Loans Management ECC 6.0 OSER 16.01

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

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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. 

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Alle Rechte vorbehalten.

© SAP 2007 / Page 79