Temenos Ag · SIX:TEMN
Temenos — Specitec — Investor Presentation (August 2022)
22 slides from Temenos's investor presentation, August 2022
Slide 1: SpeciCred
Aoecitec ADVANCEDSOFTWARESOLU| LONS APECICRED 27)/ionignng,nne.nrsrenvion © Copyright 2022
Slide 2: Specitec
Specitec
Slide 3: The Company
The Company • Founded in November 2004 • Software editor dedicated to private banks • Experienced team dedicated to its clients: Banks, Family Offices, Industry, Public • Independent company • Based in Geneva (Switzerland) • Presence in Zurich, Luxembourg, USA, Singapore and Hong Kong Partnership an
Slide 4: Worldwide
Worldwide Luxembourg Switzerland USA Hong-Kong Singapore Brazil Located in Geneva Expertise in Private Banking Tailor-Made Solution Trusted partner Onsite development and 19 years of experience developing Easily customizable solutions 80 Installations Support software for the Private Banking industr
Slide 5: Finance Software
Finance Software Client /Front Portfolio SpeciCRED SpeciEBAN+ Credit monitoring and stress test e-Banking, m-Banking SpeciBLOTTER SpeciCRS Automatic Exchange of Information Forex activity by portfolio SpeciOptions FX & securities (strategies) SpeciSAR Suspicious activity reports for MROS (goAML) Com
Slide 6: Risk
Risk @OeCICRED ZS CREDIT MONITORING AND APPLICATION THE LEADING INNOVATIVE CRED SOFTWARE
Slide 7: SpeciCred Modules
SpeciCred Modules Computation of the standard Computation of the client E2E platform to initiate and bank policy LTV maintenance level (available) follow credit requests Goal: Goal: Goal: Computation and validation of LTV Optimization of client available Provide a standard validation at security lev
Slide 8: Standard Security LTV
Standard Security LTV Bloomberg MARKET DATA ENRICHMENT CORE BANKING SYSTEM Market data enrichment SpeciBBG • Bloomberg call on request • Price optimization
Slide 9: SpeciCred Overview
SpeciCred Overview Main modules ▪ Credit monitoring / Breach list ▪ Stress tests Scenarios ▪ Live Module (SpeciCred as a Service) ▪ Lending Value Calculator
Slide 10: Credit monitoring
Credit monitoring Main modules Other modules Business benefits ▪ Lending Value Calculator ▪ Dashboards ▪ Efficient and interactive tool to monitor ▪ Credit monitoring / Breach list ▪ Stress tests Scenarios your credits ▪ Credit application ▪ Live Module (SpeciCred as a Service) ▪ A powerful solution
Slide 11: Pledge allocation
Pledge allocation Allocation method ▪ Per market value, Client situation value Limit breach, documentation ▪ Breach management list, warnings, documentation Concentration view ▪ Per Asset / Issuer / Rating / Currency / Country… Scenarii ▪ Execute scenario on currency, instrument, account kind… Repor
Slide 12: SpeciCred features
SpeciCred features Credit application Breach list and comments Workflow ▪ Input mask depending on the ▪ Breach list CA requested by Steps from initial credit type (Lombard / mortgage) RM introduction to final approval ▪ Comment & documents ▪ Simulation ▪ Audit trail ok ▪ Existing utilization & credi
Slide 13: New Margin Module
New Margin Module Instruments and Valuation Methods Pricing methods Products Available pricing methods are: FX (underlying currency / precious metals) : ▪ Black & Scholes models (Garman Kohlhagen is ▪ FX Spots an extension of B&S for FX) ▪ FX Forwards ▪ FX Swaps ▪ Delta-Gamma method (1st and 2nd ord
Slide 14: Advantages of SpeciCred for the bank
Advantages of SpeciCred for the bank
Slide 15: Benefits of SpeciCred by module
Benefits of SpeciCred by module Computation of the standard Computation of the client E2E platform to initiate and Market data enrichment Bank Policy LTV maintenance level (available) follow Credit requests LV Calculator Credit Monitoring Credit Application SpeciBbg • Thinner control based on • Para
Slide 16: Business case 1. Automate manual monitoring
Business case 1. Automate manual monitoring Initial situation: Credit officers monitor customer credit risks and prevent incidents before they occur while allowing the bank to remain competitive on the terms offered to the client. To avoid mistakes, credit officers spend a lot of time to figure out
Slide 17: Business case 2. Optimize the loan to value of a client
Business case 2. Optimize the loan to value of a client Initial situation: Standard banking systems allow the computation of Lombard weighting factor (lending value) with few options. Advantage with SpeciCred: SpeciCred uses finer algorithms to calculate these values on a daily basis and to alert on
Slide 18: Business case 3. Simulate market downturns
Business case 3. Simulate market downturns Initial situation With the various waves of Covid impacting the economy and the recent invasion of Ukraine, banks need to simulate the impacts of these crises with stress tests for the past two years. Advantage with SpeciCred: SpeciCred offers the ability f
Slide 19: Business case 4. Digitalize the Credit Request Processes
Business case 4. Digitalize the Credit Request Processes Initial situation: Managing credit request manually leads to a fastidious time-consuming process, impacting the timeframe answer of the bank to the client. Advantage with SpeciCred: The Credit application module is a platform to smooth the pro
Slide 20: Benefits of SpeciCred for the Bank
Benefits of SpeciCred for the Bank Stakeholders Benefits Credit officers ✓ Handles a larger volume of credits due to automation ✓ Monitor and prevent the lack of collaterals thanks to early warnings and alerts (Breach list) ✓ Plan and schedule daily tasks with the event planner ✓ Monitor the adheren
Slide 21: Automate LV computation with a powerful engine
Automate LV computation with a powerful engine Automate haircuts based on a highly flexiblerule engine Calculation ofthe equivalent rating according to the Basel Ill methodology Generation ofa breach lst at different levels according criticality Generation of margin callletters Fastintegration (5 ta
Slide 22: SpeciCred by SpeciTec
SpeciCred by SpeciTec Hold by its members, SpeciTec is an independent organization, collaborating with many private and public actors. For the last 3 years, the growth of SpeciTec is fasting up to 20%, and 80% the benefits are invested in Research and Development. Acquiring SpeciCred means adopting