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Load the synthetic sample, or a portfolio export from your CBS or MIS in the template format. Each row is one account (or one centre-level pooled account) at one month-end.
A synthetic laghubitta: 60 branches in all 7 provinces, 24 month-ends, centre-level pooled accounts.
Format: download the template CSV (header plus 3 example rows). Columns follow contract section 2. Names and IDs can be anonymised.
Pick a scenario. A share of each loan bucket moves one bucket worse, funding is re-priced and liquidity haircut; PAR, provisions, capital and the 90 day liquidity gap are recomputed from the latest bucket balances.
| Measure | Base | Stressed | Change |
|---|
Share of each bucket's balance at the earlier month-end that sits in each state at the later one. Roll rate is the share moving to a worse bucket or written off.
Configurable five-band classification. Bands and rates are placeholders pending calibration to the current NRB directive for D-class institutions.
One paragraph per branch with alerts, filled from the data by a fixed rule-based template (no generated text).
| Severity | Branch | District | Rule | Value | Threshold |
|---|
Direct API connection is pilot work, not built yet.
CBSRM does not replace the Core Banking System. It analyses authorised data from it.
Rows are centre level pooled accounts: one days past due figure stands for several member loans.
Illustrative threshold. Pending calibration to the current NRB directive for D class institutions.
Ranks compare branches with the same evidence set only when weight_coverage is equal. Click a row to see its component contributions.
| Branch | District | Province | Gross (crore) | BRI | Band | Coverage | No data |
|---|
Illustrative threshold. Pending calibration to the current NRB directive for D class institutions.
| Branch | Level | Rules | Owner | Explanation |
|---|
The owner is metadata only, nothing is sent. Levels: Red for two high alerts or a high PAR30 level, Orange for two rules or one high, Yellow for one rule, Green for none; No data when the branch has no comparison month.
Illustrative threshold. Pending calibration to the current NRB directive for D class institutions.
| Limit | Value | Trigger | Limit | Status | Action |
|---|
Collection efficiency counts arrears in the amount due (v1 definition), so it reads lower than an on time repayment rate.
Illustrative threshold. Pending calibration to the current NRB directive for D class institutions.
| Shock | PAR30 | PAR90 | CAR | 90 day coverage | Status |
|---|
| Target | Status | Result |
|---|
| Shock family | Target | Shock at breach | Status | Explanation |
|---|
Illustrative threshold. Pending calibration to the current NRB directive for D class institutions.
| Days past due | Balance (crore) | Bucket | Bucket rate | Bucket provision (crore) | Class | Class rate | Class provision (crore) | Difference (crore) |
|---|
Illustrative threshold. Pending calibration to the current NRB directive for D class institutions.
Sample results. Requires ALM, funding, officer and member files in a pilot. See the bundled sample cockpit.