Paolo Madella 14th Finance It Forum

Unifying business and risk perspectives in the credit lending process.

Sofia - April 19, 2012

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Highlights

Exprivia SpA is an Italian IT company focused on design and development of innovative software technologies and IT services for the following markets:

banking and finance;

manufacturing & distribution;

defense & aerospace;

energy, telco and utilities;

health and public administration.

Founded in 1983

Listed at Milan Stock Exchange since

August 2000

Founded in 1983

Listed at Milan Stock Exchange since

August 2000

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Highlights

ITALY : 9 Branches

Molfetta (BA) - Headquarter

Bari, Milano, Roma, Piacenza, Trento,

Vicenza, Genoa, Padoa

SPAIN: 4 branches (Prosap e Exprivia Sl)

2 branches in Madrid, Barcellona, Las Palmas

(Canarie)

SOUTH AMERICA:2 branches

(Prosap –Exprivia Do Brasil)

Lima (Perù) – San Paolo (Brasil)

CENTRAL AMERICA: 2 branches (Prosap)

Mexico CityGuatemala City

2011 Data

€121 M VoP 1600 Employees 8.7 M EBT

The Scenario

Business

• Budget

• Customer Satisfaction

• Time to Yes/Time to Cash

LendingLendingProcessProcess

Risk

• Data quality

• Accurate evaluation

• Policies adherence

The Exprivia Solution

Exprivia provides a suite of software tools supporting the automation of the entire credit lending process, covering both the risk assessment aspects and the pure operational tasks.

CreditOnWeb supports the credit approval process, from the collection of client data, up to creditworthiness assessment, from the credit application definition up to the approval stage.

CONTMAN automates the contract generation process starting from validated templates and data taken from the underwriting tool (CreditOnWeb), managing different approval workflows, as in the case of negotiation with the client.

Credit lending process

Activities handled by CreditOnWeb

Credit Lending

Credit Lending MonitoringMonitoring WorkoutWorkout

Informationacquisition

Informationacquisition EvaluationEvaluation DecisionDecision Contract

Signing

ContractSigning Disbursement Disbursement

Credit Application definition: requested loans and provided collaterals

Information on client: property structure, management, financial statement, market positioning, relationship with the bank …….

Activities handled by CONTMAN



Credit Lending




Signing


Rating calculation based on qualitative and quantitative data

Decision entity and workflow calculation

Automatic rejection or approval




Credit Lending




Signing


Workflow execution through different bank units ending with the decision entity

Approval/rejection of the credit application.

Possibility to combine the approval of a notched rating together with the credit application approval.




Credit Lending




Signing


Automatic contract Generation

Negotiation with the customer

Approval workflow

Contract signing




Credit Lending




Signing


Loans and Collaterals creation/update in the legacy system*

•Checking obligations for disbursement

*Interaction with Legacy System


Relevant features :

Web-based application

Multilingual – at user level

Parametric definition of

menus and pages

portfolio of credit lines and collaterals typologies

financial statement input and reclassification schemas

roles and limits involved in the approval process

user profiles for access control

Handling of credit application for members of the same economic group

Real-time Agenda for each user

Independent Rating and Financial Statement Module

CreditOnWeb functional Overview

Enhance credit risk assessment ensuring uniform methodology

Increase efficiency and speed of underwriting process, reducing the cost of credit granting

Build up credit information for internal datawarehouse essential for credit control

CreditOnWeb added-value

CreditOnWeb References

17 banks, 14 countries over 3500 branches

Albania – Veneto Banka S.ha.Bulgaria – UNICREDIT BULBANK A.D.Croatia – ZAGREBACKA BANKACroatia – VENETOBANKA, ZagrebCzech Republic – UNICREDIT BANK CZ A.S.Hungary – UNICREDIT BANK HUNGARYItaly – BANCA POPOLARE DI SONDRIOItaly – BANKS in service of ISIDE SERVICE CENTERPoland – BANK PEKAO SARepublic of Moldova – EXIMBANKRepublic of Serbia – UNICREDIT SERBIARomania – UNICREDIT TIRIAC BANK S.A.Romania – ITALO ROMENA BANKRussia – UNICREDIT BANK RUSSIASlovak Republic – UNICREDIT BANK SLOVAKIA A.S.Slovenia – UNICREDIT BANK SLOVENIA A.S.Turkey – YAPIKREDI BANK

Processes covered by CONTMAN

End of the Underwriting process

End of the Underwriting process

DisbursementDisbursement

Obligations ManagementObligations Management



ContractSigning

ContractSigning

ContractApproval

ContractApproval

ObligationsDefinition

ObligationsDefinition

Annexes ManagementAnnexes Management

Contract TerminationContract Termination

ContractGeneration

ContractGeneration

Relevant features

Web Application

Multilingual – at user level

Possibility to define and validate with appropriate workflows

the set of basic components, named Contract Building Blocks

(CBB), from which create contract templates;

Parametric definition of different workflows for contract

signing with/without negotiations and contract termination;

Possibility to automatically create an annex to an existing

contract and the contract fair copy, by composing all approved

annexes;

Generation of tasks and/or reminders about customers

obligations;

CONTMAN Functional Overview

CONTMAN Added Value

Reduction of the processing time for contracts preparation

Reduction of the manual activities and lower operational risks

Ensuring the support for the business volume growth

External Rating Engine

Integration

CreditOnWeb

CONTMAN

CRM

DMS

Reporting

User Authentication

Exprivia tools Third parties tools

LegacySystem

DWSCredit Bureau

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More Information?

Please contact our partner in Bulgaria

SIRMA BUSINESS CONSULTING

to organize a live demo of our products in your premises.

Send an email to [email protected] phone to this number +359 878 198 980

THANK YOU

Exprivia s.p.a.Via Valtorta 4320127 Milano

www.exprivia.it

Paolo Madella 14th Finance It Forum

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