Case study / Banking / Web app
A collateral valuation app for commercial banks. Appraisers record each debtor and every asset pledged, calculate its value, and get a coverage ratio against the credit limit in one report.
01 / The problem
Where it started
Before a bank extends credit, its appraisers value the collateral: buildings, land, vehicles. One debtor often pledges several assets, each with its own legal document, valuation method and risk.
Working that out in spreadsheets means retyping debtor details for every asset and adding up totals by hand. ALMA VALID moves the whole assessment, from debtor data to the final coverage verdict, into one application.
What success had to look like
Collateral data managed per debtor, with any number of objects each.
Calculation for each object with the method that fits it.
Valuation adjusted for risk, with a liquidation value beside it.
An assessment report with the coverage ratio against the credit limit.
02 / The process
Four steps, from the valuation procedure to an edition for each bank type.
Phase 01
Fields, methods and coverage rules taken from the bank's valuation procedure.
Phase 02
Guide, calculation and result as three tabs, with help text beside every field.
Phase 03
Per-object calculation, risk adjustment, totals and coverage.
Phase 04
A Bank Umum edition, and a separate edition for BPR.
03 / What we built
From the debtor list to the final coverage verdict.
01 / Collateral data management
Appraisers keep a history of debtors and open any of them to see its collateral. Each object card shows its type, legal document, location and the valuation method in use.
02 / Debtor & object data
Debtor details and the credit facility are entered once and apply to all of that debtor's collateral. Each object then gets its type, address, legal status, document number and size, with a hint beside every field.
03 / Collateral calculation
Each object is valued with an approach that suits it, such as cost approach for a building. Market indication is adjusted for risk to give the NPW, and a liquidation value sits beside it.
04 / Assessment reporting
The result tab lists every object with its NPW, liquidation value and risk status, adds them up, and divides by the credit limit. The coverage ratio comes with a clear verdict: sufficient, or more collateral needed.
Screens recreated from the application with sample debtors, assets and figures. Calculation inputs shown are illustrations, not the bank's actual parameters.
04 / Results
Data, analysis, the decision and the fit for each bank type.
BeforeDebtor details copied into each collateral sheet.
NowEntered once per debtor, shared by all of its objects.
BeforeNPW, NL and coverage summed by hand.
NowThe result tab totals every object and calculates coverage.
NowEach report ends with whether the collateral covers the credit limit.
NowA Bank Umum edition and a BPR edition built on the same core.
Next project / Financial analysis application
A collateral analysis app for a BPR, from debtor data to a coverage verdict, adapted to the bank's daily operations.
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