Deloitte Fluent Capital Adequacy

Compliance with the current regulatory requirements

• Fluent CAD offers extensive and flexible support for national options through configuration.
• The whole calculation process is fully automated and performed within one software component (Fluent CAD); no need for manual corrections, eliminated operational risk.
• Easy adjustment to future regulatory changes or specific business needs – in most cases no software modifications are required as the change can be implemented by setting appropriate parameter values.

Reporting – external and internal

•    Fluent CAD provides you with a great reporting experience out-of-the box;
•    Rich output data model and available management reports provide you with deep insight into your capital requirements.
•    Chances are the report you want to have is already available in the system; you do not have to waste your time to create such a report.
•    If you already have a reporting solution that generates COREP reports in XBRL, it will be easy to map the system to Fluent CAD’s regulatory data views; we provide a ready COREP mapping for one of such systems available on the market.

What-if analyses and stress-testing of capital requirements

•    Fluent CAD provides a built-in mechanism for what-if analyses and stress-testing. You do not have to implement this functionality outside of the system.
•     Fluent CAD provides a very flexible and powerful mechanism for defining stress-test scenarios inside the system. You can cover many types of stress-test scenarios and create your own scenarios.
•     With Fluent CAD, you can perform multiple simulations in a relatively short time, due to highly optimized calculation engine and modern technologies. It is feasible to run many simulations even in a short timeframe.

Input data requirements

•     Much easier and faster preparation of input data for Fluent CAD; faster and less risky system implementation.
•     Easier post-implementation maintenance of the solution where the business logic is implemented in one place and not split between ETL and analytic software.
•     Eliminated operational risk of business-logic errors at the ETL level.

Auditability and storing historical data

•     Security and auditability of data and results.
•      Full reproducibility of results for internal or external audit purposes.
•      Fluent CAD enables you to easily compare historical results within the system (no need to rely on an external databases).

User Interface and User Experience

•      Fluent CAD offers a much better user-experience; it is easier to learn how to use the system; users can perform their actions in the system faster and with lower risk of operational mistakes.

Infrastructure costs

•      Lower implementation cost and maintenance costs of Fluent CAD than that of other comparable software solutions.

Business Advisory and provided software documentation for regulatory compliance experts

•      By selecting Deloitte Fluent CAD as your software solution for capital adequacy you get business support from regulatory and IT experts to answer your questions and to support you in implementation.
•      No more “black-box” approach; all calculations performed by Fluent CAD are documented in detail, so you can answer all potential questions about your RWA numbers.