Steer ALM, capital, stress testing and credit scoring in one integrated platform, built on proven, auditable risk models your regulators and auditors can trust.
Intervalle Risk brings ALM, capital, stress testing and credit scoring together in one platform. The four modules share the same data, the same risk models and the same calculation engine, for a consolidated, consistent view of balance-sheet risk and credit risk alike.
A platform published, deployed and operated by Intervalle, integrated with your core banking system and your data warehouse.
Each module opens the same working environment, with a dashboard dedicated to one risk. All are built on the same data, the same models and the same calculation engine.
Asset-liability management of the balance sheet — interest-rate gap, liquidity gap and net interest margin sensitivity, steered within limits.
Capital forecasting and capital adequacy — CET1 trajectory, RWA and buffers, under regulatory constraint.
Shock scenarios and VaR — base, adverse and severe — to measure the resilience of capital and ratios under stress.
Credit scoring and probability of default — the portfolio score distribution and average PD, in the service of origination.
Module shared with the credit lifecycle — the same scoring engine feeds the origination decision on the credit-risk side.
Explore the module →Risk models, data and methodologies in partnership with Moody's and Avati. A platform published by Intervalle, enriched with proven references for modelling, rating and stress testing.
From modelling to prudential reporting, complete coverage of balance-sheet risk.
PD, LGD and EAD models calibrated on your data, governed and documented end to end.
A single calculation engine for RWA, VaR and group-wide exposure aggregation.
Base, adverse and severe shocks applied to the balance sheet, with impact measured on capital and ratios.
CET1 and buffer trajectory, projected under regulatory constraint and budget assumptions.
Interest-rate and liquidity gap, net interest margin sensitivity and balance-sheet limit steering.
Basel regulatory returns, COREP and disclosures generated automatically from the risk foundation.
Faster calculations, complete coverage and better-informed committee decisions.
Balance-sheet risk and credit risk brought together on a single data foundation.
A shared engine that sharply cuts calculation and reporting times.
Risk models that are calibrated, governed and backed by market references.
Scenarios replayed on demand, with no re-entry or manual rebuild.
Aligned, traceable prudential reporting, ready for audit and the regulator.
A risk committee fed with consistent, up-to-date and shared indicators.
Indicative orders of magnitude, varying with context and scope.
A controlled deployment, from data quality to prudential reporting.
Feeding the risk foundation from core banking and the data warehouse, with quality controls.
Calibration and governance of PD, LGD, EAD models and ALM parameters.
RWA and VaR aggregation, capital projection and stress-test execution.
Reporting to the risk committee and generation of Basel prudential returns.
Take Sara Malou, a Risk Analyst preparing the risk committee. In a few clicks she consolidates the prudential ratios — CET1, LCR, RWA — replays an adverse scenario on capital and compares the CET1 projection against the regulatory requirement. The risk map flags the points to watch, the Credit Scoring module confirms a PD under control, and the committee pack is ready, consistent and traceable — with no manual consolidation across four tools.
Six stages of the customer lifecycle — from onboarding to collections, through to improving the customer experience — resting on a cross-cutting foundation of automation and data that connects them and improves them continuously.
From the first interaction to account opening: smooth, compliant onboarding for individuals and businesses alike.
Learn more →Accounts, products, cards, accounting and treasury on the Infosys Finacle suite, implemented and operated by our teams.
Learn more →Secure, compliant payment journeys: electronic wallet, mobile banking and card switch.
Learn more →Two dimensions under control: credit risk across the lending cycle, and balance-sheet risk (ALM, capital) steered at bank level.
Risk management steers the balance-sheet risk of this financing stage.
Learn more →In the event of default, our solution automates the collections process — through to litigation management when needed.
Learn more →Data and automation in the service of the relationship: anticipate churn risk and deliver highly personalised experiences that raise satisfaction and revenue.
Learn more →Request a demo: we walk you through the platform and its four modules — ALM, Capital Forecasting, Stress Testing and Credit Scoring — on your ratios and your scenarios. Leave us your details and an expert will get back to you.