Real-Time, Cross-Asset, Front-Mid-Back Office Treasury

Intellect Capital Cube is a contextual cross-asset Treasury Management System covering the rich functionalities of integrated front-mid-back office treasury, portfolio risk analytics, reconciliation, instrument pricing analytics along with Asset Liability Management Solution. This is powered by a cloud-ready architecture, API first technology with SDKs for low code interfacing, building APIs and Services along with contextual & decoupled UI/UX. Capital Cube is fully integrated with Intellect Digital Core (IDC) Platform, a comprehensive Core Banking platform offering contextual experience to end customers throughout their journey.

Capital Cube is the Treasury Management System that has the potential to improve top and bottom line through revenue accelerators, optimum capital leverage, a digital front to back treasury and Liquidity Management Solution. Capital Cube helps maximize trading profits, increase fee-based income and efficiently manage liquidity.

Delivering Top-line and Bottom-line Improvements

Digitalized treasury
Revenue accelerators
Liquidity Management
Optimum capital leverage

Digital front-to-back treasury
Cloud-ready

Extensive asset class coverage

Pre-deal Yield Simulators
Real time Portfolio Analytics
Portfolio Benchmarking

Simulators to improve NII/ NIM
Corporate FX channel revenue
Branch FX margins

Reduce liquidity requirements
Reduce funding costs with just-in-time funding

Manage Basel III risks with LCR and NSFR

Maintain optimal capital and efficiently leverage funds
Alternate Capital Assessment model
Profit Attribution analytics

Reduced IDL & Compliance Cost
Improved Tier 1 & CAR ratios
Sensitivity, Stress & Shock tests

Digitalize Treasury to Maximize Efficiencies

95% +

STP (Straight-Through Processing)

150+

Risk Metrics And Analytics

150+

APIs Out-Of-The-Box

Transforming Treasury to Automate Treasury Processes

Front Office
Mid Office
Back Office
Portfolio Risk Analytics

Front office equipped with trader centric UI provides real-time blotters for position, cash and P&L management for informed decision making. Flexible and automated reporting of customer/branch positions with online updates to trader’s positions. Support for pre-deal analytics, limit checks, cash flow management, collateral management, and simulations with powerful hedging tools.

Efficient limits and control framework with pre-defined 100+ limits, 150+ risk metrics and analytics, multiple yield curve management, and rules driven multi-dimensional monitoring (product, currency, dealer and portfolio) for automated compliance. Stress testing to limit losses and configurable capital requirements by running various scenarios.

95%+ STP with efficient processing through complete automation. User defined reporting, rule-based dynamic reconciliation, comprehensive matching algorithms for progressive match generations, inbuilt accounting compliant to the latest IFRS standards, flexible settlement types, and configurable workflows for efficient business process management.

Monitor portfolio performance and attribution, with comprehensive risk analytics to analyze the risk & return between trading portfolio and benchmark portfolio. Portfolio optimization tool for re-balancing and hedging.

Composable NextGen Architecture

Our Point Solutions

Contextual Asset Liability Management (CALM)

Algorithms library for 360 degree view and optimal management of balance sheet risks for informed decision making. Monitor and optimize liquidity and interest rate exposure over future time horizons; and identify potential liquidity gaps to optimally manage assets and liabilities. Computation and analysis of NII (Net Interest Income)/ NIM (Net Interest Margin), EaR (Earnings at Risk), and FTP (Funds Transfer Pricing) to assess the segment wise profitability.

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Contextual Asset Liability Management (CALM)

Reconciliation Management

End–to-end module for reconciliation, confirmation, tracking and reporting. Enhance operational efficiency through complete automation of Cash Flow Forecasting, NOSTRO Management and seamless integration of Cash Management functions. Rule based matching to easily configure based on the business needs.

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Branch FX

Distribute FX rates to branches. Automate card rate process allowing flexibility to change card rates due to market volatility. Inbuilt margins for transactions done on card rates and provide real-time branch profitability for both single and branch-level deals. Offer a finer rate to select branches/customers for high-value transactions. Treasury profitability and branch profitability split for RFQ deals to identify profitable branches. Reporting and MIS for real-time reporting of branch-level data, rates, and profitability.

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Instrument Pricing Analytics

Kaurtz Analytics for on-demand pricing-data, current rates, forward cash flows, current forward, discount rates and analytic computations necessary for risk management and valuation. Reference rate & cash flow analytics for treasury and other systems. Timely adaptation and processing of risk free rates, aiding Libor transition and reduced operational risk.

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