Transactional Banking

Loans Management comprehensively covers the inventory management of loans in all its forms. We support and advise our clients on all aspects of loan management with SAP and control the complete process from quotation to the end of the contract life cycle. Our experts draw on a wealth of experience and best practices, and apply them to the respective national needs of customers around the world.

We understand the demands of the retail market, as well as the challenges of the wholesale business, so we can map large, standardized portfolios as well as small, highly specific contract portfolios.

Our expertise covers everything from the management of loans in the sub-ledger to the mapping of balances in the general ledger. With our specialized know-how in mapping specifications, transfer routes and interface architectures, we create a bridge to accounting.
We use the same know-how, techniques and tools to make a connection to analytical banking, and are thus able to create an integrated mapping of a loan end-to-end – from its creation to Executive Board reporting - in SAP systems.

The resolutions of the Basel Committee, the abolition of state guarantees, and the associated need for active risk management have significantly increased the importance of collateral management. The integration of safety management in the loan process (and, thus, the integration of SAP Collateral Management in the IT environment) has become a key requirement.

With our extensive experience, we are able to map the international business requirements of our customers using SAP Collateral Management. This includes not only process-optimized and streamlined collateral management in the retail business, but also the mapping of complex financing structures in the wholesale business. This makes it possible for our customers to benefit from the full functionality of SAP Collateral Management to identify, transform and manage credit risks.

The resolutions of the Basel Committee, the abolition of state guarantees, and the associated need for active risk management have significantly increased the importance of collateral management. The integration of safety management in the loan process (and, thus, the integration of SAP Collateral Management in the IT environment) has become a key requirement.

With our extensive experience, we are able to map the international business requirements of our customers using SAP Collateral Management. This includes not only process-optimized and streamlined collateral management in the retail business, but also the mapping of complex financing structures in the wholesale business. This makes it possible for our customers to benefit from the full functionality of SAP Collateral Management to identify, transform and manage credit risks.

The Loan Integration Leasing we have developed offers our customers a simplified leasing solution. The integration of standard functions of SAP Loans Management on the basis of ERP, in conjunction with selected components of the SAP Leasing module, creates an elegant solution that allows for a simple mapping of less complex lease structures, regardless of whether in financial or operational leasing. This combination is unique and provides our customers significant time-to-market advantages.

The display and consistent, plausibility-tested assignment of assets and liabilities for refinancing administration or for syndicate business is a major challenge for every agent on the market. With our refined SAP solution it is possible to represent complex syndication structures based on SAP Loans Management in ERP, and to manage them efficiently. Here we can bring our highly specialized know-how and wealth of experience to bear to support our customers, both in the structuring of processes and in end-to-end implementation within the SAP system landscape.

We were able to bring in our expertise into SAP´s product development of the Complex Loans Solution (see Solutions)

Our work is based on an integral approach to payment transaction processes. Our objective in integrating core-banking systems, online-banking applications, and payment transaction systems is to archive a transactional secure, controllable, and reproducible end-to-end processing with a high level of automation.

A complete representation of all process steps in the accounting systems, facilitating an integrated and cross-reference based reconciliation, is of great importance to us. We offer extensive knowledge gained from many customer projects when designing accounting schemata.

We are proficient in

• SEPA
• Large-Value Payments
• Foreign Currency Payments
• Intercompany Payments
• Sub-ledger Specific Processing
• Reporting
• Archiving

Our longtime expertise covers the implementation of legal and regulatory requirements as well as the introduction, reorganization and optimization of business processes. Complex requirements particular to payments processing in the context of mergers and portfolio migrations are equally familiar to us.