Banking Administration

Current Accounts

Use an efficient workflow to set up client accounts with personalised conditions, generate any type of statement periodically or on request, provide detailed balance and account entry information and service clients with modern cash pooling functionalities. Support of card management and safe deposit boxes (lockboxes)

– Account Master Data

Efficient workflow from account number reservation with automatic IBAN calculation to account opening – manual or automatic on first use based on reference account — with flexible handling of special cases such as blocking

– Real-Time Balances and Statements

Real-time balances by value date, booking date, trade date, clearing date incl. projected future balances for client and bank liquidity management – available through rest services to all other applications. Drill down on every entry. Also, flexible way to create statements for the clients

– Interest & Fees

Interest and fee calculation (real-time and at closing dates) based on a highly flexible fee and interest model. Integration into tax module and accounting e.g. with daily accruals

– Card Management

Flexible management of debit and credit cards including interfaces to issuers

– Lock Boxes (Safe Deposit Box)

Clients can rent a lock box. Users gain overview over rentals, available boxes, fees charged and visits

– Cashpooling & Reconciliation

Cashpooling and automatic currency conversion, integrated nostro and internal account reconciliation

Credit & Loans

Record credit applications and transform them seamlessly into structured loans data, administer a wide range of structured limits and fees. Managing collateral, lombard loans, syndicated loans, trading limits and more. Monitor overdrafts and collaterals, provisions and reserves, and regulatory reporting

– Credit Applications and Approval

Recording of credit application, integrate into an approval workflow and then automatically generate the loans data needed for administration. Produce necessary pre-contractual information for consumer loans

– Loan Administration

Administration of credit master data including limits and drawdowns. Automatic handling of participants e.g. on syndicated loans. Fully flexible fee and commission calculation incl. kick-backs

– Collateral Administration

All types of collateral -e.g. real estate or insurance policies – can be managed. Of course, also individual securities or whole safe custody depots, cash accounts or deposits can be pledged, and will be considered with the appropriate haircuts and concentration risk deductions. Collateral can be linked to loans in a highly flexible data model

– Overdraft Management, Provisions, Reporting and Accounting

An integrated workflow allows for an efficient monitoring of all overdrafts and collateral shortfalls. Reserves and provisions can be administered and booked

FX & Treasury

Continuous STP trade and post-trade processing with real-time position keeping and analysis, supporting a seamless treasury workflow and online monitoring

– Order Entry, Trading and Realtime Position Management

Trade workflow for client advisors and trading desk for FX, Precious metals, MM, FX Options and interest rate derivatives (IRS, CRS, FRA, Interest rate Options), interfaces to quote and dealing systems (Reuters, UBS, 360T), Realtime position keeping in a flexible portfolio structure

– Settlement

Settlement and payment process including bilateral and multilateral netting, realtime production of advices, matching of counterconfirmations

– Risk and Regulatory

Realtime counterparty limits ; risk monitoring and Regulatory reporting

Cash & Payments

Seamless integration into the loans and treasury system provides for efficient workflows, while the payments system supports STP prcoesses for for international and RTGS payments and full SEPA payment and direct debit functionality. Also fully supports the cash desk

– Cash Desk

Allowing for efficient cash service to the clients

– Payment Master Data and Automation

Management of client payments is automised by a highly flexible fees engine, rich standing order functionality and the full integration into the central loans/limits system and client output management. FX positions are seamlessly managed by the integration into the treasury system. These components together with the complete BIC/TARGET master data enriched by SSIs are the basis of high STP rates

– International Payments

Full support of SWIFT MT and MX payments completely adhering to SWIFT CBPR standards provides the assurance that all client payments are handled efficiently and fully compliant with industry best-practices

– Target2

State-of-the Art processing of Target2 messages

– SEPA Mass/Instant Payments and Direct Debits

Full support of SEPA payments, Sepa B2C and B2B direct debits, cheque and card clearing, and instant payments

– UK Payments

Both CHAPS and BACS are fully supported

– Sanctions List, AML and Regulatory Compliance

Full assurance of compliance via interfaces to specialist systems