Brief Description of the Commercial Banks' Financial Standing Analysis software complex (PK AFSKB)

The Commercial Banks' Financial Standing Analysis software complex (PK AFSKB) is meant for conducting professional financial analysis of:

• credit organizations and their affiliates
• legal entities of the non-credit organization status

The PK AFSKB can be of use when performing the following:

a) internal financial analysis

• systematic, including the daily one;
• forecasting financial standing
• control over fulfilling regulations
• planning and management of resources
• work efficiency evaluation
• audit and business evaluation

b) external financial analysis

• regular monitoring of counteragents financial situation;
• estimation and control of financial risks;
• formulation of rankings, ratings and classifiers;
• drawing up analytical reports and motivated conclusions;

c) calculating credit limits

• for one counteragent;
• for a pool of counteragents considering and without considering statistical interactions;
• calculation of the required reservation level.

The PK AFSKB is recommended to be used in routine or systematic work for execs and employees of credit and non-credit organizations in such structural departments as:

• analytical
• crediting
• risk control and management
• planning and economic
• resource management
• investment
• internal control and audit
• economic security

The PK AFSKB is recommended for and successfully used by not only credit institutions, but also specialists of non-credit organizations, such as investment, consulting and management companies, audit firms, rating agencies, insurance companies, major holdings, educational establishments, bodies of state authority and government.

During 10 years of its exploitation by Russian and foreign institutions the PK AFSKB complex has gained a reputation of a convenient, reliable, flexible and efficient instrument. It enables professional analysts to monitor organizations-counteragents, using methods included into the software complex, as well as their own methodical developments.

The PK AFSKB enables a professional analyst to realize a network of technological operations in the most coherent and convenient way. The complex designers have worked out their product mainly for economists, who have no command of programming languages, and no basic knowledge of software engineering. The analytical apparatus of the software complex and analytical methods input in it make it possible to estimate tentative, operational, final and perspective financial activity of organizations within any time-period, using traditional methods of analysis, groupings, comparison, ratios, share participation, chain substitutions, etc.

The PK AFSKB provides for an opportunity to carry out structural, dynamic, graphic, statistical, rating and forecast analysis. The number of methods, composition of estimated indices, quantity of institutions and time-periods under review is not limited. Methods technologies provided integrally