Plan & Rating

Description

The software provides valuable support for drafting a Business Plan, an Industrial Plan, budgeting and strategic plan, or to check "what if" hypotheses on already formulated plans. Depending on the choices made, it is possible to evaluate the aspect of the underlying credit risk (default risk), considering the company's rating also in the negotiations with the lenders (pricing of the financing operations). Plan & Rating is designed in a simple and intuitive way, Input and Output functions are separate for "friendly" use of the program.

  • Business Plan: You can realize an economic-financial strategic plan to attach to your Business Plan.
  • Planning and Simulations: The plan can be tested for the economic and financial implications, it is possible to evaluate different hypotheses and simulate alternative scenarios.
  • Medium term loans : The software contains many tables that allow you to have amortization plans for financing operations and evaluate the impact on your company's liquidity. This software component can also be used separately to make simulations.
  • Financial Lease : Can be reported in the strategic plan or in the budget any financial leasing transactions; Special tables for calculating instalments and progressive debt are available. The software, at economic level, distributes the value of the maxi-fee over the duration of the transaction, and detects, at cash-flow level, the relative expense for the entire amount.
  • Investments Program : You can manage an investment plan or just simulate it; the software calculates amortization instalments and the financial effects of investments on the balance sheet.
  • Risk Analysis with synthetic models : The software reports three synthetic model for risk analysis: the Beaver model, the Altman Zeta Score, and a set of four weighted fundamental indices.
  • Self-assessment: The software applies the default risk assessment criteria by the Internal Rating Foundation (IRB) system, as established by the Basel Accord 2. The banks themselves, which are not provided by an external rating system or a system of Internal rating "Internal Rating Advanced" or IRB advanced, must apply this same model.
  • Pricing: The calculation algorithm provided for in the Basel Accords 2 is applied on the basis of the assigned rating and in the hypothesis of required loans to the bank. The compulsory reserve, calculated according to default risk has a direct influence on the rate that will be applied to the loan. In fact a greater risk needs higher bank reserves and hence the higher the interest rate will be.