Case study / Banking / Web app
A collateral analysis app for a BPR. Staff record each debtor and asset, calculate its value, and get a coverage verdict in one report, with data and analysis adapted to the bank's daily operations.
01 / The problem
Where it started
Before a BPR grants credit, its staff value the assets behind the loan. One debtor can pledge several assets, and each asset needs its own method, its own condition check and its own legal document.
ALMA VALID BPR keeps the debtor, the assets, the calculation and the report in one application, adapted to how the bank works day to day.
What success had to look like
Collateral data managed in one system, per debtor.
Calculations that follow the bank's valuation rules.
Valuation analysis without a separate spreadsheet.
An assessment report ready for the credit decision.
02 / The process
Four steps, from the bank's operations to a working application.
Phase 01
We mapped the BPR's collateral process and operational needs.
Phase 02
Screens and calculations shaped to the BPR's valuation rules.
Phase 03
Data management, calculation, valuation analysis and reporting.
Phase 04
Rollout, with support after go-live.
03 / What we built
From the debtor list to the final coverage verdict.
01 / Collateral data management
The dashboard lists each debtor with the assignment letter number, date, purpose, credit limit and number of assets. Staff search by name, letter or purpose, then edit or delete a record.
02 / Debtor and object data
One debtor can hold several collateral objects, shown as cards with the type, location and valuation method. Debtor and credit facility data apply to all of them, and a help column explains each field.
03 / Collateral calculation
For a building, the form takes the on-the-spot (OTS) survey data, the reference for prices and the construction costs. It then works out the replacement cost new (RCN), with the formula for the final value shown in the header.
04 / Valuation analysis
A quick reference table links the physical condition found on site to an adjustment factor, from very good (×0.60) to very poor (×1.40). The app turns that into effective age and a physical depreciation percentage.
05 / Assessment reporting
The final report lists every object with its method, NPW after risk and liquidation value (NL), adds them up, and divides by the credit limit. The coverage ratio ends in a plain verdict, and a note states which value the SOP uses as the basis.
Screens come from the application with sample debtors, assets and figures. The amounts and verdicts shown are illustrations, not the bank's real data.
04 / Results
Data, calculation, analysis and the decision, in one place.
BeforeDebtor details repeated for each asset.
NowEntered once per debtor, shared by all of its objects.
BeforeCosts and depreciation worked out by hand.
NowThe form fills the economic life and the condition factor, then calculates the rest.
NowNPW and liquidation value come out of the same application.
NowEach report ends with whether the collateral covers the credit limit.
Next project / Financial analysis application
A portfolio app for repossessed bank collateral. It scores how well each asset will sell, counts the cost of preparing it, and says whether the bank should act.
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