Tools for oversight, reporting and strategic credit management.
Obligor-level tools that provide transparent risk metrics, fair-value insights, and accurate exposure assessments.
Cyte’s client-level portfolio modules give portfolio managers a clear, comparable view of each counterparty’s risk profile and valuation. SME PD & LGD models generate consistent credit metrics across clients and segments, while IFRS 13 valuation dashboards standardise fair-value calculations for debt, guarantees, and collateral. Managers gain deeper insight into pricing alignment, creditworthiness, and exposure quality - ensuring obligor-level decisions are grounded in robust, validated analytics.
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.
Portfolio-level tools that monitor trends, measure impairments, and deliver forward-looking risk intelligence.
Cyte’s aggregate portfolio modules enable managers to track PD/LGD migration, assess expected credit losses, and evaluate concentration and macro-sensitive risks. Hazard-rate models provide early-warning indicators across segments; IFRS 9 ECL engines consolidate impairment impacts at portfolio scale; and Scenario Builder runs multi-scenario sensitivity analyses. Together, these tools give portfolio managers real-time visibility into portfolio health, resilience, and regulatory-aligned performance metrics.
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.
Pricing and performance tools that optimise returns, strengthen capital efficiency, and ensure every facility is aligned with your risk strategy.
Cyte’s pricing and performance modules help organisations set fair, risk-aligned facility terms while maintaining transparency across return metrics. Using RAROC logic and IFRS-compliant valuation methodologies, risk teams can ensure pricing reflects true credit risk, portfolio managers can measure profitability and capital efficiency, and compliance officers gain audit-ready valuation outputs. With Pricing & Performance, organisations achieve consistent pricing decisions that protect margins, support sustainable growth, and improve portfolio-level returns.
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.
Determines facility pricing, credit limits, and margin structures using risk-adjusted return on capital (RAROC) logic. Risk teams use it to ensure fair pricing relative to risk, managers use it to evaluate portfolio profitability, and compliance teams rely on its transparency for IFRS 13 fair-value assessments and capital efficiency reporting.
Calculates and back-solves for required return on capital (RAROC) by adjusting margin and interest rate parameters within the Pricing module. Enables users to test profitability and capital efficiency against hurdle rates under varying credit and market assumptions.
Executive insights that turn complex credit data into clear, strategic intelligence for confident decision-making.
Cyte’s executive reporting capabilities consolidate information from every stage of the credit lifecycle into high-level dashboards, summaries, and trend insights. Leadership teams gain real-time visibility into portfolio health, risk migration, pricing effectiveness, impairments, and compliance status - without navigating underlying operational detail. With Executive Reporting & Insights, organisations strengthen governance, align credit operations with strategic objectives, and empower executives with the clarity needed to steer growth and manage risk.
Cyte’s executive reporting capabilities consolidate information from every stage of the credit lifecycle into high-level dashboards, summaries, and trend insights. Leadership teams gain real-time visibility into portfolio health, risk migration, pricing effectiveness, impairments, and compliance status - without navigating underlying operational detail. With Executive Reporting & Insights, organisations strengthen governance and oversight, align credit operations with strategic objectives, and empower executives with the clarity needed to steer growth and manage risk.
