Core banking systems

Under volatile market conditions, greater attention is paid to the more traditional customer side of the business as it provides stable income and offers access to an attractive source of refinancing. However, here too there is growing pressure on margins e.g. as a result of new rules on deposit protection. As well as increasing demands from regulation, commercial law and new internal rules, banks face growing pressure to disclose information. In order to deal with all of these requirements, you need efficient processes and an overview of every side of the entire business. To this end, you must have an adequate core banking system in place with processes that can be integrated effectively into the bank's overall activities. 

Our service portfolio 

Based on our own experience, the integration of core banking systems requires a thorough understanding of the entire process and value chain, from loan applications through to payments, and of all your data requirements, from sales (controlling) through to balance sheet recognition (accounting and reporting). Using our tried and tested and highly specific process models, we can support our customers in every area of core banking systems.

These models allow us to:

  • Analyse your existing processes and IT architecture.
  • Propose a manufacturer-independent choice of core banking systems.
  • Optimise and redesign your existing credit processes (including checks on compliance with MaRisk - German minimum requirements on risk management).
  • Integrate new core banking systems (from concept design through to formal acceptance testing).
  • Link to outside systems e.g. trading and settlement, ALM and treasury systems. 
  • Extend existing systems e.g. through in-house development of smaller tools.
  • Specify an integrated data repository with due regard for the requirements of the KWG (German Banking Act), SolvV (German solvency regulations), LiqV (German liquidity regulations), IFRS and BilMoG (German Accounting Modernisation Act) through to an economic overview of risk and income measurement.  
  • Implement business intelligence solutions with due regard for internal and external reporting requirements.