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Special emphasis has been laid by RBI for banks towards agriculture related lending. The inherent difference in the nature of agricultural portfolio, calls for advanced techniques to handle the related credit risk.

BrainMatics enables financial institutions to quantify their credit risk exposures to agricultural loans. Using state of the art satellite image processing techniques BrainMatics can assess yield and price risk across varying crops, regions and seasons with an accurate forecasting module for enhanced risk management and asset allocation.

BrainMatics’ proprietary Agri Risk framework encompasses the entire business cycle:
 

  • Defining Business Strategy and product design

  • Credit Policy

  • Performance Monitoring

  • Creating farmer incentives – better terms for growing appropriate crop suited to the weather, soil etc.

The key components of the framework include:

Crop yield forecasting model
Model is provided for each pre defined region, where regions are defined on the basis of weather, soil & crop patterns .

Commodity price forecasting
Model takes into account factors like warehouse availability, storage loss, market structure and government interventions which might affect price realization.

Key Benefits

  • Addresses challenges specific to Agri risk management
     

  • Models based on advanced statistical techniques
     

  • Covers all aspects of agri credit risk
     

  • Adds value in entire business cycle
     

  • Provides much more control through forecasting models