Project your CET1 and RWA across multiple years and regulatory scenarios, and plan your capital needs with precision, from baseline through to stressed outcomes.
The Capital Forecasting module projects your capital trajectory — CET1, Tier 1 and total ratio — against evolving RWA and regulatory requirements. Every projection can be replayed under a central, adverse or budget scenario to inform capital decisions.
A module of the Risk Management platform, built on the same data foundation, models and calculation engine as ALM, stress testing and credit scoring.
One platform, four modules that share the same data, models and calculation engine. Capital forecasting works hand in hand with ALM, stress testing and credit scoring for a consistent view of balance-sheet risk.
Two views at the heart of the module — the CET1 projection set against target and requirement, and the capital plan backed by the RWA projection.
The CET1 ratio trajectory over the horizon, framed by the internal target and the regulatory requirement, with the buffer it releases.
The multi-year capital plan — CET1, RWA and buffer by year — backed by the RWA projection by risk type.
From CET1 projection to regulatory reporting, complete coverage of capital forecasting.
CET1, Tier 1 and total ratio trajectory across multiple years, under regulatory constraints and budget assumptions.
Evolution of risk-weighted assets — credit, market and operational — projected in line with activity and the balance sheet.
Build a multi-year capital plan — earnings, dividends, issuance — with a capital walk and simulated trade-offs.
Track conservation, countercyclical and systemic buffers, and the margin released above the overall requirement.
Projections replayed under central, adverse or budget scenarios, with sensitivities to key capital drivers.
Capital adequacy statements and capital projections generated from the risk foundation, ready for audit and the regulator.
A clear capital trajectory, buffers under control and better-informed allocation decisions.
The CET1 projection set against target and requirement, on a single screen.
The margin above the overall requirement, tracked period by period.
Projections replayed on demand, with no manual rebuild.
A consistent multi-year plan, ready to present to the risk committee.
Capital trade-offs fed by a detailed RWA view by risk type.
Traceable adequacy statements, aligned with prudential requirements.
Indicative orders of magnitude, varying by context and scope.
A controlled rollout, from data and assumptions through to regulatory reporting.
Feed the foundation from the core banking system and the warehouse, and frame earnings, balance-sheet and distribution assumptions.
Project capital and RWA from governed models, consistent with ALM and credit scoring.
Run projections under central, adverse and budget scenarios, with sensitivities to key drivers.
Build the capital plan, report to the risk committee and generate adequacy statements.
Capital forecasting draws on the same data and models as ALM, stress testing and credit scoring. Keep exploring.
Asset-liability management of the balance sheet — interest-rate gap, liquidity gap and net interest margin sensitivity, under limits.
Explore the module → MODULE 03Shock scenarios and VaR — baseline, adverse and severe — to measure the resilience of capital and ratios under stress.
Explore the module → MODULE 04Credit score and probability of default — portfolio score distribution and average PD, in the service of lending.
Explore the module →Six stages of the customer lifecycle — from onboarding to collections and on to a better customer experience — resting on a cross-cutting automation and data foundation that connects and continuously improves them.
From first interaction to account opening: a 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: e-wallet, mobile banking and card switch.
Learn more →Two dimensions under control: credit risk across the lending lifecycle, and balance-sheet risk (ALM, capital) steered at bank level.
Capital forecasting secures the regulatory capital behind this financing stage.
Learn more →In the event of default, our solution automates the collections process — through to litigation management where needed.
Learn more →Data and automation in the service of the relationship: anticipate churn risk and deliver hyper-personalised experiences that lift satisfaction and revenue.
Learn more →Request a demo: we'll walk you through the Capital Forecasting module — CET1, RWA and buffer projection, capital plan — on your ratios and scenarios. Leave us your details and an expert will get back to you.