Governance, auditability and regulatory alignment by design.
IFRS 9 tools that standardise impairment calculations, strengthen provisioning accuracy, and ensure compliant credit-loss reporting.
Cyte’s IFRS 9 framework automates expected credit-loss (ECL) calculations across performing and non-performing exposures using integrated PD, LGD, and EAD inputs. Operations teams benefit from fast, consistent impairment processing; portfolio managers gain consolidated insights into provisioning impacts and risk migration; and compliance officers receive regulator-aligned disclosures with full audit trails. With IFRS 9, organisations maintain accurate, defensible provisioning practices and forward-looking risk assessments grounded in validated model outputs.
Simplifies ECL calculations for performing loans, integrating PD/LGD metrics directly from Cyte’s rating models. Provides fast, standardised reporting for operations, consolidated impairment results for managers, and regulator-aligned disclosure outputs for compliance teams.
Computes expected credit losses across performing and non-performing exposures using integrated PD, LGD, and EAD inputs. Automates impairment processes for operations, produces portfolio-level provisioning insights for managers, and generates IFRS 9-compliant disclosures and audit trails for compliance. Supports scenario testing and sensitivity analysis.
Runs multi-scenario analyses across PD, LGD, and macroeconomic variables. Automates comparative stress testing, sensitivity analysis, and portfolio impact measurement for IFRS 9, Project Finance, and Hazard-Rate models.
IFRS 13 tools that deliver consistent fair-value measurements, transparent valuation methodologies, and audit-ready reporting.
Cyte’s IFRS 13 framework centralises debt, guarantee, and collateral valuations using standardised, income-based and credit-risk-based methodologies. Risk teams can validate fair-value outputs at instrument level; portfolio managers gain insight into pricing alignment, yield, and margin performance; and compliance teams receive disclosure-ready valuation reports supported by traceable inputs. With IFRS 13, organisations maintain defensible, market-aligned fair-value measurements across their portfolios.
Performs IFRS 13-compliant valuation of debt instruments and financial guarantees using income-approach and credit-risk-based pricing measures. Provides risk users with valuation consistency, portfolio managers with market-based yield and margin analytics, and compliance officers with auditable fair-value documentation and disclosure outputs.
Centralises debt, guarantee, and collateral valuations under the IFRS 13 framework. Enables risk teams to validate instrument-level fair values, gives managers insight into pricing alignment and profitability, and ensures compliance through standardised valuation methodologies and disclosure-ready exports.
IFRS 16 tools that automate lease accounting, ensure accurate exposure measurement, and deliver regulator-ready disclosure outputs.
Cyte’s IFRS 16 framework streamlines the capture, calculation, and reporting of lease-related exposures across large portfolios. The platform automates right-of-use asset recognition, lease liability calculations, amortisation, and depreciation schedules using standardised methodologies. Operations teams gain efficient, error-free lease processing; managers receive clear visibility into lease exposures and financial impacts; and compliance officers benefit from accurate disclosure templates and integrated audit trails. With IFRS 16, organisations maintain consistent, defensible lease reporting across all entities and reporting cycles.
Automates the calculation of right-of-use assets, lease liabilities, amortisation, and depreciation schedules under IFRS 16. Supports operational lease tracking, provides management-level lease exposure summaries, and ensures compliance with accurate disclosure templates and integrated audit trails.
Extracts lease data from PDFs using AI-assisted parsing to generate incremental borrowing rates (IBR) and lease-term schedules. Streamlines document capture for operations, maintains consistency across lease portfolios for managers, and enforces compliance through structured, verified lease data extraction.
Basel tools that strengthen capital adequacy oversight, enhance portfolio transparency, and ensure alignment with regulatory capital requirements.
Cyte’s Basel framework supports banks, NBFIs, and credit providers in calculating risk-weighted assets (RWA) and capital adequacy ratios using PD, LGD, and EAD inputs derived from Cyte’s rating models. Risk teams can assess capital consumption at obligor and portfolio level, managers gain visibility into capital efficiency across exposures, and compliance teams receive regulator-aligned outputs with clear model governance. With Basel tools, organisations ensure that capital allocation, provisioning, and risk appetite remain aligned - supported by transparent, validated, and auditable methodologies.
Calculates risk-weighted assets (RWA) and capital adequacy ratios under the Basel framework using PD, LGD, and EAD inputs from Cyte’s rating models. Enables risk operations to assess capital consumption per exposure, gives managers visibility into portfolio-level capital efficiency, and ensures compliance teams meet Basel regulatory capital requirements. Integrates with the PD/LGD Governance Inputs to ensure all model assumptions are traceable, validated, and regulator-approved.
AML/KYC tools that standardise client verification, enforce policy, and ensure every credit decision meets regulatory compliance requirements.
Cyte’s AML/KYC compliance capabilities integrate affordability scoring, identity verification, and rule-based policy checks into a single, consistent workflow. The Decision Engine ensures KYC and AML decisions are standardised, traceable, and policy-aligned, while producing complete audit logs for regulatory reviews. Operations teams gain efficiency through automated verification steps, portfolio managers benefit from consistent compliance enforcement across clients and segments, and compliance officers receive defensible evidence trails that meet regulatory expectations. With AML/KYC, organisations reduce compliance risk while maintaining fast, accurate credit operations.
Automates policy-based credit decisions by combining affordability, scoring, and KYC/AML checks into a single rules-driven process. Supports operational efficiency in origination, ensures portfolio managers maintain consistent risk policy adherence, and provides compliance officers with full traceability and audit logs for regulatory reviews.
Know Your Customer and Anti-Money Laundering checks embedded into onboarding workflows.
Governance and audit tools that ensure transparency, traceability, and operational integrity across the entire credit lifecycle.
Cyte’s governance framework provides end-to-end oversight of system processes, data flows, and model execution. BootSure Pipelines orchestrate background tasks with full logging and execution histories; Digital Pipelines maintain complete data lineage from extraction to transformation; and all actions across the Suite are tracked for audit and regulatory evaluation. Operations teams gain workflow transparency, managers receive consistent and reliable system outputs, and compliance officers benefit from an auditable environment where every model run, data mapping, and decision is fully documented and traceable.
Automates background task execution, file processing, and model runs across the Cyte Suite. Provides operational teams with stable job orchestration, managers with workflow transparency, and compliance teams with logged execution histories and system-level audit trails.
Transforms unstructured data into model-ready inputs using predefined mapping rules and cloud-based functions. Enables seamless integration between internal and third-party systems, ensures managers receive consistent analytical data feeds, and maintains full data lineage for compliance and audit purposes.
