Loans Management with SAP
Joerg Oser Business Solution Architect Global Banking Line of Business Bensheim, 16th January 2008
AGENDA
Introduction Loans Management Functional Overview Customer Base Conclusion
Agenda
SAP Loans Management
Introduction Loans Management Functional Overview Customer Base Conclusion
© SAP 2007 / Page 3
SAP Loans Software History - Customers
Loans
L O A N S - Management C ore
Mana ge ment
Banking
M ortgage
IS – IS
TR
easury
LO
ans
L
oans
n
Darwin n n
1991/2
1995
1997
2000 - 2002
n n
2005
2007
SAP® for Banking
© SAP 2007 / Slide 5
SAP Tr ansactional Banking Customer Relationship Management
SAP ERP Financials
Customer Information
Syndications
Deposits
Loans
Collaterals
Payments
Produce banking products and manage customer interactions
Human Resources
Run the organization Procurement
Leasing Master Contract Management
Corporate Services
SAP Anal ytical Banking Risk
Understand and decide Profitabilityanalyze Accounting
Regulatory Reporting
SAP® for Banking
© SAP 2007 / Page 6
SAP Transactional Banking
SAP ERP
Customer Relationship Management
Financials
Customer Information
Syndications
Loans
Collaterals
Payments
Deposits
Human Resources
Procurement
Leasing Master Contract Management
Corporate Services
SAP Analytical Banking Risk
Profitability
Accounting
Regulatory Reporting
SAP Transactional Banking Solutions
© SAP 2007 / Slide 7
Mobile
Internet
Call Center
Branch
ATM
Customer Relationship Management
Loans Leasing Master Contract Management
Collaterals
Payments
Deposits
Syndications
Customer Information
Common Product Enablers
Customer Relationship Management
Multi-currency and cross-currency Multi-language user interfaces and correspondence languages Multi-channel with equal access to processes and data
Multi-bank, multi-entity, multi-business unit, multi-label
Multi-country, cross-border
Multi-time zone with specific scheduling of cut-off time
Customer Information Deposits Loans Leasing
Master Contract Management
Real-time 24x365 access and High Availability architecture
Scalable solution for both small and large banks (ratio volume : sizing)
Process definition through parameterization
© SAP 2007 / Slide 8
Syndications
SAP Transactional Banking
Collaterals
Common real-time solution for retail, commercial and corporate banking
Payments
SAP Financing Customers - examples n100+ banks n60+ insurance companies n700+ customers
Renowned banks all over the world (in Americas, across Europe, Africa, Asia)
Banks in different areas: retail, wholesale, universal banks, real estate banks, credit factories, specialised banks
00 M är z0 1 Ju ni -0 1 S D ez e p em 0 1 be r-0 1 M är z02 Ju ni -0 2 S D ez ep e m 02 be r-0 2 M är z03 Ju ni -0 3 Se D ez p e m 03 be r-0 3 D ez 0 D 4 ez 05
D ec
SAP Loans Customers 2007 700
600
500
400
300 400
280 434 459 479 504 538 558 589 2007: over 700 623
330
200
100
0
Integration SAP Loans Management Collaterals Management Guarantees CMS
SAP – Business Partner CIM
Frontend / Gui
Data Warehouse
Correspondence
Loans Management
Securisation
ABS Asset Backed Securities Financial Accounting
Analytics
Legal Reporting
Agenda
SAP Loans Management
Introduction Loans Management
Functional Overview Customer Base Conclusion
© SAP 2007 / Page 12
SAP® Loans Management - Products SAP Loans Management is a functionally comprehensive module for the mapping of different kind of loans (secured and unsecured) such as nPersonal Loans (e.g. installment loans) nCorporate Loans including senior loans, junior loans, mezzanine loans. nMortgage Loans such as fixed and variable rate, equity release nSpecial Loans (policy loans, employee loans etc.)
Business Process: Product Setup
Definition of loan products:
Definition of loan nComprehensive product Product specific parameters pr oducts: Conditions
n nFlexible
condition concept
Product Configurator
One Solution for Customers with Different Business nReal Estate nUniversal Bank
nConsumer Loans
nCorporate Financing nProject Financing nCredit Factory nSpecialised © SAP 2007 / Page 16
Business Process: Product Setup
Customer Request
New Business
Contract Conclusion Contract Disbursement
Execution
Accounting Contract Processing
Collection
Contract Default Contract Closing Contract Analysis © SAP 2007 / Page 17
Portfolio
Business Process: Product Setup
Customer Request
New Business
Contract Conclusion Contract Disbursement
Execution
Accounting Contract Processing
Collection
Contract Default Contract Closing Contract Analysis © SAP 2007 / Page 18
Portfolio
Business Process: Product Setup
Customer Request Contract Conclusion Contract Disbursement
Accounting Contract Processing
Contract Default Contract Closing Contract Analysis © SAP 2007 / Page 19
New Business
SAP® for Banking
SAP Transactional Banking
SAP ERP
Customer Relationship Management
Financials
Customer Information
Syndications
Loans
Collaterals
Payments
Deposits
Human Resources
Procurement
Leasing Master Contract Management
Corporate Services
SAP Analytical Banking Risk
© SAP 2007 / Page 20
Profitability
Accounting
Regulatory Reporting
SAP Customer Information File as Central Anchor Comprehensive and Centralized Customer Data
N A T R C A S
S
I F L U F LL
Distribution to and from Other Systems
T
Role Concept
A G N E GE
Management of Relationships
E C RV E I
Central Address Management
Enhancement of Data and Screen Design
Proven solution with more than 100 banking customers © SAP 2007 / Page 21
Customer Information
nCentral Customer address with history and verification of postal address
nAlso used for other SAP systems and can be used by other banking systems
nRelationship management: nCustomer to customer; customer to account defined by role
nSynchronization with applications in existing system landscape eliminating redundant customer records
nTracking of all roles customer has relating to bank (account holder, correspondence recipient, employee, prospect, etc.)
nEnhancement and configuration that is release-insensitive
© SAP 2007 / Page 22
nAuthorizations nSecurity to control data nvisible to users based on
nVisual Configuration Tool nScreens and screen sequences can be adjusted to suit requirements using a drag & drop
Partner Hierarchy
Nordic Trading BP: 50292 Loan: 10001656
Oslo Electronic
Bergen Shipping
BP: 131 Loan: 10001701
BP: 132 Loan: 10001702
Trondheim Technology BP: 133 Loan: 10001708
Trondheim Computer Chips BP: 50312 Loan: 10001709
Trondheim Securities BP: 50313 Loan: 10001710
Business Partner: Relation Ships
Business Partner: Total Commitment
Total Commitment
SAP SAP
SAP SAP
View of all the business with the customer Possibility to take into regard customer entitities (holding etc) Configurable layout
SAP
non SAP
SAP® for Banking
SAP Transactional Banking
SAP ERP
Customer Relationship Management
Financials
Customer Information
Syndications
Loans
Collaterals
Payments
Deposits
Human Resources
Procurement
Leasing Master Contract Management
Corporate Services
SAP Analytical Banking Risk
© SAP 2007 / Page 27
Profitability
Accounting
Regulatory Reporting
Contract: Master Data - overview
Business Partner Conditions
Product
Loans-Contract SAP-Loans Basic Data
Correspondence Collaterals Guarantees
Conditions and Structuring - Overview
Repayment forms Installment repayment
Fixed Interest
Annuity repayment
Variable Interest
Maturity repayment
Formula-based interest
Commitment interest / charges
© SAP 2007 / Page 29
Interest calculation
Discount / premium calculation
Percentage of defined base amounts
Proportionally per disbursement
Fixed amounts
Total amount with first or final partial disbursement
Condition Concept Master data Loan contract
. . . Condition header
Loan basic data
Condition header -----------------------------
Condition items Planned
records
Cash flow
Repayment from 10.01.YY 1150 €
Fixed Interest Period from 10.01.YY 09.30.YY
Interest from 10.01.YY 5.5% Interest from 10.01.YY 5%
Condition items Calculate payment plan © SAP 2007 / Page 30
Calculate effective interest
Charges from 10.01.YY 50 €
Fixed Interest Period from 10.01.YY 09.30.YY
Cash Flow
© SAP 2007 / Page 31
New Business: Highlights n Comprehensive master data n Powerful condition features n Integrated functions for
àCustomer Management àCollateral Management àAccount Origination
© SAP 2007 / Page 32
SAP® for Banking
SAP Transactional Banking
SAP ERP
Customer Relationship Management
Financials
Customer Information
Syndications
Loans
Collaterals
Payments
Deposits
Human Resources
Procurement
Leasing Master Contract Management
Corporate Services
SAP Analytical Banking Risk
© SAP 2007 / Page 33
Profitability
Accounting
Regulatory Reporting
Collateral Management System Collateral object management
Transaction management
Real estate
Loans
Customer Information Movable property (incl. ship, car)
Current accounts
Inventory
Security Account
Collateral management Asset value
Trading transactions Collateral agreement
Receivables
Rights (incl. patents, insurance)
Other financing
Object Bundle
Other
Guarantees Statutory reporting / Central document management risk mgmt
Reporting Communi-cation system
… …
© SAP 2007 / Page 34
Some SAP Collateral Management Customers
Example Reporting: Customer – Collateral Overview
“At a glance”: free collateral, collateral shortfalls etc Details
Collateral given
Branch to transaction Secured transactions
Business Process: Product Setup
Customer Request
New Business
Contract Conclusion Contract Disbursement
Accounting Contract Processing
Contract Default Contract Closing Contract Analysis © SAP 2007 / Page 37
Execution
Payment Processing Outgoing Payments nPartial disbursements possible nDeductions nGross – net nFuture preposting capability nAutomatic generation of outgoing payments à To borrower à To third party, such as property developer
Flexibly definable payment details
© SAP 2007 / Page 38
Automated Posting to Financial Accounting General Ledger (such as SAP FI)
SAP Loans
Loan Balance
Sample Business Process: Loan is disbursed
automated
XX
Interest Receivables
Sample Business Process: Post Debit Interest
automated
XX
Disbursement Obligation XX
Interest Earned XX
Integration LOANS with SAP FI – Financial Accounting Loan Contract: Cash-flow 01.05.JJ 30.06.JJ 30.06.JJ
FI-Schnittstelle FI-Interface
150.000,00 1.720,83 639,05
Loan Disbursement Interest debit position Amortisation
au tom ati
0001 0110 0125
Realtime Posting of flows
cal ly
Financial Accounting InterestReceivable
© SAP 2007 / Page 40
AmortisationReceivable
Depreciation
Other Incomes
Deferments
Correspondence
Correspondence
Standardized Correspondence
Mass run
Individual Correspondence
Single run
Example Partner Solution for Output Management STREAMSERVE: SAP Certifications since 1998
A long time SAP® Software Partner, StreamServe has attained multiple SAP®certifications, which ensure seamless connectivity with SAP® business solutions.
üRaw Data Interface (BC-RDI) üSAP Smart Forms (BC-XSF) üIDOC ALE Converter (CA-ALE) üAssured device delivery (XOM) üBAPI Integration üPowered by SAP® NetWeaver üSAP-endorsed business solution
Powers of attorney/signature sheets
Confirmation of procedural participation
Account statement confirmation
Account change service
X
X
X
X
X
X
X
X
X
X
X
X
X
X
X
X
Create Account Contract for Business Customers
X
Create Account Contract for Corporate Customers
X
X
X
Rejection letter
X
X
Create Account Contract for PC w/o Credit Services
Savings account entry
X
X
Agreement for general account
X
Create Account Contract for PC with Credit Services
Confirmation for standing order
Statement: money laundering law
Statement for legal representive
X
PIN
X
Physical card
X
Welcome package (Starter Kit)
X
X
Business event
Welcome letter
Documents
StreamServe for use with Account Activation Processes Integrated Document Processing
Family Student
X X
Retiree
Create Account Contract for Internal Accounts Create Account Contract for Time Deposits
X
X
X
X
Create Account Contract for Savings Scheme
X
X
X
X
Create Account Contract for Savings Card
X
X
X
X
X
X
X
X
X
X
Create Account Contract for Passbook Create Account Contract for Subsequent Entry in EPOS
X
X
X
X
X
X
X
X X
X X X X
xxx
Starter Kit
Statement Money Laundering Law……………..
Physical Card
Welcome Letter
Account Statement Confirmation
Customer Welcome Packs are integrated by StreamServe and delivered to the customer as a combined document set
Postbank rationalized its document management in parallel with the implementation of SAP Deposits Management: “As a result of this, the optimized creation of the welcome package for new customers at Postbank generates an annual saving of € 2.5 million. A saving of 5.1 Euros per Welcome Pack.” Dirk Berensmann, Deutsche Postbank AG
Integrated High Volume Document Printing
StreamServe document post processing enables integrated production printing ( internal print shop or outsourced ) Optimized SAP Document Process High volume Sorting and printing Bundling
Automated Enveloping
Franking
Distribution
StreamServe customers have achieved cost reduction om 51 to 25 cents per document for print process , handling and posta
One Integrated StreamServe Document Process Multiple Personalized Presentment Channels
“ We’re constantly looking for ways to improve customer service while limiting costs………StreamServe contributes significantly to both of these areas. We can also create personalized communications and send them via SMS messages and e-mail-all of which improves our service.” John Froger, CIO 2nd Largest Pension Fund in the World
Lever aging Financial Statements To Incr ease Loyalty Dynamic lease and loans branding
Summary and Detail information for Checking , Savings , Investments , Loan / Mortgage , Insurance , etc .
Dynamic , personal message content from nearest branch manager specific to customer ’ s account Dynamic , segmented Up - Selling messages
Segmented Cross - Selling messages ”prior to using StreamServe for communications on customer correspondence we had a 25% customer turnover rate; today it is estimated to be less than 5%.“
Mortgage Statement Embedded Offers
Cross - Sell and Up - sell Messaging
Customer Self Service: StreamServe Enabled
Call Center Document Viewing
Call Center views exact document as customer improving customer satisfacti on A mere 5% reduction in customer defections increases company profits by 25% to 85% Fredereich F. Reichheld and W. Earl Sasser at Harvard University
Execution: Highlights n Fully integrated accounting n Rich disbursement features including payments to several parties, partial payments n Plausibility checks n Flexibly definable correspondence or usage of external correspondence tool n
© SAP 2007 / Page 51
Business Process: Product Setup
Customer Request
New Business
Contract Conclusion Contract Disbursement
Execution
Accounting Contract Processing
Contract Default Contract Closing Contract Analysis © SAP 2007 / Page 52
Collection
Payment Processing Outgoing Payments nPartial disbursements possible nDeductions nGross – net nFuture preposting capability nAutomatic generation of outgoing payments To borrower To third party, such as property developer
Flexibly definable payment details
Incoming payments nSeveral payment media such as direct debit or bank transfer nCreation of over- and underpayments nPost processing features
© SAP 2007 / Page 53
Incoming Payment Processing and Dunning
Contract Receivables
1,500
Incoming payment For example, auto debit, bank transfer, etc.
Contract Receivables
1,500
1,500
Contract Receivables
1,500
Contract Receivables Dunning/ Arrears List
© SAP 2007 / Page 54
1,500 15
No Incoming payment
Dunning Letter
SAP Loans Back Office: Highlights
n Rich functional support of rule defined payment allocation n Fully fledged post processing of incoming payments n Support of follow-up activities including dunning
© SAP 2007 / Page 55
Business Process: Product Setup
Customer Request
New Business
Contract Conclusion Contract Disbursement
Execution
Accounting Contract Processing
Collection
Contract Default Contract Closing Contract Analysis © SAP 2007 / Page 56
Portfolio
Loan Business Activities Examples: nPayoff / unscheduled repayment (full and partial payoffs) nCharges nSingle postings nBorrower change nCapital transfer nDeferrals, waivers
Application: nStructured, user-friendly entry of business activities nStatus management of business operations nReversal function nRelease function © SAP 2007 / Page 57
Mass Processing S E L E C T I O N
P R O C E S S E S © SAP 2007 / Page 58
Organisation 1 Due date: 15.XX
Young People Loan
VIP
:1 2 3 4
Due date: 30.XX
Standard
5 6 7 8
Standard
VIP
9 10 11 12 13 14 15 16
Print offer te ea ac t r C nt r co
Offer created
Offer printed
Contract created
… … no reaction
…
Business Process: Product Setup New Business
Customer Request Contract Conclusion Contract Disbursement
Accounting
se a e l Re Collection
Contract Processing
Contract Default Contract Closing Contract Analysis © SAP 2007 / Page 59
Execution
s a e l Re
e
Portfolio
User Authorizations
se a e l Re
Release Procedure in SAP Loans
Release control: Release can be set up using the control parameters company code, product type, contract status, threshold value and currency Double, treble or quadruple release control can be implemented
The re
leas e pr oce sup L dure oan port in S ed b s is AP y SA PW orkf low
SAP Loans: Reporting
Standard reports
Drilldown Reporting
Queries
SAP Business Warehouse
am x E
A large set of reports delivered with the systems covering areas such as position, workflow control, balance information, revenue analysis, accounting, commitments
© SAP 2007 / Page 61
Rich features in order to create easily new reports via configuration. The reports can be defined ad-hoc with drilldown functionality, in list form or in graphical form
Mature technology makes it possible to easily fulfil specific information demands via adapting existing queries as well as creating new ones.
Other Reporting Systems
s e l p
SAP Loans is fully integrated with the SAP Business Warehouse. SAP Business Warehouse includes standard content for Loans information. The SAP Business Warehouse allows flexible reporting including crossreporting.
SAP Loans offers an interface in order to feed data to other external systems such as risk systems.
SAP Loans Standard Reporting
SAP Reporting: Export to MS-Office
Agenda
SAP Loans Management
Introduction Loans Management
Functional Overview
Customer Base Conclusion
© SAP 2007 / Page 64
Customers worldwide mySAP mySAP Banking-Solutions Banking-Solutions n nMore than More than 350 350 Implementations Implementations n nIn In over over 20 20 countries countries
Implementations Implementations of of SAP SAP Loans Loans n nMore More than than 700 700 Implementations Implementations n nIn In over over 50 50 countries countries
Loans-Banking Loans-Banking Customers Customers n nIncrease Increase of of Customers Customers ca. ca. 25% 25% p.a. p.a. n n40 40 of of the the most most imortant imortant german german Banks Banks n nFamous Famous Banks Banks in in America, America, Europe, Europe, Asia, Asia, Afrika Afrika
LOANS – Customers Examples
SAP Financing Customers - examples n100+ banks n60+ insurance companies n700+ customers
Renowned banks all over the world (in Americas, across Europe, Africa, Asia)
Banks in different areas: retail, wholesale, universal banks, real estate banks, credit factories, specialised banks
SAP® Loans Management – Deutsche Postbank AG QUICK FACTS Deutsche Postbank AG
Implementation Highlight
nLocation: Germany
n25 million accounts (loans, deposits, checking)
nIndustry: Banking nProducts and services: Retail business and corporate banking nRevenue: €190 billion (2006)
Key Benefits
nEmployees: 22,000
nSignificantly reduced IT costs
nCustomers: 15,5 million
nReplacement of 14 legacy system with 1 SAP system
nSolutions and Services: Applications from SAP for Banking solution portfolio, including SAP® Loans Management, SAP Basel II, and SAP Deposits Management; SAP MaxAttention™ support option; SAP NetWeaver
nProcess and system complexity reduced by 80% nDay-end processes 2x faster nPost-processing efficiency increased by 30% nNew products within a few weeks
“With SAP solutions, we aim to achieve the lowest processing costs and fastest time to market in retail banking.” Dirk Berensmann, CIO and COO Deutsche Postbank AG © SAP 2007 / Page 68
SAP Enables Trajectories to Profitability Postbank became Germany’s best retail bank in three years
“
Efficiency We knew we had a provider we could rely on in the long run. With SAP, we aim to achieve the lowest Loans Saving Accounts Current Accounts Customer Information Management
”
ERP
Differentiation
nProcess and system complexity reduced by 80% nDay-end processes 2x faster nReduce time to market for new products
© SAP 2007 / Page 69
SAP® For Banking – UkrSibbank QUICK FACTS UkrSibbank nis a Joint-Stock Innovation Bank, ranks among the largest banks in Ukraine nLocation: Kharkiv , Kyiv nIndustry: Banking nProducts and services: commercial and retail banking operations within Ukraine nBranches: 12 and 992 outlets nRevenue: $m 4,360 (2006) nSAP® Solution and Services: SAP for Banking, including SAP Strategic Enterprise Management and software for controlling, personnel administration, bank customer accounts, and Loans nImplementation Partner: SAP Ukraine
“The promise of compressed processes, cost reductions, and the ability to manage change in a dynamic market justify UkrSibbank’s choice of SAP software.” Anatoly Vovnyuk CIO and Project Manager UkrSibbank © SAP 2007 / Page 70
Implementation Highlights nSuccessful integration of in-house and third-party systems nCollaborative project teams of bank specialists and SAP consultants
Key Benefits nCompressed processes nReduced costs nImproved operational efficiency
SAP® For Banking – HSH Nordbank
QUICK FACTS HSH Nordbank nis a strong commercial bank in its core region of Northern Europe nLocation: Hamburg nIndustry: Banking nProducts and services: the leading provider of financial services in the transport sector and the world’s largest provider of ship finance, market leader in the corporate customer segment, real estate nEmployees: 4,431 (2006) nBranches: represented in 17 foreign locations in the Baltic Sea region, SouthEast Asia and in the key international financial centers of New York, London and Luxembourg nRevenue: EUR billion 189 (2006) nSAP® Solution and Services: SAP Loans, CMS, BCA, SAP BP, SEM Banking
© SAP 2007 / Page 71
Key Factors nIntegration of new applications in existing architecture of crucial importance nReduced expense for development and production nIncreased implementation of standard software nIncreasing core competence of IT department -Support of technical departments -IT architecture -Project management
SAP® For Banking – DG HYP QUICK FACTS DG HYP nis the largest real estate bank within the German cooperative banking sector nLocation: Hamburg nIndustry: Banking nProducts and services: the provide finance for residential and commercial real estate, extend loans to local authorities, securitize credit risks and issue Pfandbriefe (assetcovered bonds) nRevenue: EUR 85.7 bn (2006) nNationwide market presence: 1,250 cooperative banks with about 12,500 local branches nEmployees: 594 (2006) nNumber of customers: 220,000 nSAP® Solution and Services: SAP for Banking, including SAP Financial Customer Information Management
Since implementing SAP for Banking solutions for its commercial loan business, DG HYP has increased data quality, reduced IT costs, and set up a technology base for fast introduction of new products. © SAP 2007 / Page 72
Results n15% to 20% reduction in it operating costs expected n20% reduction in processing times expected in retail area nComplete mapping of all commercial products in the standard system Reduction of maintenance costs nImprovement in data quality nEasier introduction of new commercial products nClearer mapping of data and group structures in the sap financial customer information management application, a central business partner module
SAP® For Banking - DZ Bank QUICK FACTS DZ Bank nis the fifth largest bank in Germany nis the central bank for 1,100 Volksbanken and Raiffeisenbanken and is a Verbundoriented commercial bank in Germany and abroad nLocation: Frankfurt am Main nIndustry: Banking nProducts and services: has a strong position in one-stop financial services nRevenue: $m 574,750 (2006) nNationwide market presence: 1,250 cooperative banks with about 12,500 local branches nEmployees: 24,154 employees (2006) nSAP® Solution and Services: SAP for Banking
“The integrated set of solutions, SAP for Banking, offers us the level of reliability we need for processing our one million credit agreements.” Manfred Salber Head of Credit Management DZ BANK AG © SAP 2007 / Page 73
Implementation Highlights nOne of the largest SAP Loans Management projects in terms of scale and data volume nReliable data processing at peak times
Key Benefits nFaster processing of credit data: four hours instead of three days nExcellent operational reliability nSingle account view for subsidized loans
SAP® Loans Management – Montepío Luz Saviñón QUICK FACTS Montepío Luz Saviñón nLocation: Mexico City nIndustry: Financial service providers – nonprofit organizations nProducts and services: Loans to individuals and small and midsize businesses nEmployees: 500 nRevenue: US$100 million (2007 estimate) nSAP® Solution and Services: SAP® Loans Management application, SAP Education offering
“We are well on our way to having a stronger presence in the market and providing a wider portfolio of products to our customers.” Hector Gama IT Director Montepío Luz Saviñón
© SAP 2007 / Page 74
Implementation Highlights n2-phase project helped smooth business transformation nStaff training by SAP Education took 3 months instead of an expected 6 months nProject involved 325 users around the country
Key Benefits nTotally integrated front- and back-office functions have replaced fragmented systems nAutomated appraisal process now takes minutes instead of days nThe new software will enable Montepío Luz Saviñón to move into the microcredit market nLocations of operations have expanded from 3 states to 6
Agenda
SAP Loans Management
Introduction Loans Management
Functional Overview Customer Base
Conclusion
© SAP 2007 / Page 75
SAP Value Proposition Loans Management
Key capabilities
Value impact
Easy configuration of new products
Open items handling
Automated processes (e.g. approval of data)
Mass processing features
Business rules driven automated collections processing
Multi currency, multi language, multi client features
1
Accelerated time to market for new products
2
Business process cost reduction through standardization and automation
3
Reduced IT operations costs through reduced interface maintenance efforts
4
Higher transparency and information quality
5
Up to 30% reduction of IT development and change costs with SAP NetWeaver*
Source: SAP Projects *) Expert Estimation
Thank You for Your Time
Questions
© SAP 2007 / Page 77
Thank you! Joerg Oser Global Banking Line of Business SAP AG Headquarters D – 69190 Walldorf / Germany T +49/6227/7-609 52
[email protected] www.sap.com
© SAP 2007 / Page 78
Copyright 2008 SAP AG All rights reserved No part of this publication may be reproduced or transmitted in any form or for any purpose without the express permission of SAP AG. The information contained herein may be changed without prior notice.
Some software products marketed by SAP AG and its distributors contain proprietary software components of other software vendors.
SAP, R/3, mySAP, mySAP.com, xApps, xApp, SAP NetWeaver, Duet, Business ByDesign, ByDesign, PartnerEdge and other SAP products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of SAP AG in Germany and in several other countries all over the world. All other product and service names mentioned and associated logos displayed are the trademarks of their respective companies. Data contained in this document serves informational purposes only. National product specifications may vary.
The information in this document is proprietary to SAP. This document is a preliminary version and not subject to your license agreement or any other agreement with SAP. This document contains only intended strategies, developments, and functionalities of the SAP® product and is not intended to be binding upon SAP to any particular course of business, product strategy, and/or development. SAP assumes no responsibility for errors or omissions in this document. SAP does not warrant the accuracy or completeness of the information, text, graphics, links, or other items contained within this material. This document is provided without a warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non-infringement.
SAP shall have no liability for damages of any kind including without limitation direct, special, indirect, or consequential damages that may result from the use of these materials. This limitation shall not apply in cases of intent or gross negligence.
The statutory liability for personal injury and defective products is not affected. SAP has no control over the information that you may access through the use of hot links contained in these materials and does not endorse your use of third-party Web pages nor provide any warranty whatsoever relating to third-party Web pages
Weitergabe und Vervielfältigung dieser Publikation oder von Teilen daraus sind, zu welchem Zweck und in welcher Form auch immer, ohne die ausdrückliche schriftliche Genehmigung durch SAP AG nicht gestattet. In dieser Publikation enthaltene Informationen können ohne vorherige Ankündigung geändert werden.
Einige von der SAP AG und deren Vertriebspartnern vertriebene Softwareprodukte können Softwarekomponenten umfassen, die Eigentum anderer Softwarehersteller sind.
SAP, R/3, mySAP, mySAP.com, xApps, xApp, SAP NetWeaver, Duet, Business ByDesign, ByDesign, PartnerEdge und andere in diesem Dokument erwähnte SAP-Produkte und Services sowie die dazugehörigen Logos sind Marken oder eingetragene Marken der SAP AG in Deutschland und in mehreren anderen Ländern weltweit. Alle anderen in diesem Dokument erwähnten Namen von Produkten und Services sowie die damit verbundenen Firmenlogos sind Marken der jeweiligen Unternehmen. Die Angaben im Text sind unverbindlich und dienen lediglich zu Informationszwecken. Produkte können länderspezifische Unterschiede aufweisen.
Die in diesem Dokument enthaltenen Informationen sind Eigentum von SAP. Dieses Dokument ist eine Vorabversion und unterliegt nicht Ihrer Lizenzvereinbarung oder einer anderen Vereinbarung mit SAP. Dieses Dokument enthält nur vorgesehene Strategien, Entwicklungen und Funktionen des SAP®-Produkts und ist für SAP nicht bindend, einen bestimmten Geschäftsweg, eine Produktstrategie bzw. -entwicklung einzuschlagen. SAP übernimmt keine Verantwortung für Fehler oder Auslassungen in diesen Materialien. SAP garantiert nicht die Richtigkeit oder Vollständigkeit der Informationen, Texte, Grafiken, Links oder anderer in diesen Materialien enthaltenen Elemente. Diese Publikation wird ohne jegliche Gewähr, weder ausdrücklich noch stillschweigend, bereitgestellt. Dies gilt u. a., aber nicht ausschließlich, hinsichtlich der Gewährleistung der Marktgängigkeit und der Eignung für einen bestimmten Zweck sowie für die Gewährleistung der Nichtverletzung geltenden Rechts.
SAP übernimmt keine Haftung für Schäden jeglicher Art, einschließlich und ohne Einschränkung für direkte, spezielle, indirekte oder Folgeschäden im Zusammenhang mit der Verwendung dieser Unterlagen. Diese Einschränkung gilt nicht bei Vorsatz oder grober Fahrlässigkeit.
Die gesetzliche Haftung bei Personenschäden oder die Produkthaftung bleibt unberührt. Die Informationen, auf die Sie möglicherweise über die in diesem Material enthaltenen Hotlinks zugreifen, unterliegen nicht dem Einfluss von SAP, und SAP unterstützt nicht die Nutzung von Internetseiten Dritter durch Sie und gibt keinerlei Gewährleistungen oder Zusagen über Internetseiten Dritter ab.
Alle Rechte vorbehalten.
© SAP 2007 / Page 79
