Bahwan
CyberTek
About BCT
Established in 1999,
Bahwan CyberTek (BCT) is a global
provider of digital transformation
solutions in the areas of Predictive
Analytics, Digital Experience and
Digital Supply Chain Management,
and has delivered solutions in 20
countries across North America, the
Middle East, Far East, Africa and Asia.
Driving innovation through
outcome-based business models,
For more on Bahwan CyberTek, please visit www.bahwancybertek.com
To know how rt360 products can help you, mail us at
rt360@bahwancybertek.com
www.rt360.ai
USA | OMAN | QATAR
www.bahwancybertek.com
Page 8
BCT
Digital
B a h w a n C y b e r Te k G r o u p
proven and powerful IP solutions, With a focus on joint innovation,
BCT is a trusted partner for over
1000+ customers, including Fortune
BCT has partnered with leading
global technology organizations such Early
500 companies. With strong
capabilities in Digital Technologies,
BCT has over 3000 associates with
as Oracle, IBM and TIBCO to
deliver differentiated value to
customers. BCT is recognized at
Warning
technical and domain expertise,
delivering solutions to the Banking,
CMMi level 5 and is an ISO certified
organization.
System
Oil & Gas, Telecom, Power,
Government, Retail and SCM /
Logistics verticals.
rt
Risk Management
Suite
| UAE | SINGAPORE | MALAYSIA | TAIWAN | BRUNEI | INDIA
© 2019 Bahwan CyberTek. All rights reserved.
Page 1
 Identify credit risks proactively leveraging end-to-end
rt360 predictive analytics Our mission is
Early The financial world is not without its risks. As part of their
fiduciary duties, banks operate with intense systemic risks “Reverse Innovation -
Warning every day, while empowering companies from small firms to
large multinationals to begin new ventures, innovate, Made in India” to handle
System incubate and ultimately act as the custodians of trust. If not
carefully monitored, these systemic risks can easily snowball, the complexities of the
and this can impact not only the banking network, but also
the financial health of the country at a macroeconomic level. financial sector.
What exactly is holding banks and Financial Institutions back when it comes to
credit risk management in today’s data-driven world?

India’s first-ever survey on ‘Practitioners Insight on Credit Monitoring’ conducted

by BCT Digital revealed some startling insights that explain the reasons:

Ÿ Manual or semi-automated data Ÿ Absence of technology that can integrate external

collection data

Ÿ Current reliance largely on internal Ÿ Report generation, dissemination and follow-up

data to monitor borrower’s health actions are again largely manual or semi-automated

As a result, banks see a need for a specialist Early Warning System rather than
incremental changes to the existing systems.
Clients

rt
BCT are pioneers in Early Warning Systems and the product has been
successfully implemented in top public and private sector banks in India,
the Middle-East and the United States.
Many more...

Page 2 Page 7
 rt Risk Management
Suite
The rt360 EWS is a web-based credit monitoring product
underpinned by a powerful predictive analytics engine that
collates borrowers’ credit-related information from multiple
sources such as core banking system, rating system, online

WE BELIEVE
IN BEING
Early Warning media, internet and more. Driven by intelligent automation,
the product enables portfolio managers, credit & risk analysts to
track large volumes of corporate and retail portfolios for early

PROACTIVE AS System (EWS): warning indicators of stress. The system features predictive
EWS scorecards to rate, basis their propensity to default and
OPPOSED TO
MERELY
Redefining assign them to multiple grades (watch list, exit, etc.).

REACTING credit risk

TO AN EVENT
detection
through
predictive
analytics

The As a leading provider of EWS we at BCT Digital, bring some unique

differentiators to the table such as:

rt Industry-proven solutions that draw

upon our deep domain expertise in
credit monitoring practices
Advantage Highest number of EWS
implementations in India and
End-to-end development and
implementation expertise that
Features
ensures quick adoption of risk
management products with
minimal business interruptions
Ÿ Web-based access for proactive
monitoring of massive portfolios
Warning Indicators (EWI) for the
identification of incipient stress,
collateral enhancement, and more

Ÿ Risk and analytics scoring based

of Corporate and Retail
growing across the globe borrowers
Strong integration capability, Ÿ Automates monitoring of
enabling seamless data collection retail/corporate borrower health
from multiple disparate sources by monitoring credit portfolios at
varying levels of granularity such as
portfolio, industry, group,
customer, and individual facilities
Ÿ Rule Engine for parameter based
Early Warning Indicators
Ÿ Pre-built library of 150+ Early
weakness, credit fraud, and
probable NPAs in borrower
accounts
Ÿ Digital portfolio dashboard for
quick analysis and monitoring of
risks by industry, group, client, and
product
Ÿ Enables corrective action
planning using a traffic light
approach for taking timely
mitigating actions such as
exposure reduction, account exit,
modelling capabilities, that allow
hosting of EWS scorecards
(statistical and non-statistical) for
rating exposures on a risk scale
Ÿ Connectors for different source
systems and strategic alliances
with external data providers (for
instance, credit bureau, Registrar
of Companies (RoC), wilful
defaulters list, etc.) to enable
shorter integration cycles

Page 6 Page 3
 RISK We serve the top
MANAGEMENT banks in India,
SOLUTION The Middle East
PROVIDER OF and USA
THE YEAR
2019

Value Delivered
01 Improved asset quality
through proactive and near
real-time identication of
borrowers with incipient
02 Improved regulatory
compliance through the
identication of Stressed
Accounts in line with
stress and/or potential loan Central Banks norms
frauds

03 Enabling Banks to focus

on credit growth and
protablity

Page 4 Page 5
 RISK We serve the top
MANAGEMENT banks in India,
SOLUTION The Middle East
PROVIDER OF and USA
THE YEAR
2019

Value Delivered
01 Improved asset quality
through proactive and near
real-time identication of
borrowers with incipient
02 Improved regulatory
compliance through the
identication of Stressed
Accounts in line with
stress and/or potential loan Central Banks norms
frauds

03 Enabling Banks to focus

on credit growth and
protablity

Page 4 Page 5
 rt Risk Management
Suite
The rt360 EWS is a web-based credit monitoring product
underpinned by a powerful predictive analytics engine that
collates borrowers’ credit-related information from multiple
sources such as core banking system, rating system, online

WE BELIEVE
IN BEING
Early Warning media, internet and more. Driven by intelligent automation,
the product enables portfolio managers, credit & risk analysts to
track large volumes of corporate and retail portfolios for early

PROACTIVE AS System (EWS): warning indicators of stress. The system features predictive
EWS scorecards to rate, basis their propensity to default and
OPPOSED TO
MERELY
Redefining assign them to multiple grades (watch list, exit, etc.).

REACTING credit risk

TO AN EVENT
detection
through
predictive
analytics

The As a leading provider of EWS we at BCT Digital, bring some unique

differentiators to the table such as:

rt Industry-proven solutions that draw

upon our deep domain expertise in
credit monitoring practices
Advantage Highest number of EWS
implementations in India and
End-to-end development and
implementation expertise that
Features
ensures quick adoption of risk
management products with
minimal business interruptions
Ÿ Web-based access for proactive
monitoring of massive portfolios
Warning Indicators (EWI) for the
identification of incipient stress,
collateral enhancement, and more

Ÿ Risk and analytics scoring based

of Corporate and Retail
growing across the globe borrowers
Strong integration capability, Ÿ Automates monitoring of
enabling seamless data collection retail/corporate borrower health
from multiple disparate sources by monitoring credit portfolios at
varying levels of granularity such as
portfolio, industry, group,
customer, and individual facilities
Ÿ Rule Engine for parameter based
Early Warning Indicators
Ÿ Pre-built library of 150+ Early
weakness, credit fraud, and
probable NPAs in borrower
accounts
Ÿ Digital portfolio dashboard for
quick analysis and monitoring of
risks by industry, group, client, and
product
Ÿ Enables corrective action
planning using a traffic light
approach for taking timely
mitigating actions such as
exposure reduction, account exit,
modelling capabilities, that allow
hosting of EWS scorecards
(statistical and non-statistical) for
rating exposures on a risk scale
Ÿ Connectors for different source
systems and strategic alliances
with external data providers (for
instance, credit bureau, Registrar
of Companies (RoC), wilful
defaulters list, etc.) to enable
shorter integration cycles

Page 6 Page 3
 Identify credit risks proactively leveraging end-to-end
rt360 predictive analytics Our mission is
Early The financial world is not without its risks. As part of their
fiduciary duties, banks operate with intense systemic risks “Reverse Innovation -
Warning every day, while empowering companies from small firms to
large multinationals to begin new ventures, innovate, Made in India” to handle
System incubate and ultimately act as the custodians of trust. If not
carefully monitored, these systemic risks can easily snowball, the complexities of the
and this can impact not only the banking network, but also
the financial health of the country at a macroeconomic level. financial sector.
What exactly is holding banks and Financial Institutions back when it comes to
credit risk management in today’s data-driven world?

India’s first-ever survey on ‘Practitioners Insight on Credit Monitoring’ conducted

by BCT Digital revealed some startling insights that explain the reasons:

Ÿ Manual or semi-automated data Ÿ Absence of technology that can integrate external

collection data

Ÿ Current reliance largely on internal Ÿ Report generation, dissemination and follow-up

data to monitor borrower’s health actions are again largely manual or semi-automated

As a result, banks see a need for a specialist Early Warning System rather than
incremental changes to the existing systems.
Clients

rt
BCT are pioneers in Early Warning Systems and the product has been
successfully implemented in top public and private sector banks in India,
the Middle-East and the United States.
Many more...

Page 2 Page 7
 Bahwan
CyberTek
About BCT
Established in 1999,
Bahwan CyberTek (BCT) is a global
provider of digital transformation
solutions in the areas of Predictive
Analytics, Digital Experience and
Digital Supply Chain Management,
and has delivered solutions in 20
countries across North America, the
Middle East, Far East, Africa and Asia.
Driving innovation through
outcome-based business models,
For more on Bahwan CyberTek, please visit www.bahwancybertek.com
To know how rt360 products can help you, mail us at
rt360@bahwancybertek.com
www.rt360.ai
USA | OMAN | QATAR
www.bahwancybertek.com
Page 8
BCT
Digital
B a h w a n C y b e r Te k G r o u p
proven and powerful IP solutions, With a focus on joint innovation,
BCT is a trusted partner for over
1000+ customers, including Fortune
BCT has partnered with leading
global technology organizations such Early
500 companies. With strong
capabilities in Digital Technologies,
BCT has over 3000 associates with
as Oracle, IBM and TIBCO to
deliver differentiated value to
customers. BCT is recognized at
Warning
technical and domain expertise,
delivering solutions to the Banking,
CMMi level 5 and is an ISO certified
organization.
System
Oil & Gas, Telecom, Power,
Government, Retail and SCM /
Logistics verticals.
rt
Risk Management
Suite
| UAE | SINGAPORE | MALAYSIA | TAIWAN | BRUNEI | INDIA
© 2019 Bahwan CyberTek. All rights reserved.
Page 1