Banker's Trust uses Crystal Ball in Developing Award-winning Risk Management Group CUSTOMER OF THE MONTH (JULY, 1998)

Decisioneering, Inc. is pleased to announce Banker's Trust as July's Customer of the Month. Banker's Trust has clearly demonstrated that they are among the leaders in using risk management technology to bring value to their customers.

Bankers Trust's Risk Management Advisory group (RMA) has been a dedicated Crystal Ball user for approximately five years. RMA builds on its recognized strengths in risk measurement and management to help clients reshape their perception of the risks in their businesses and elevate their competitive positions by enhancing their risk management. Their clients span across all industries and geographic sectors. In particular, RMA possesses extensive advisory experience for oil and gas companies, electric utilities, corporations, and financial institutions in the Americas, Europe, Asia, and Oceania. These resources, combined with BT's ability to execute customized risk management solutions, allow clients the opportunity to reshape their risk-return profile to enhance shareholder value. RMA has earned Euromoney's Risk Management Advisors of the Year Award for an unprecedented and unparalleled THREE years in a row: 1996, 1997, and 1998.

Crystal Ball has played an integral part in RMA's success by enabling them to build customized financial and strategic models for their clients. While each of these models is unique, most contain stochastic processes and necessitate the incorporation of Crystal Ball. Whether the RMA group is building an asset valuation model for electric utilities, a cashflow-at-risk model for a large corporation, or a hedging model for trading portfolios, they all involve forward projections and back testing results. With its intuitive, easy-to-use interface, Crystal Ball makes building, running and testing intricate models such as these much easier for both the developer and the end user. In addition, many of the models created by RMA are quite large, sometimes containing up to 100,000 calculations per Excel workbook. Without the use of Crystal Ball, models of this size would require significant amounts of time to run simulations. With Crystal Ball, however, RMA is able to perform their simulations with minimal time commitments from the model developers.

Banker's Trust's RMA Group has also found significant value in the way Crystal Ball displays a simulation's results in well-organized, comprehensive, easy-to-read Forecast Charts. In addition, Crystal Ball's Correlated Assumptions feature and Sensitivity Chart allow RMA to perform extensive analysis on their models.

Crystal Ball provides RMA with the software necessary to create customized solutions to their customers needs efficiently and effectively. Because of Crystal Ball's flexibility, RMA can provide their customers with transparent quantitative methodologies and approaches to risk management, as opposed to traditional "black box" solutions. This ensures that a significant amount of knowledge is transferred between RMA and their clients, adding value for everyone involved and contributing to BT's stature as a leader in the financial services industry.