Budget and forecast
The module builds a forecast of the balance sheet, income and expenses, and capital for one to three years. It uses interest income from ALM, margins from FTP, cost of risk from IFRS 9 and the ratio forecast from the Risk and capital module.
The module is part of the single TRrisk platform: it works on the bank's shared data and exchanges results with the other modules. How the platform works →
What the module does
Balance sheet forecast
Portfolio growth and funding by scenario, broken down by month.
Income and expense forecast
Interest income, fees, operating expenses and cost of risk.
Capital plan
A forecast of risk-weighted assets, ratios and room for dividends.
What-if scenarios
A change in rates, growth or structure recalculates the whole forecast.
Plan versus actual
Comparison of plan and actual on the same indicators.
Shared assumptions
The same assumptions are used in ALM and the stress test.
- The chief financial officer
- Planning and budgeting
- The management board
- The budget, the capital plan and the ratio forecast agree with each other.
- Changing one assumption recalculates the whole forecast.
- Plan and actual are compared on the same indicators.
Related modules
FTP
Transfer rates by maturity and currency, margin by product and unit.
details →ALM
Liquidity gaps, interest-rate and currency risk, net interest income and scenario analysis of the balance sheet.
details →Risk and capital
Risk-weighted assets, capital adequacy ratios, concentrations and economic capital.
details →Common questions
How does work start?
With a free 30-minute call with a solution architect. We go through the problem and suggest where to start. If it needs a closer look, we propose a 2–4 week diagnostic.
Which countries do you work in?
Our office is in Bishkek. We work with companies across Central Asia, on site and remotely.
What language are documentation and training in?
Russian and English. Methodology, manuals and reports are written in the language that suits your team, auditors and shareholders.
Do you sign an NDA?
Yes, before you share any data or documents with us.