What is elanev Credit Concentration? elanev Credit Concentration is an online tool designed to help you assess the capital associated with credit concentration. Credit concentration can arise from an uneven distribution of exposures to borrowers as well as uneven distribution of exposures to particular sectors, regions, industries or products.
Why would I use elanev Credit Concentration? For example use elanev Credit Concentration to help you to:
1. assess capital needed to cover a concentration in exposures under capital adequacy regulatory requirements
2. better understand the inherent diversification, or otherwise, in your product portfolios and business
How is it accessed? elanev Credit Concentration is accessed via our secure online portal. We provide you with a simple template to capture the portfolio characteristics. Upload the template and get a detailed report returned in real-time. The report contains capital estimates, commentary and insights. Repeat the process as often as you like as the model is available 24x7x365.
What about our data? We do not store or back-up your data. It is only used to run the model.
Why should we use a model? Regulation requires firms to assess their credit concentration related capital position. The use of a model rather than a simple regulatory formula will give a more accurate and potential capital efficient calculation of credit concentration risk.