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View insightsAPR provides credit risk rating, pricing and related solutions.
Including: Risk rating; Pricing and Valuation, Client Management; Portfolio Tools.
Get free risk reports for all JSE listed companies, find out more about our risk engine and the models we have used here.
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Accurate and automated pricing and valuation.
Pricing and valuation tools are advanced software solutions that enable businesses to accurately price and value complex financial instruments and transactions such as loans or bonds. The tools utilise various factors such as interest rates, credit spreads, and default probabilities. These tools increase pricing transparency and provide more faster, more accurate valuations whilst reducing reliance on manual processes. Pricing and valuation tools are used in credit risk management to assess the fair value of financial instruments and consists of the fair value attributable to equity holders and the debt value incurred to fund the loan. These tools involve the use of mathematical models that incorporate assumptions about market conditions and future events to estimate the potential risks and returns associated with different financial instruments.
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Simplified compliance, automated reporting and increased transparency to seamlessly adapt to evolving regulations.
Accounting and regulatory tools to simplify compliance, automate financial reporting, increase transparency. The tools reduce the risk of non-compliance and have the ability to adapt to the changing accounting and regulatory standards. These tools include accounting standards such as the International Financial Reporting Standards (IFRS), as well as regulations such as the Basel Accords. The tools play a crucial role in credit risk management, especially within the banking and financial services industry. However, any entity would benefit from the automated calculations for key accounting standards, such as IFRS 9 and IFRS 16.
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Real-time data monitoring, streamlined data consolidation and customised data analysis for effective risk management.
Our integrated solution allows our client's to improve efficiency and accuracy through automation, real-time data monitoring, streamlined data consolidation, customised data analysis and more effective risk management. Data and automation tools are increasingly used in credit risk management to improve the accuracy and efficiency of risk assessment processes. The data may include credit history, financial statements, and other relevant financial and non-financial information.
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Accurate risk assessment, faster model development, improved credit ratings and the ability to identify hidden risks.
Our credit risk models perform accurate and benchmarked risk assessments, faster model development, improved credit ratings, ability to identify hidden risks, reduced reliance on manual processes. Credit risk models are statistical tools used by lenders and financial institutions to assess the probability of borrowers defaulting on their loans. These models analyze various factors such as credit history, income, debt-to-income ratio, and other financial indicators to estimate the likelihood of a borrower defaulting on their loan. The Credit Risk Calculators allows the user to estimate the Probability (PD) and Loss Given Default (LGD) and is used for risk management, capital management, fair valuations, stress testing and IFRS 7, 9, 13 and 16 purposes.
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