Executive

SYNTHETIC DEMO

Group overview

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Headline levels anchored to published Cagamas results (2025: assets RM56.2bn, PBT RM476.9m, record RM31.3bn raised, TCR ~42.5%). Monthly detail is synthetic.

Total assets — last 12 months

Portfolio mix — latest quarter

Share of total assets by product line. Synthetic quarterly series; PWR ~69% and PWOR ~13% reflect the published shape of the book.

Mix by quarter

Executive copilot — Select AI

Natural language to SQL inside Autonomous AI Database 26ai. Profile EXEC_AI is restricted to the two executive tables (enforce_object_list=true).

Counterparty limit utilisation

Synthetic counterparty labels only (CPTY-nn) — no real institution names. Utilisation above 90% is a review trigger in the demo storyline.

Counterparty register

Eligibility screening funnel

50,000 synthetic loan records screened against programme rules.

Failure reasons — Pareto

Purchased-pool exposure by state

All states

PWR copilot — Select AI

Profile PWR_AI is restricted to the four PWR tables (enforce_object_list=true). Loan-level data is synthetic: no borrower names, IC numbers or real account numbers exist in the schema.

AIRB model workbench — PD champion / challenger

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Synthetic model metrics illustrating in-database ML (OML) governance for the PWOR AIRB portfolio — Cagamas applies the AIRB approach to PWOR. CHAMPION = currently promoted scoring model; PSI above 0.2 triggers a drift review.

Expected loss heatmap — vintage x borrower segment (RM m)

EL = PD x LGD x EAD over 80,000 synthetic loans scored in-database. Darker cell = higher expected loss.

Rating grade distribution

Delinquency (DPD) buckets

Macro what-if — stressed expected loss

Synthetic stress scenario — PD multipliers recomputed in-database over the live 80,000-loan book. OPR, house-price and unemployment deltas are illustrative, not forecasts.

PWOR copilot — Select AI

Profile PWOR_AI is restricted to the four PWOR tables (enforce_object_list=true). Loan-level data is synthetic: no borrower names, IC numbers or real account numbers exist in the schema.