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Use Case 2 · Credit RWA Optimisation

Portfolio Viewer

Drill down from total portfolio to single loan · CBUAE Standardised Approach · Optimisation hints powered by AI Agent
Level 1
Time Period
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MonthRWA (AED m)ChangeHints
Level 2
Division
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Level 3
Customer
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Level 4
Loan / Facility
← Select a customer
① RWA = Risk-Weighted Assets (CBUAE Standardised Approach proxy calculation)
② Change = RWA movement month-over-month vs prior period
③ Hints = number of CBUAE SA optimisation opportunities identified by AI Agent
④ Highlighted rows indicate selected filter / areas of elevated change
Use Case 2 · Credit RWA Optimisation

Loan Viewer

Analyse specific loans and simulate change · CBUAE Standardised Approach · Optimisation hints powered by AI Agent
Portfolio Viewer

Actuals

Current data as per credit register (AED)

Optimisation Hints

AI Agent — CBUAE SA potential RWA savings
↓ RWA Reduction Opportunity Orange ↓ — RWA Reduction Opportunity: Actionable hints where changing a parameter reduces RWA. Types: SME revenue reclassification, SME qualifying retail tranche restructuring, guarantor rating upgrade, LTV reduction below 85%, past-due provision increase above 20%, external rating obtainment, GRE→PSE reclassification, partial amortization below AED 10m (RRE). ⚠ Risk / Threshold Warning Red ⚠ — Risk / Threshold Warning: Watch-out alerts where a parameter is approaching a worse RW bucket. Types: LTV approaching 85% cliff, stale collateral valuation, approaching past-due status, near qualifying-retail threshold, residential loan exceeding AED 10m (blended RW), borrower 4-property limit risk.

Simulation

Edit parameters · click Calculate → to see RWA impact (AED)