Context
Regulatory calculation automation for Socram Banque in France, covering Plan d’Épargne Logement.
Challenge
Interest and premium entitlement calculations varied by contract case, subscription date and rate tier, making consistent manual treatment difficult.
- Multiple contract cases had to be represented consistently
- Calculation logic needed to remain auditable
Data
Contract characteristics required to determine PEL interest and premium entitlements.
Approach
- 01 Mapped contract cases and rules
- 02 Encoded calculation logic
- 03 Automated repeatable calculations
- 04 Preserved outputs for review
Implementation
R and Excel VBA were used to automate PEL interest and premium entitlement calculations across contract cases.
Governance
The source confirms automation but does not disclose client records, monetary results or error-rate statistics.
No quantitative performance figure is published because the source portfolio does not provide one.
Outcome
Qualitative capability created
Consistent calculation logic across PEL contract cases.
Reduced reliance on manual case-by-case calculation.
Delivered capability
- Automated rule implementation
- Repeatable case calculation
- Reviewable outputs
Lessons
The method, implementation and review evidence need to be designed as one controlled capability. Public detail stops where the source evidence or confidentiality boundary stops.