BIS Enterprise Risk Management

Corporate Performance Management Suite
Enterprise Risk Management Suite
Finance Management Suite
Business Process Management Suite
Reference Data Management Suite
Trading Operations Suite
  • Business Risk

    BIS’s Business Risk Management Solutions delivers the tools and expertise to build or enhance a comprehensive ERM program. Our proven solutions, which include a technology-based tool and a suite of professional services, are already helping companies across industries to dramatically improve their ERM practices and drive performance.


  • Credit Risk

    Our solution provides an open, extensible environment with complete capabilities for retail credit scoring, corporate credit rating and credit portfolio risk management. The system is transparent and auditable, thereby facilitating supervisory review, both internally and by regulators, as required by Basel II and other regulations.

    In addition, the underlying credit risk data model helps firms consolidate credit data from disparate sources and supports faster implementation. No other credit risk management software offers a more complete, end-to-end solution integrating data aggregation, analytics and reporting within a transparent framework.
    BIS Credit Risk Management enables you to:

    • Access and aggregate credit data across disparate systems and sources.
    • Seamlessly integrate credit scoring/internal rating with credit portfolio risk assessment.
    • Accurately forecast, measure, monitor and report potential credit risk exposures across the entire organization, both on the counterparty level and portfolio level.
    • Evaluate alternative strategies for pricing, hedging or transferring credit risk.
    • Optimize allocation of regulatory capital and economic capital.
    • Facilitate regulatory compliance and risk disclosure requirements for a wide variety of regulations such as BASEL II.


  • Insurance Risk

    The magnitude of risk and compliance issues insurance companies must respond to grows every day. Emerging risks and new regulations combined with the need to capture, store and analyze increasing amounts of data provides an additional layer of complexity. The challenge of managing existing risk and compliance infrastructures and their supporting technologies is complicated by organizational structures that span several business units or geographies. Without a strategic view of risks, internal processes and customer data, it is difficult to effectively mitigate risk and manage regulatory compliance.

    Insurance risk solutions from BIS combine advanced software offerings with qualified BIS Business Partners applications and the expertise of BIS Services to help reduce the cost and complexity of your current risk and compliance infrastructure. BIS can help your insurance company develop a view of how data will be gathered, enhanced, stored, calculated and reported in a controlled and standardized manner across business lines. Our solutions can help you sense and respond to changes and threats intuitively, moving your business from reactive protection mode to proactive value creation.

    Insurance risk and compliance solutions from BIS are designed to go beyond meeting business and operational challenges. BIS solutions can help companies find ways of generating business value from their risk and compliance infrastructure investments by:

    • Making risk management and compliance, a more-pervasive, integrated part of day-to-day business management
    • Utilizing information assets to help sustain a competitive advantage.
    • Leveraging regulatory mandates or requirements to spark change which results in business process improvement and business transformation.

  • Interest Rate Risk

    BIS’s Interest Rate Risk management solution helps you measure your exposure – in income and value terms – to the different sources of interest rate risk. These include re-pricing risk arising from the underlying re-pricing mismatch between assets and liabilities; yield curve slope risk, basis risk arising from non-correlated movements in rates and indices, and embedded optionality arising from customer or counter party behavior.

    • Market standard and proprietary yield curve smoothing techniques.
    • Multiple term structure models to forecast the evolution of interest rates and yield curves.
    • Unlimited formula-driven rate indices to support the modeling of discrete rates such as base/prime or internally administered rates such as savings rates.
    • Deterministic or stochastic generated scenarios


  • Market Risk

    Your organization faces market risk every day. Changes in foreign exchange rates, interest rates, stocks and commodity prices make you vulnerable to financial loss. As a result, uncertainty surrounds your future earnings, cash flows and the fair market values of your assets and liabilities.

    BIS offers a way for you to manage these uncertainties and gain insights that can lead to successful hedging strategies and the use of derivative instruments.

    BIS’s market risk management gives you the power to bring together information from across your organization, combine different instrument types into one portfolio, perform scenario and stress tests, calculate at-risk measures and deliver customized reporting back to a user.


  • Operational Risk

    BIS recognizes the growing need for financial institutions to measure and manage operational risk in a scientific way – not just for regulatory compliance purposes, but also for making sound business decisions. Developed on the premise that risk can be statistically modeled, just as market and credit risk have been, BIS’s Operational Risk Management is an end-to-end solution built on the industry-leading BIS Intelligence Platform.

    • Establish a systematic framework for capturing risk factors and relationships.
    • Assess risk exposures and impacts across the entire organization.
    • Optimize capital reserves by improving the internal control environment.
    • Integrate external loss and severity databases into the internal loss database.
    • Share intelligence through scorecarding, notification and custom reports.
    • Provide full visibility into the sources and logic behind report results.
    • Comply with national and international regulatory requirements.