These solutions include several modules to rate, price, and value your counterparties against internationally established benchmarks. The APRS modular approach enables clients to adapt and tailor their utilisation according to their requirements.View Risk Suite
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APR provides credit risk rating, pricing and related solutions.
Including: Risk rating; Pricing and Valuation, Client Management; Portfolio Tools.
A Bank Code is intended to be an affordability assessment to determine the client’s ability to repay their short-term financial obligations. It is therefore used to determine whether a customer is considered an acceptable risk for a bank for a specified amount borrowed over a specified period.
Our credit analysis team have put together a fact-based Credit Risk outlook for South Africa covering the economy, business and consumer confidence, political stability, and a sectoral update.
IFRS16 is the relatively new accounting standard that removes the distinction between an operating lease and a finance lease. As of 1 January 2019, companies are required to recognise their operating (i.e. off-balance sheet) leases on-balance sheet by raising a lease liability against a right of control use asset (RoUA). The lessee will exchange a lease expense for interest on the lease liabil...
APRS produces credible and defendable ratings for corporate and SME clients by anchoring globally accepted credit rating benchmarks to the country, industry, sector and company specific factors.
The Pricing Application is used for the pricing and valuation of non-equity financial securities. It is supported by the Ratings Application and Term Structures provided in the Risk Suite.
The results from the Pricing Calculator can be used to appropriately price new debt issues or value existing non-equity financial securities.
Clients are managed centrally for all modules allowing easy access to the APRS suite of products, including access to complete audit tracking. A single integrated database meets the clients consolidated risk and financial reporting needs.
APRS’s suite of tools includes an Expected Credit Loss (ECL) methodology and calculator specifically for wholesale portfolios. The ECL methodology used was developed and aligns to the requirements of the IFRS 9 standard. The tool can be customised to fit an entity’s specific data availability and requirements and is cost effective, quick to deploy and easy to use.