tri novus launches bank stress test solution

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PRESS RELEASE Contact: David Brasfield, TriNovus (205) 991-5636 [email protected] TriNovus Launches Stress Testing Solution For Community Financial Institutions BankRisk Predicts Loan Portfolio Health Based On Adverse Economic Conditions Birmingham, Ala., December 2, 2009 TriNovus (www.trinovus.com ), a company focused on delivering relevant technology solutions to the financial marketplace, announced today the launch of BankRisk, a comprehensive stress test and risk management solution that proactively evaluates the effects of adverse economic conditions on a bank’s comprehensive loan portfolio. TriNovus developed BankRisk as a tool for banks to utilize partly in response to the federal banking regulators’ concerns about community banks’ increased participation in commercial real-estate lending. Stress testing enables a bank to project future portfolio strengths and weaknesses based on hypothetical conditions that are imposed on the institution’s loan data. It quantifies the effect of adverse economic conditions and identifies problem areas for the bank in advance. “BankRisk from TriNovus is a robust stress testing and risk management tool that every financial institution should implement,” said Dr. Tim Yeager, an associate finance professor at the University of Arkansas and the Arkansas Bankers Association Chair. Yeager, who was also an economist at the Federal Reserve Bank of St. Louis, and whose

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PRESS RELEASEContact: David Brasfield, TriNovus(205) 991-5636 [email protected]

TriNovus Launches Stress Testing Solution For Community Financial Institutions

BankRisk Predicts Loan Portfolio Health Based On Adverse Economic Conditions

Birmingham, Ala., December 2, 2009 – TriNovus (www.trinovus.com), a

company focused on delivering relevant technology solutions to the financial

marketplace, announced today the launch of BankRisk, a comprehensive stress test and

risk management solution that proactively evaluates the effects of adverse economic

conditions on a bank’s comprehensive loan portfolio.

TriNovus developed BankRisk as a tool for banks to utilize partly in response to

the federal banking regulators’ concerns about community banks’ increased participation

in commercial real-estate lending. Stress testing enables a bank to project future portfolio

strengths and weaknesses based on hypothetical conditions that are imposed on the

institution’s loan data. It quantifies the effect of adverse economic conditions and

identifies problem areas for the bank in advance.

“BankRisk from TriNovus is a robust stress testing and risk management tool that

every financial institution should implement,” said Dr. Tim Yeager, an associate finance

professor at the University of Arkansas and the Arkansas Bankers Association Chair.

Yeager, who was also an economist at the Federal Reserve Bank of St. Louis, and whose

research lead him to develop a model for stress testing, consulted with TriNovus on the

development of BankRisk.

Along with predicting the effect of potential adverse economic conditions on the

loan portfolio, BankRisk will apprise banks of inherent risk exposure and allow the

management team to effectively evaluate capital and liquidity needs while satisfying

regulatory requirements.

“BankRisk fulfills a bank’s stress testing needs from start to finish,” said David

Brasfield, chief executive officer of TriNovus. “BankRisk will use the bank's data to

provide an in-depth quarterly analysis of the health of the loan portfolio under various

economic conditions. The graphical reports are easy to interpret and provide the board

and senior management team with the tools that they need to make the best decisions for

the bank going forward,” Brasfield said.

Additional benefits of BankRisk include the ability to detect areas of high-risk

loan concentrations and reduce exposure, make better-informed lending and refinancing

decisions, and prepare more effectively for regulatory scrutiny.

“Today’s economic conditions are not tomorrow’s,” said Yeager. “BankRisk can

help to offset the uncertainty of the future by providing the data needed to be best

prepared.”

About TriNovus

TriNovus, a Birmingham, Ala.-based company, was founded with the goal of

delivering relevant technology solutions to the financial marketplace. In addition to

BankRisk, its products include:

BankerMLS (www.bankermls.com) - a web-based application that enables

financial institutions to obtain maximum exposure and value for repossessed assets.

BankerVMS (www.bankervms.com) - a vendor relationship management system

that provides financial institutions with an organized, efficient and compliant solution for

managing third party relationships.

For more information on TriNovus, visit www.trinovus.com or contact David

Brasfield at 205.991.5636 or [email protected].

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