and detailed credit analysis. Our module ensures smooth Credit Admin and Documentation, leading to hassle-free disbursement of loans..

[Audio] ACP Loan Servicing Continuing with the modular integrated solutions of ACP, we now turn our attention to Loan Servicing, which is a critical aspect of our comprehensive platform. Our system automates key servicing events, significantly reducing manual intervention and errors, ensuring a more seamless operation. Efficient management of the entire loan lifecycle, from origination to closure, is at the heart of our Loan Lifecycle Management feature. Payment Processing is handled seamlessly, ensuring all payment processes are timely and accurate. We keep track of all account-related activities and maintain precise records through our Account Management feature. Collateral Perfection ensures that all collateral is properly perfected and documented, adding an extra layer of security. Monitoring and enforcing compliance with all loan covenants is made easy with our Covenant Compliance Tracking. We facilitate clear and effective communication with borrowers through our Customer Communication feature, and organize and manage all loan-related documents efficiently with our Document Management system. Additionally, insightful reports and analytics generated by our Reporting & Analytics feature support decision-making and ensure regulatory compliance. AxeEWS (Early Warning System) Next, let's discuss the Early Warning System module, designed to proactively identify and manage risks. By monitoring key risk indicators, we can detect potential issues early. Our Financial Scoring evaluates the financial health of borrowers with precision, and our Credit Analysis & Write-up feature allows us to conduct thorough credit analyses and prepare detailed write-ups. Ensuring ongoing compliance with loan covenants is streamlined through our Covenant Management & Monitoring feature. Portfolio Concentration Analysis helps manage risk exposure by analyzing portfolio concentration. Real-time Risk Detection allows us to detect risks promptly, enabling quick action. Our Dynamic Risk Management strategies adapt to changing risk landscapes, and Automated Risk Alerts provide timely notifications for potential risks, ensuring timely interventions. AxeCollection & Provisioning Lastly, let's look at the Collection & Provisioning module, which focuses on efficient collection processes and accurate provisioning. Collection Automation improves efficiency and recovery rates by automating the collection process. The Workout & Recovery Process streamlines the handling of distressed loans, while Remedial & Litigation Actions are managed effectively. Portfolio Bucketing categorizes and manages the loan portfolio for better control and analysis. NPL (Non-Performing Loans) Classification ensures accurate management of such loans. Automated Provision Calculation ensures compliance with regulatory standards by automating the calculation of provisions. Finally, managing both Individual Provisions and Collective Provisions is made efficient with our robust system. These modules collectively form a powerful solution that enhances the efficiency, compliance, and risk management capabilities of your lending operations..

[Audio] Thank you all for being here today. I hope you found the ACP Overview helpful and informative. If you have any questions or need more information, feel free to reach out. Thanks again for your time and participation. Have a great day!.