Wealth Suite

Intellect Margin Lending enables banks in extending loans against securities as collateral. Intellect Margin Lending integrates with other bank systems for real-time order approval, margin monitoring and risk management

The module supports lending across a wide range of asset classes, equity, fixed income, mutual funds, structured products, properties, vehicles and machinery, Deposits.



 

Our View
THERE IS AN URGENT NEED IN THE FINANCIAL WORLD TO LEVERAGE THE POWER OF CUSTOMER PORTFOLIO

BANKS ARE AT
GRAVE RISK
IF MARKET RISK IS
NOT MANAGED PROPERLY

Providing capabilities for lending against securities and leveraged investments is an enormous business opportunity. However banks are at grave risk if market risk is not managed properly.

Leveraging technology that supports effective risk management, simulations, online exposure monitoring, margin call process and timely alerts hold the key for sustaining these gains from this business.


Our Offerings
INTELLECT MARGIN LENDING ENABLES LEVERAGED FINANCING AGAINST WIDE RANGE OF ASSET CLASSES

Intellect Margin Lending spans across the front, middle and back-office processes for seamless execution of Margin lending and Leveraged Financing transactions.

ONLINE MARGIN MONITORING
AND COLLATERAL VALUATION
PLATFORM TO HELP
CUSTOMERS LEVERAGE THEIR ASSETS

Key Features

  • Extension of loans against various types of assets – Equities, Fixed Income, Mutual Funds, Structured Products, Real Estate, Properties, Vehicles and Machinery, Deposits
  • Extension of multiple loans against a portfolio of assets
  • Customer configurable pool composition
  • Provision for top up and sell out definition
  • Built-in Margin Call Lifecycle Process
  • Concentration and Cross Currency Risk Management
  • Integrates to the existing Core (CRM, Lending), Product Processors, Custodian Systems and Depository Participants
  • Monitors Limit Utilization Online
  • Online Exposure Tracking
  • Cross Currency Exposure
  • Margin Exposure
  • Outstandings
  • Currency Facilities
  • Counter Party Exposure
  • Manages Exposure & Risk Online
  • Alerts business of Margin Call & Sell out position
  • Online Calculation of Net LTV/Gross Collateral Market Value of assets applying factors like Loanable Value, Security Concentration, Issuer Concentration, etc.
  • Cross pledging across customers


Our References
PROVEN EXPERTISE SPEAKS FOR ITSELF


Our Approach
PARTNERING FROM THE BEGINNING TO THE END – AND BEYOND

QUICK
IMPLEMENTATION
IN 24 WEEKS

At iGCB we believe in complete partnership, not just in being another ‘vendor’. We will engage with you during the creation of the product for your line of business with the system to ensure quick ‘go to market’ strategy and provide effective and efficient workarounds for your unique functionalities / processes. Our expert teams will also help in defining your ‘go-to’ process through pre-configured designed products. In addition to this, we provide you with near real-time scenarios to run the Business scenario simulation. Our experts also elucidate how to bundle the multiple business products with existing re-usable components.

The Margin Lending module can be implemented in approximately 8-12 weeks.

Margin Lending


Our Technology
SOA-COMPLIANT, AESTHETICALLY ENGINEERED, EASY INTEGRATION APPROACHES

THE UI IS BUILT TO
CREATE WOW FACTOR
AND ENRICH THE
CUSTOMER EXPERIENCE

Intellect Wealth Platform is built on open standards. The present state-of-the art technology built on SOA and J2EE architecture serves as the backbone of the platform. The richness of the architecture is further enhanced by its adoption to the various industry standards including Web2.0, Enterprise2.0 and distributed computing. By leveraging SOA, Intellect offers a smart build option as it has a clear separation of business logic with user interface and external system interface layer giving the flexibility to configure parameters & transaction flows. The applications have dynamic system with multiple interactive features which help the advisor to choose the way the data can be viewed.

Intellect Wealth products have been aesthetically engineered and the user interface is built to create a WOW factor and enrich the customer experience. Aesthetic engineering has introduced features that are optimized for operational efficiency while at the same time being very interactive, making it user-friendly and easy to learn and use.

Intellect products are supported by technology that gives the ease of integration with other applications as banks could put Intellect Wealth or its individual component on top of any legacy application. Integrations are supported by the Intellect FT Message Hub and open API standards to enable seamless integration with external feeds and/or systems like core banking, price feeds, order management systems and Fund House.