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					GROW YOUR
BUSINESS WITH
mySAP™ BANKING

mySAP Banking Base Camp
February 25-27, 2003


Consumer and
Mortgage Loans
(CML)
Louise Plasa
SAP AG
             Contents


                                                  1 Introduction


                                                        2    Functional Overview


                                                             3    Demo


                                                             4    Customer Base


                                                         5       Success Stories


                                                   6   The way ahead


 SAP AG 2003, MySAP Banking Base Camp, CML / 2
             What is CML?




                   CML is the
              loans solution @ sap



 SAP AG 2003, MySAP Banking Base Camp, CML / 3
             What can it do for you?




                                      Open doors!

                           Clinch bonuses!


 SAP AG 2003, MySAP Banking Base Camp, CML / 4
             Where does CML fit in?


                                                  Point of Sales and Services
                                                                                               B
                                                                                               B
                                                                                               U
                                                                                               U
                                                                                               S
                                                                                               S
                                                      mySAP CRM                                II
                                                                                               N
                                                                                               N
                                                                                               E
                                                                                               E
                                                                 Payment Engine (PE)
                                                                 Payment Engine (PE)
                                                                                               S
                                                                                               S
                                                                                               S
                                                                                               S
                                                           Account
                                                           Account
                           Securities
                           Securities                  Management(AM)
                          Management
                          Management
                                                               Core Banking &(CML)
                                                       Management(AM)
                                                        Bank Customer
                                                        Bank Customer
                                                                      Consumer & Mortgage
                                                                      Consumer   Mortgage
                                                                          Loans (CML)
                                                                          Loans                P
                                                                                               P
                                                        Accounts (BCA)
                                                        Accounts (BCA)
                                                                                               A
                                                                                               A
                                                          Collateral Management System (CMS)
                                                          Collateral Management System (CMS)
                                                                                               R
                                                                                               R
                                                                                               T
                                                                                               T
                                                                                               N
                                                                                               N
                                                                                               E
                                                                                               E
                          Applications for Enterprise Management                               R
                                                                                               R



 SAP AG 2003, MySAP Banking Base Camp, CML / 5
             SAP Core Banking Product Portfolio




                                                  Payment Engine (PE)
                                                  Payment Engine (PE)



                         Account Management
                         Account Management                                       Financial
                                                                                  Financial
                                (AM)
                                 (AM)                                             Services
                                                                                  Services
                                                            Consumer & Mortgage
                                                            Consumer & Mortgage
                                                                Loans (CML)
                                                                Loans (CML)       Business
                                                                                  Business
                                Bank Customer
                                Bank Customer                                      Partner
                                                                                   Partner
                                Accounts (BCA)
                                Accounts (BCA)                                     (FS-BP)
                                                                                   (FS-BP)



                                    Collateral Management System (CMS)
                                    Collateral Management System (CMS)




 SAP AG 2003, MySAP Banking Base Camp, CML / 6
             History of the Loans Module at SAP

             Development began over 12 years


              Development cooperation project DarWIn


             We’ve been through some product changes:


                                        IS-IS     TR-LO   CML



            Strong customer base with over 500 customers




 SAP AG 2003, MySAP Banking Base Camp, CML / 7
             Hard Facts about Today‘s CML

             In Financial Services Extension within R/3 Enterprise
             Largest bank customer presently manages ca. 1,100,000 loans
             Strong partner network and several add-on solutions
             New large contract with BHW in August 2002 to handle building
             society savings loans




             Other latest sales:
                  DG Hyp
                  Hypotheken Management
                  Berlin Hyp


 SAP AG 2003, MySAP Banking Base Camp, CML / 8
             Supported Releases and CML Enterprise Schedule

           SAP Standard
                Release 4.0B
                Release 4.5B
                Release 4.6B
                Release 4.6C                                             Add-On to Standard
                                                                           4.62
                                                                           4.63
           SAP Enterprise
                FinServ 1.10

   Q3                   Q4                  Q1              Q2                Q3             Q4               Q1
  2002                 2002                2003            2003              2003           2003             2004
                                                  General Availability
                                                  FinServ 1.10

                     Development phase
                     FinServ 2.00
                                                                   Tests,
                                                                   Production
                                                                   and Roll-Out
                                                                                          Ramp-Up Delivery
                                                                                    General Availability
                                                                                          FinServ
                                                                                    FinServ 1.10 2.00
                                                                                                                    General Availability
                                                                                                                    FinServ 2.00

 SAP AG 2003, MySAP Banking Base Camp, CML / 9
             Contents


                                                   1 Introduction


                                                         2    Functional Overview


                                                              3    Demo


                                                              4    Customer Base


                                                          5       Success Stories


                                                    6   The way ahead


 SAP AG 2003, MySAP Banking Base Camp, CML / 10
             Market Requirements

                Unified loans management                                        Back office support
       Standardized                                                        Efficient
                                                   Methodical                                Automated
        application                                                        data entry
                                                    contract                                 processing
          process
                                                   management
                                                                                Mass              Optical
            Easy        Flexible                                           correspondence        archiving
           product     conditions
         configuration                                       What                       Integrated Accounting
                                                         do customers
            Technical Aspects                             expect from             Master Data Management
         Customer-specific                                   CML?                 Central Business Partner
           customizing Integration                                                  Credit
                                                                Analysis           Standing     Object-
        Latest Technology                                                            check management
                                                       Total commitment with
       Performance                                           loan partner                         Collaterals
                                          Drilldown reporting        Drilldown reporting
                                         to create own reports      with standard reports

 SAP AG 2003, MySAP Banking Base Camp, CML / 11
             CML Business Process

                                Customer Request
                                                        New
                                                      Business
                                Contract Conclusion


                                Contract
                                Disbursement          Execution


                                Accounting


                                Contract Processing   Collection

                                Contract Default


                                Contract Closing
                                                      Portfolio
                                Contract Analysis


 SAP AG 2003, MySAP Banking Base Camp, CML / 12
             CML Business Process

                                                              Business Partner
Customer Request
                                                     New      Contract creation
                                                              Conditions
                                                   Business
                                                              Collateral /Objects
Contract Conclusion




 SAP AG 2003, MySAP Banking Base Camp, CML / 13
             Master Data Management in CML




                                                   Business-        Credit
                          Product                                  Standing
                                                    partner


                                                                    File
                   New Business
                                                      CML        management
                      tables



                      Object-                                     Collateral
                                                   Collaterals
                    management                                     value

 SAP AG 2003, MySAP Banking Base Camp, CML / 14
             Master Data Management – Introduction of CMS




                                                   Business-         Credit
                          Product                                   Standing
                                                    partner


                                                                     File
                   New Business
                                                      CML         management
                      tables


                             C
                       Object-          M           S Collateral
                                        Management
                      Object Collateral Collaterals Systemvalue
                     management                            Collateral
                   Management                       Collaterals        value

 SAP AG 2003, MySAP Banking Base Camp, CML / 15
             SAP Business Partner as Central Anchor




          Central Address
          Central Address                           Distribution to and
                                                    Distribution to and
           Management
           Management                              from Other Systems
                                                   from Other Systems


                                                        Flexible
                                                        Flexible
           Management of
           Management of                            Enhancement of
                                                    Enhancement of
           Relationships
            Relationships                              Data and
                                                        Data and
                                                     Screen Design
                                                     Screen Design

                                                   Comprehensive and
                                                   Comprehensive and
             Role Concept
             Role Concept                             Centralized
                                                      Centralized
                                                     Customer Data
                                                     Customer Data




 SAP AG 2003, MySAP Banking Base Camp, CML / 16
             CML Products




                             Mortgage Loans              General Loans




                                                   CML
                                                              Policy Loans

                  Consumer Loans as
                          from 2003                      Borrower‘s Note Loans



 SAP AG 2003, MySAP Banking Base Camp, CML / 17
               Contract: Overview Data



                                                       Product


                               Conditions                           Business
                                                                     Partner



                                                   Loan Contract

                                                                       Basic
                               Correspondence                           Data

                                                       Evaluation
                                                          Data



 SAP AG 2003, MySAP Banking Base Camp, CML / 18
             Conditions and Structuring - Overview



                      Repayment forms               Interest calculation

                           Installment repayment      Fixed Interest
                          Annuity repayment           Variable Interest
                           Maturity repayment         Formula-based interest



                    Commitment interest / charges   Discount / premium calculation

                           Percentage of defined      Proportionally per
                           base amounts               disbursement
                           Fixed amounts              Total amount with first
                                                      or final partial disbursement




 SAP AG 2003, MySAP Banking Base Camp, CML / 19
             Condition Concept

                  Master data
                                                                              . . . Condition header
                 Loan contract


                      Loan
                    basic data
                                                             Fixed Interest Period             Charges from
                                                             from 10.01.YY                     10.01.YY
             Condition header                                      09.30.YY                     50 €
            -----------------------------          Fixed Interest Period             Repayment
                                                   from 10.01.YY                     from 10.01.YY
                    Condition                            09.30.YY                    1150 €
                     items                                                   Interest
                                                                             from 10.01.YY
             Planned            records                                      5.5%
                                                                  Interest
                                                                  from 10.01.YY
                     Cash flow                                    5%


                                                            Condition items

    Calculate                      Calculate
  payment plan                     effective
                                    interest



 SAP AG 2003, MySAP Banking Base Camp, CML / 20
             Contract Management: Highlights


                   Extensive master data information (customer
                   and loan data)
                   Offer phase with credit standing evaluation
                   Grouping of loans, project assignment of loans
                   Loan status tracking

                                Flexible Conditions
                                Payment and Correspondence details
                                Storage of collateral information


                                                   Limit setting and limit utilization tracking
                                                   Bookkeeping in parallel ledgers



                                                               Legacy data conversion tools


 SAP AG 2003, MySAP Banking Base Camp, CML / 21
             CML Business Process

                                                               Business Partner
Customer Request
                                                     New       Contract creation
                                                               Conditions
                                                   Business
                                                               Collateral /Objects
Contract Conclusion
                                                               Disbursement
                                                               Integration Financial Accounting and
Contract                                           Execution
Disbursement
                                                               and Cash Mgmt
                                                               Correspondence




 SAP AG 2003, MySAP Banking Base Camp, CML / 22
               Loans Integration with SAP GL (FI)

                                                                 Loan contract: Cash flow
                                                   05/01//YY    150,000.00   Loan disbursement         0001
                                                   06/30/YY       1,720.83   Interest debit position   0110
                                                   06/30/YY         639.05   Annuity repayment         0125




                          FI interface                                                                 Realtime posting
                                                                                                       of flows




                                                                Financial Accounting
                                               Interest        Repayment     Write     Other      Accr./Defer.
                                             Receivables       Receivables   -offs    Revenue      Liabilities




 SAP AG 2003, MySAP Banking Base Camp, CML / 23
             Correspondence


                                                      Correspondence




                           Standardized                              Individual
                          Correspondence                           Correspondence




                                                   Mass run     Single run

 SAP AG 2003, MySAP Banking Base Camp, CML / 24
             CML Business Process

                                                                Business Partner
Customer Request
                                                     New        Contract creation
                                                                Conditions
                                                   Business
                                                                Collateral /Objects
Contract Conclusion
                                                                Disbursement
                                                                Integration Financial Accounting and
Contract                                           Execution
Disbursement
                                                                and Cash Mgmt
                                                                Correspondence
                                                                Payment transactions
                                                                Incoming payment post-processing
Accounting                                                      Transfer postings
                                                   Collection
                                                                Reversal
                                                                Dunning / Interest on arrears
                                                                Accruals/deferrals




 SAP AG 2003, MySAP Banking Base Camp, CML / 25
             Payment Processing - Overview


                         Disbursements                   Repayments

                               Single disbursement         Debit memo procedure

                               Multi disbursements         Direct payers




                          Flexibly definable payment details
                          Automatic triggering of outgoing payments
                          Payments to 3rd parties, e.g. agents/brokers
                         Processing of incoming payments, including application of
                         overpayments
                          Actions for payments which cannot be applied – redirection
                          or rejection

 SAP AG 2003, MySAP Banking Base Camp, CML / 26
             Payment Collection and Recovery

       Due Payments
                                     Contract Receivables
                                         1,500

                                                                      Incoming Payments

    Payments assigned                                                      Via e.g. Collection
      and reconciled                                                                   Transfer or
                                     Contract Receivables                                 Check
                                         1,500
                                                   1,500



       Due Payments
                                     Contract Receivables
                                         1,500




                                                            X
         Dunning /                                                         No Incoming
     Interest on Arrears                                                    Payments

                                     Contract Receivables
       Dunning/                                                 Dunning
                                        1,500
      Int.on Arr.                                                notices
                                          125
          list

 SAP AG 2003, MySAP Banking Base Camp, CML / 27
             Open Item Management: Highlights


                       Automatic tracking of all due payments

                       Automatically match payments to open receivables


                       Tracking of overdue items

                       Calculation of charges on overdue items

                       Reminder notes (dunning) and rules for reminder notes


                       Reversal of all documents


                       Automatic accrual / Deferral runs


 SAP AG 2003, MySAP Banking Base Camp, CML / 28
             CML Business Process

                                                                Business Partner
Customer Request
                                                     New        Contract creation
                                                                Conditions
                                                   Business
                                                                Collateral /Objects
Contract Conclusion                            e
                                            eas
                                        Rel                     Disbursement
                                                                Integration Financial Accounting and
Contract                                           Execution




                                                                                                       User Authorizations
Disbursement
                                                                and Cash Mgmt
                                                                Correspondence
                                             e
                                       Releas                   Payment transactions
Accounting                                                      Incoming payment post-processing
                                                                Transfer postings
                                                   Collection
                                                                Reversal
Contract Processing                                             Dunning / Interest on arrears
                                             e
                                         leas
                                                                Accruals/deferrals
                                       Re                       Rollover
Contract Default
                                                                Borrower change
                                                   Portfolio    Payoff/ unscheduled repayment
Contract Closing                                                Waiver
                                                                Parallel valuations
                                                                Archiving
Contract Analysis
                                                                Reports

 SAP AG 2003, MySAP Banking Base Camp, CML / 29
             Rollover

    Roll-over of contracts, including workflow capabilities and due date tracking

               YY.MM.DD                                 YY.MM.DD+3               YY.MM.DD+15
                                                                                               Time


                  Conclusion                       End of first fixed            At end of
                  of contract                      condition period              loan term


                                                                        Change contract or   Rollover

                    Contract                              Offer/Contract
    Conditions:                                      Conditions:
    Fixed from YY.MM.DD                              Fixed from YY.MM.DD +3
    Fixed until YY.MM.DD+3                           Fixed until YY.MM.DD+7




 SAP AG 2003, MySAP Banking Base Camp, CML / 30
             Business Operations in Overview


              Early Repayments, partial or full
              Additional Charges
              Individual Postings
              Write-offs
              Borrower Changes
                                                                                        Delete      Deleted
                                                                         Entered/                  Deleted
                                                                        Entered/
                                                                          Saved
                                                                         Saved            Change
             Workplace-structured entry of business                          Activate (release, if required)

             transactions
                                                          Saved as a
             Business partner-based, contract-based, or    planned
                                                                         Activated
                                                                        Activated
                                                                                        Delete      Deleted
                                                                                                   Deleted
                                                            record
             project-based selection for business
                                                                              Post
             transaction entry
                                                          Saved as an     Posted
                                                                         Posted
             Status tracking of business transactions       actual
                                                            record

                                                                              Reverse
             Reversal of any posting
                                                                         Reversed
                                                                        Reversed
             Release functionality
 SAP AG 2003, MySAP Banking Base Camp, CML / 31
             Parallel Valuations


                                                   Operational Valuation Area         Operative
                                                                                      Valuation
                                                                 Ledger Management
                                                                        HGB
                                                                                     Rate gains


                                                                 Ledger Management
              Contract
                                                                     US-GAAP          Parallel
                                                   Distributor


                                                                          .           Valuation
                                                                          .
                                                                          .
                                                                 Ledger Management   Rate gains
                                                                        IAS

                                                   Parallel Valuation Areas



 SAP AG 2003, MySAP Banking Base Camp, CML / 32
             Document Data Archiving




                                                   Document Data Archiving




                                                           Goal:
            To relieve the database of posting documents which
           are no longer needed and guarantee that the database
                    is always working to its full capacity


 SAP AG 2003, MySAP Banking Base Camp, CML / 33
             Release Procedure in CML

             Release available for:                      Release control:
             Loan master data                            Release can be set up using the
                                                         control parameters company code,
             Object data                                 product type, contract status,
                                                         threshold value and currency
             Decision-making
                                                         Double, treble or quadruple
             Disbursement
                                                         release control can be
             Payoff                                      implemented

             Capital transfer                      The
                                                       rele
                                                    sup ase p
             Charges                                    por     r
                                                            ted ocedur
             Payment postprocessing                            by S   e in
                                                                   AP
                                                                      Wor CML is
             Reversal postings                                            kflo
                                                                               w


 SAP AG 2003, MySAP Banking Base Camp, CML / 34
             Reporting

                       Infosystem with predefined reports
                                  Transaction-based reports
                                  Analyses on loan positions, commitments, or loan balances
                                  Revenue analyses
                                  Accounting and account analysis reports


                       Drilldown capabilities for predefined reports, e.g. to level of
                       individual contract
                       Drilldown reporting tool for definition of further reports
                                                                                                                Report list




                                                            Smith
                                         Business Partner




                                                                                                          CHF
                                                            Brown
                                                                                                      USD
                                                                                                    DEM     Currency
                                                            Miller
                                                                     Mortgage   Policy   Consumer


                                                                          Product

 SAP AG 2003, MySAP Banking Base Camp, CML / 35
               CML Backoffice: Highlights



                        Fully automated mass rollover process
                        Business operations
                        Automatic accounting postings to financial ledgers
                        Release functionality
                        Document archiving
                        Comprehensive reporting
                        Change documents provide complete audit trail
                        Roles




 SAP AG 2003, MySAP Banking Base Camp, CML / 36
             Contents


                                                   1 Introduction


                                                         2    Functional Overview


                                                              3    Demo


                                                              4    Customer Base


                                                          5       Success Stories


                                                    6   The way ahead


 SAP AG 2003, MySAP Banking Base Camp, CML / 37
               mySAP Banking – CML Lifecycle
                                                                              Customer
                                   Analysis
                                                                              inquiry
                                                           7
                                                                   Customer
                                                                                          Create
                                                                                      1   Offer
  Contract
  Closing
                           6
                                                                                          2 Conclude
                                                                                             Contract
                                                   Bal.Sheet




   Accounting                       5

                                                                                3
                                                               4                    Disbursement
                                               Contract
                                               Processing
 SAP AG 2003, MySAP Banking Base Camp, CML / 38
             Contents


                                                   1 Introduction


                                                         2    Functional Overview


                                                              3    Demo


                                                              4    Customer Base


                                                          5       Success Stories


                                                    6   The way ahead


 SAP AG 2003, MySAP Banking Base Camp, CML / 39
             Customers worldwide


                mySAP Banking Solutions
                mySAP Banking Solutions
                 More than 350 installations
                 More than 350 installations
                 In more than 20 countries
                 In more than 20 countries



                                                   CML Installations
                                                   CML Installations
                                                    More than 500 installations
                                                    More than 500 installations
                                                    In more than 45 countries
                                                    In more than 45 countries

                                                                  CML Banking Customers
                                                                  CML Banking Customers
                                                                   Current customer growth rate =
                                                                   Current customer growth rate =
                                                                   30 - 40% p.a.
                                                                   30 - 40% p.a.
                                                                   37 top German banks
                                                                   37 top German banks
                                                                   5 Austrian banks
                                                                   5 Austrian banks
                                                                   Renowned banks in Brazil,
                                                                   Renowned banks in Brazil,
                                                                   Holland, Hungary, Korea and
                                                                   Holland, Hungary, Korea and
                                                                   South Africa
                                                                   South Africa

 SAP AG 2003, MySAP Banking Base Camp, CML / 40
             CML – Customer Growth

        600
                                                                                             505
        500                                                                            479
                                                                                 459
                                                                           434
                                                                     400
        400
                                                               330
        300                                              280

                                                   205
        200
                          115
        100

              0
             0




             1




             2
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      Ap




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 SAP AG 2003, MySAP Banking Base Camp, CML / 41
             CML – Customer Segments


                                                        January 2003



                         Banks                      68



                  Insurances                       47



                   Corporates                                          390


                                            0              100         200   300   400




 SAP AG 2003, MySAP Banking Base Camp, CML / 42
             CML- Customers by Region


                                                           January 2003

                                 Europe                                                         337
                                         Asia                    79
                                       Africa          17
                             Australia                 4
   North & Mid.America                                      37
               South America                               31

                                                   0       50    100   150   200   250   300   350




 SAP AG 2003, MySAP Banking Base Camp, CML / 43
             CML- Customer Segments – Germany and Europe



                                                   January 2003



                       Banks                       38   14


             Insurances                            33 12


            Corporates                                       137               102


                                            0           50         100   150    200   250


 SAP AG 2003, MySAP Banking Base Camp, CML / 44
                                                       Au
                                                           st




                                                                   0
                                                                   5
                                                                  10
                                                                  15
                                                                  20
                                                                  25
                                                                  30
                                                                  35
                                                                  40
                                                              ra
                                                      G Br lia
                                                   Iv er az
                                                      or m il
                                                         y an
                                                           C y




 SAP AG 2003, MySAP Banking Base Camp, CML / 45
                                                          Froas
                                                              an t
                                                           Ja c
                                                   Li C p a e
                                                      ch a n
                                                   L u te n a
                                                      x n d
                                                   M em ste a
                                                     os b in
                                                         am ou
                                                         H q  bi rg
                                                           ol ue
                                                          N lan
                                                            i
                                                                       19 Countries




                                                    Sw A g e r d
                                                        itz us ia
                                                           er tria
                                                   S o Sl l a
                                                                                      Countries with CML Bank Customers




                                                   So hut ove nd
                                                       ut Af nia
                                                         h ric
                                                       Th Ko a
                                                           ai rea
                                                        H la
                                                          un n d
                                                               ga
                                                                  ry
             CML Customer Base

Just some of the customers . . .




                                                   . . . CML has gained worldwide!
 SAP AG 2003, MySAP Banking Base Camp, CML / 46
             Contents


                                                   1 Introduction


                                                         2    Functional Overview


                                                              3    Demo


                                                              4    Customer Base


                                                          5       Success Stories


                                                    6   The way ahead


 SAP AG 2003, MySAP Banking Base Camp, CML / 47
             DZ Bank runs BCA, CML and SEM Banking




     DZ Bank                                       Wholesale Banking
                                                   Wholesale Banking
     (former SGZ-Bank, GZB-                        Commercial Banking
                                                   Commercial Banking
     Bank and DG-Bank)                             Private Banking
                                                   Private Banking
                                                   CML, BCA, SEM Banking,
                                                   CML, BCA, SEM Banking,
     SAP Products
     SAP Products                                  mySAP Financials
                                                   mySAP Financials

       Key drivers
                 Legacy systems were at the end of their lifecycle
                 Euro and Y2K
                 SAP‘s positive track record in ERP solutions
                 Positive experience with SAP before merger pushed SAP for roll-out
                 after merger
                 Costs of running SAP are lower than running legacy systems of DG-
                 Bank
 SAP AG 2003, MySAP Banking Base Camp, CML / 48
             HVB Real Estate Capital (HVB Group) Runs CML




     HVB Real Estate Capital                       International property investment
                                                   International property investment
     France SA                                     financing
                                                   financing
     (HVB Group)                                   Investment banking
                                                   Investment banking

     SAP Products
     SAP Products                                  CML, mySAP Financials, CFM
                                                   CML, mySAP Financials, CFM


       Key drivers
                 Legacy system old and inflexible
                 Large number of manual interfaces and various workflows making new
                 products difficult to position
                 Redundant data and old methods of accessing and securing customer
                 and financial data
                 Easy to configure products mean time-to-market much shorter
                 SAP established as strategic partner for HVB after demanding project
                 concluded successfully
 SAP AG 2003, MySAP Banking Base Camp, CML / 49
             Deutsche Verkehrsbank AG Runs CML




                                                   Leading advisory bank and financing
                                                   Leading advisory bank and financing
     DVB is a subsidiary of the                    institution for the global transport market
                                                   institution for the global transport market
     DZ Bank                                       (mainly shipping and aviation)
                                                   (mainly shipping and aviation)

                                                   CML, BCA, SEM Banking, CFM,
                                                   CML, BCA, SEM Banking, CFM,
     SAP Products
     SAP Products                                  mySAP Financials
                                                   mySAP Financials

       Key drivers
                 Legacy system landscape generally too inflexible to keep up with large
                 structural changes within the bank. The complex, heterogeneous
                 landscape comprising of over 120 different applications becoming more
                 and more of a hinderance to optimisation
                 Too many interfaces to maintain thus running costs very high
                 Knowledge in too few hands leading to greater dependencies
                 Conversion to Euro

 SAP AG 2003, MySAP Banking Base Camp, CML / 50
             Itaú Bank Runs CML after just four months!




     Itaú Bank                                     Private Banking
                                                   Private Banking


     SAP Products
     SAP Products                                  CML, APO, BW, mySAP Financials .. .. ..
                                                   CML, APO, BW, mySAP Financials


       Advantages of SAP
                 SAP CML offers a standard solution
                 Short implementation time
                 Ability to set up homogeneous processes such as contract
                 administration processes (assets sales, mortages using price tables
                 and SAC modalities) as well as Accounts Receivable processes
                 (payments and collections)
                 Software easy to adjust to Brazilian localization requirements

 SAP AG 2003, MySAP Banking Base Camp, CML / 51
             Contents


                                                   1 Introduction


                                                         2    Functional Overview


                                                              3    Demo


                                                              4    Customer Base


                                                          5       Success Stories


                                                    6   The way ahead


 SAP AG 2003, MySAP Banking Base Camp, CML / 52
             Today‘s CML Elements within SAP Core Banking


                                                   Point of Sales and Services
                                                                                 B
                                                                                 B
                                                                                 U
                                                                                 U
                                                                                 S
                                                                                 S
                                                       mySAP CRM                 II
                                                                                 N
                                                                                 N
                                                                                 E
                                                                                 E
                                                                                 S
                                                                                 S
                                                                                 S
                                                                                 S
                           Securities
                           Securities
                          Management
                          Management
                                                               Core Banking      P
                                                                                 P
                                                                                 A
                                                                                 A
                                                                                 R
                                                                                 R
                                                                                 T
                                                                                 T
                                                                                 N
                                                                                 N
                                                                                 E
                                                                                 E
                          Applications for Enterprise Management                 R
                                                                                 R



 SAP AG 2003, MySAP Banking Base Camp, CML / 53
               Elements of the Existing Loans Solution



                                    CML – Core-Banking Mortgage Loans
                                          Core-Banking

                            Credit Check
                            Credit Check             Collateral
                                                     Collateral     Financing Object
                                                                    Financing Object

                                                    Settlement //
                                                    Settlement         Payment
                                                                       Payment
                     Offer Management
                     Offer Management
                                                   Debit Position
                                                   Debit Position     Processing
                                                                      Processing
                                                   Calculation of
                                                   Calculation of
                            Contract
                            Contract                Interest and
                                                    Interest and      Cash Flows/
                                                                      Cash Flows/
                           Management
                           Management                 Charges
                                                      Charges       Capital Amounts
                                                                    Capital Amounts

                                                     Reporting
                                                     Reporting




 SAP AG 2003, MySAP Banking Base Camp, CML / 54
             Target Application Landscape


                                                   Point of Sales and Services
                                                                                                B
                                                                                                B
                                                                                                U
                                                                                                U
                                                                                                S
                                                                                                S
                                                       mySAP CRM                                II
                                                                                                N
                                                                                                N
                                                                                                E
                                                                                                E
                                                                  Payment Engine (PE)
                                                                  Payment Engine (PE)
                                                                                                S
                                                                                                S
                                                                                                S
                                                                                                S
                                                            Account
                                                            Account
                           Securities
                           Securities                   Management(AM)
                          Management
                          Management
                                                                Core Banking &(CML)
                                                        Management(AM)
                                                         Bank Customer
                                                         Bank Customer
                                                                       Consumer & Mortgage
                                                                       Consumer   Mortgage
                                                                           Loans (CML)
                                                                           Loans                P
                                                                                                P
                                                         Accounts (BCA)
                                                         Accounts (BCA)
                                                                                                A
                                                                                                A
                                                           Collateral Management System (CMS)
                                                           Collateral Management System (CMS)
                                                                                                R
                                                                                                R
                                                                                                T
                                                                                                T
                                                                                                N
                                                                                                N
                                                                                                E
                                                                                                E
                          Applications for Enterprise Management                                R
                                                                                                R



 SAP AG 2003, MySAP Banking Base Camp, CML / 55
             Elements of the Enhanced Loans Solution

                                       CML – Consumer and Mortgage Loans
                               Credit-standing
                               Credit-standing           Collaterals            Financing Object
                                                         Collaterals            Financing Object
                                   check
                                   check

                           Offer management             Settlement //              Payment
                                                                                   Payment
                           Offer management             Settlement
                                                       Debit positions            processing
                                                                                  processing
                                                       Debit positions
                                  Contract
                                  Contract              Interest and
                                                        Interest and             Cash Flows/
                                                                                  Cash Flows/
                                 management
                                 management               charges
                                                          charges               Capital amounts
                                                                                Capital amounts

                            Automatic business
                            Automatic business           Performance
                                                         Performance               Refinancing
                                                                                   Refinancing
                              processes e.g.
                              processes e.g.
                                                       Internal payment
                                                       Internal payment
                              Disbursement
                               Disbursement                                          BAPIs
                                                                                     BAPIs
                                                         transactions
                                                          transactions

                                                          Reporting
                                                          Reporting

                                                   Reorganization - Archiving
                                                   Reorganization - Archiving

                     Existing functionality                    New / Enhanced functionality

                     Functionality will not be developed further in CML
 SAP AG 2003, MySAP Banking Base Camp, CML / 56
             What CML has to offer in FinServ 2.00




                                                   Development Areas

                                                     Existing Product Enhancements

                                                     Technology and Integration

                                                     Consumer Loans




 SAP AG 2003, MySAP Banking Base Camp, CML / 57
             What CML has to offer in FinServ 2.00

                                                   Existing Product Enhancements

                                                      Enhancement of status management and
                                                      processing characteristics

                                                      Borrower change with capital transfer

                                                      New value adjustment tool ‘RBD’ (Reserve for Bad
                                                      Debt)

                                                      Write-off of minor amounts

                                                      Simple reversal chain

                                                      Mass archiving of outgoing CML documents in
                                                      the optical archive




 SAP AG 2003, MySAP Banking Base Camp, CML / 58
             What CML has to offer in FinServ 2.00

                                                   Technology and Integration

                                                      Performance enhancements to mass runs


                                                      Link up to the change document tool in Account
                                                      Management

                                                      Interface to CMS (Collateral Management System)

                                                      Interface to BW (Business Warehouse)

                                                      Futher BAPIs for master data, business operations
                                                      and data extraction




 SAP AG 2003, MySAP Banking Base Camp, CML / 59
             What CML has to offer in FinServ 2.00

                                                   Consumer Loans

                                                      New user interfaces and fast entry screens
                                                      Configurable product profile
                                                      Processing of life insurance data
                                                      Model / Sample calculations
                                                      New business operations
                                                          Payment deferral
                                                          Rolling outstanding payments into principal
                                                          Notice / termination of loan
                                                          Credit capital increase
                                                          Revoking a loan

                                                      Enhancements of the dunning and late interest
                                                      charge functionalities
                                                      Authorization concept enhancements


                         First delivery only to our cooperation partner Postbank

 SAP AG 2003, MySAP Banking Base Camp, CML / 60
             Future Further Enhancements to CML



                                                   Incorporate Product Configurator and new business
                                                   transactions into all existing products

                                                   Provide a financial project solution

                                                   Refinancing (securitization/mirror deals)

                                                   Provide an alternative to FI Customer accounting

                                                   Further performance/scalability enhancements

                                                   Further interface enhancements (PE, BA, CRM, ..)




 SAP AG 2003, MySAP Banking Base Camp, CML / 61
             Why buy CML?

             . . . it is an SAP Solution



                       SAP has a proven 30-year track record

                       SAP provides a proven and state-of-the-art basis technology

                       Reduces IT-complexity, operational costs and project risks of
                       inhouse development

                       The SAP applications can be flexibly integrated in different
                       application landscapes and can run together with NON-SAP-
                       applications




 SAP AG 2003, MySAP Banking Base Camp, CML / 62
             Why buy CML?
                                                                      Point of Sales and Services   BB
                                                                                                    UU
                                                                              mySAP CRM
                                                                              mySAP CRM             S.
                                                                                                    S.

             . . . it is part of the mySAP-Banking Suite           Sec.
                                                                   Sec.
                                                                                                    P
                                                                                                    P
                                                                                                    A
                                                                                                    A
                                                                                   Core Banking
                                                                                   Core Banking     R
                                                                                                    R
                                                                   Mgt
                                                                    Mgt
                                                                                                    T
                                                                                                    T
                                                                                                    N
                                                                                                    N
                                                                                                    E
                                                                                                    E
                                                                          Enterprise Management
                                                                          Enterprise Management     R
                                                                                                    R




                       SAP has made a clear commitment to the banking sector to
                       provide standard banking software applications

                       SAP is ready to deliver CML as part of its flexible and modern
                       set of core banking products

                       SAP Core Banking has the potential to cut transaction costs
                       whilst enhancing the service level

                       IBU Financial Services can invest resources for localization
                       on a business case basis



 SAP AG 2003, MySAP Banking Base Camp, CML / 63
             Why buy CML?                                                        Payment Engine (PE)
                                                                                 Payment Engine (PE)

                                                                             Account Mgt
                                                                             Account Mgt
                                                                                (AM)
                                                                                 (AM)        Consumer &
                                                                                             Consumer &
             . . . CML in its own right                                       Bank Cust.
                                                                               Bank Cust.
                                                                                              Mortgage
                                                                                               Mortgage
                                                                                             Loans (CML)
                                                                                             Loans (CML)
                                                                              Accts(BCA)
                                                                              Accts(BCA)

                                                                             Collateral Management System
                                                                             Collateral Management System
                                                                                          (CMS)
                                                                                           (CMS)


                       Has years of market and industry experience

                       Shows dedication to banking, offering ongoing, sophisticated,
                       bank-oriented functional enhancements

                       Capable of both the ‘fully integrated’ as well as ‘best of breed’
                       approach

                       It has the Postbank as pilot customer for ‘Consumer Loans’

                       Intends to conquer further countries and market sectors

                       There is no other vendor out there with a comparable loans solution

                       CML is the SAP credit solution of the future

 SAP AG 2003, MySAP Banking Base Camp, CML / 64
             Therefore SAP CML




                                               L o ans –
                                      tg a g e
                             n d M or
                    u m er a
           SAP Cons
                                            ol ut i o n
                                  loans s
                  ply th e be s t         t
              S im               m ar k e
                       o n t he


                   Over 500 customers cannot be wrong. . .

                   Position CML with your prospects and customers TODAY!



 SAP AG 2003, MySAP Banking Base Camp, CML / 65
             Further Information about CML

                                                   Contact CML Product Management:
                                                           manuel.grueber@sap.com

                                                           ralf.knoebl@sap.com

                                                           mathias.staib@sap.com

                                                    Coming soon:
                                                          SAP INFO Banks & Insurances Article
                                                          Function Broschure FinServ 1.10
                                                          Function List FinServ 1.10
                                                          New Solution Brief
                                                          IDES Scenarios
                                                          ...


 SAP AG 2003, MySAP Banking Base Camp, CML / 66
                                                     Any
                                                   Questions ?



 SAP AG 2003, MySAP Banking Base Camp, CML / 67
                                                   Thank you
                                                   for your
                                                   attention!



 SAP AG 2003, MySAP Banking Base Camp, CML / 68
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 SAP AG 2003, MySAP Banking Base Camp, CML / 69

				
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Description: consumer and mortgage loans made easy