Regulatory Capital Calculation demo
Reads each loan's file for the facts the new risk weights turn on, and shows the capital effect loan by loan. 1:15
What the demo shows
A capital solution for capital teams that reads each loan file for the facts behind its weight.
Every loan walks the risk-weight tree under today's rule and the proposal; agents answer each branch from the file — value at origination, occupancy, borrower capital — and the capital effect is shown loan by loan, with the page behind every weight.
Transcript
- Regulatory Capital Calculation weighs every loan under today's rule and the proposal for a bank's capital team.
- The new weights turn on facts in the file, and for 3,912 home loans, the core has no value.
- Each loan walks this tree.
- Juniper Hollow's 2017 appraisal proves 61% loan-to-value, 35%.
- With the core loan, it falls to 100%.
- Cottonwood Flats walks to high-volatility construction, 150%, borrower capital under 15%.
- The Corps called it exempt, so seven loans go to regulatory reporting.
- What a loan file's worth?
- 23 basis points of capital.
- Loan risk-weighted assets fall 8%.
- The capital ratio rises 96 basis points.
- Built on Botminds: agents, data, screens, and governance on one platform.
Transcribed from the film’s narration. Captions are on the player.