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Asset Management

A range of digital solutions for Asset Management professionals.

Governance & IT

Chief Data Officer | Data Manager | Data Steward | Equipes Data & BI

Integraal for Banking brings a common vision and language to the teams. Whether for the Chief Data Officer, Data Manager, Data Steward, Data & BI Team or IT team, the metrics are shared and common. Integraal for Banking manages the acquisition, processing and cleaning of reference data. A generic Data-HUB designed to manage in an industrial way the global data of the organisation: description of the organisational structure, description of customers and commercial relationships, description of positions, description of transactions and finally description of accounting and analytical movements. Our solutions provides an industrialisation of the way of doing things and reusable components to constantly improve the user experience: meeting the needs of the business while guaranteeing security, traceability and, above all, the consistency and quality of the data.

Financial Management

Chief Financial Officer | Management Control

Integraal for Banking brings a common vision and language to the teams. Whether for the Chief Financial Officer, the Controllers or their operational teams, the indicators are shared and common. A single, agreed understanding to support strategy and organisational transformation: this is the challenge of a global management platform. The applications are ready to use, dynamic, interactive and enable the famous next question to be answered. Self BI‘ comes into its own and allows teams to create their own applications, visuals and analyses while taking advantage of the countless possibilities of ’story-telling‘. It is about giving teams the necessary autonomy, while relying on quality and available data.

Group Functions

Chief Risk Officer | Chief Compliance Officer | Chief Credit Officer | Chief Investment Officer

Integraal for Banking brings a common vision and language to the teams. Whether it is the Chief Risk Officer, the Chief Credit Officer, the Chief Compliance Officer, the Chief Audit Officer, the Chief Investment Officer and their operational teams, the indicators are shared and common. A single, universally accepted understanding to support strategy and organisational transformation: that is the challenge of a global management platform. The available applications are ready to use, dynamic, interactive and allow the famous next question to be answered. Self BI comes into its own and allows teams to create their own applications, visuals and analyses while taking advantage of the countless possibilities of ’story-telling‘. It is about giving teams the necessary autonomy, while relying on quality and available data.

Asset Management

 Head of PB | DeskHead | Relationship Manager | EAM | Business Introducers | … 

Integraal for Banking brings a common vision and language to the teams. Whether for the Head of PB, DeskHead, Relationship Manager, External Asset Manager or their operational teams, the indicators are shared and common. A single, simplified understanding to support strategy and organisational transformation: this is the challenge of a global management platform. The applications are ready to use, dynamic, interactive and allow you to answer the next question. Self BI comes into its own and allows teams to create their own applications, visuals and analyses while taking advantage of the countless possibilities of ’story-telling‘. It is about giving teams the necessary autonomy, while relying on quality and available data.

Helping you make better decisions

Banking Digital Solutions

Profitability
Management Sales
Efficiencies AML
Controls Operations
Excellence Management
Summary Financial
Budget & Scorecard

Profitability Management

Profitability management is based on the analysis of accounting and analytical transactions: recurring revenues, non-recurring revenues, direct and indirect costs are automatically broken down in a flexible and dynamic analytical model.

  • Recurring & non-recurring revenues
  • Direct & indirect costs (cost allocation)
  • RoA & CoA (Cost over Assets), gross, net, etc.
  • Cost allocation engine (distribution rules)
  • Cost of Funds
  • Retrocessions (EAM, Business Introducers, etc.)
  • Accruals
  • Recognition (recognition of income and/or costs over several teams)
  • Budgets and targets
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Sales Efficiencies

Supporting the sales teams as well as the management teams in monitoring their objectives.

  • Net New Money, Net New Loan, AuM, Internal Transfers, etc.
  • AuM variation (NnN, NmL, Forex & Market Effect)
  • Client Acquisition vs Churn
  • Penetration rate (of mandates and products)
  • Budgets and targets
  • Scoring and Notation (vs Corporate Benchmark)
  • Organisation drill down : Group, Entity, BU, Desks, RM, EAM, etc.

AML Controls

Enable Compliance teams to facilitate the management and monitoring of their regular audits.

  • First contribution vs. KYC, Large movements, Transit account
  • Cash movements, Qualified tax offences, Rules of conduct, etc.
  • History and log of controls (archiving and traceability)
  • Controls raise alerts (eMails, SMS, reports, push mode, etc.)
  • The controls are integrated into dashboards for the business lines
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Operations Excellence

Support the operational teams in monitoring their objectives and operational excellence.

  • Operations Volume
  • Transfers Reasons & Details
  • Reversal Rate
  • Document Pending
  • Recommandation (buy list)
  • Asset Allocation Models
  • Scoring & Notation (vs Corporate Benchmark)
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Management Summary

To provide management teams with a comprehensive view of the business, trends, risks and objectives.

  • Main indicators: NnM, AuM, Var, Revenues, RoA
  • Budget and target management
  • Scoring & Notation (vs Corporate Benchmark)
  • New Business (Client Acquisition vs Churn)
  • Products & Investment
  • Risk & Compliance
  • Organisation drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Financial Budget & Scorecard

Enable accurate monitoring of Budgets, Objectives and Scoring at all levels of the organisation.

  • Management of budgets and targets available at all levels of the organisation
  • Monthly budget management
  • Scoring allows you to assign a score from 0 to 5 on any indicator
  • Scoring is calculated dynamically at the organisation level (benchmark)
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Profitability Management

Profitability management is based on the analysis of accounting and analytical transactions: recurring revenues, non-recurring revenues, direct and indirect costs are automatically broken down in a flexible and dynamic analytical model.

  • Recurring & non-recurring revenues
  • Direct & indirect costs (cost allocation)
  • RoA & CoA (Cost over Assets), gross, net, etc.
  • Cost allocation engine (distribution rules)
  • Cost of Funds
  • Retrocessions (EAM, Business Introducers, etc.)
  • Accruals
  • Recognition (recognition of income and/or costs over several teams)
  • Budgets and targets
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Sales Efficiencies

Supporting the sales teams as well as the management teams in monitoring their objectives.

  • Net New Money, Net New Loan, AuM, Internal Transfers, etc.
  • AuM variation (NnN, NmL, Forex & Market Effect)
  • Client Acquisition vs Churn
  • Penetration rate (of mandates and products)
  • Budgets and targets
  • Scoring and Notation (vs Corporate Benchmark)
  • Organisation drill down : Group, Entity, BU, Desks, RM, EAM, etc.

AML Controls

Enable Compliance teams to facilitate the management and monitoring of their regular audits.

  • First contribution vs. KYC, Large movements, Transit account
  • Cash movements, Qualified tax offences, Rules of conduct, etc.
  • History and log of controls (archiving and traceability)
  • Controls raise alerts (eMails, SMS, reports, push mode, etc.)
  • The controls are integrated into dashboards for the business lines
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Operations Excellence

Support the operational teams in monitoring their objectives and operational excellence.

  • Operations Volume
  • Transfers Reasons & Details
  • Reversal Rate
  • Document Pending
  • Recommandation (buy list)
  • Asset Allocation Models
  • Scoring & Notation (vs Corporate Benchmark)
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Management Summary

To provide management teams with a comprehensive view of the business, trends, risks and objectives.

  • Main indicators: NnM, AuM, Var, Revenues, RoA
  • Budget and target management
  • Scoring & Notation (vs Corporate Benchmark)
  • New Business (Client Acquisition vs Churn)
  • Products & Investment
  • Risk & Compliance
  • Organisation drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Financial Budget & Scorecard

Enable accurate monitoring of Budgets, Objectives and Scoring at all levels of the organisation.

  • Management of budgets and targets available at all levels of the organisation
  • Monthly budget management
  • Scoring allows you to assign a score from 0 to 5 on any indicator
  • Scoring is calculated dynamically at the organisation level (benchmark)
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Banking Analytics

Ready-to-use applications in self-service mode, reference analytical models and ad-hoc dashboard design tools to facilitate and accelerate adoption.

Ready-to-use template applications

Starting from scratch isn’t easy, but existing applications can help you get to grips with the data and quickly move into an operational context that makes sense. Embedded technology allows you to customise applications and adapt the user experience to your many needs. You’re in complete control and can quickly create your own applications, in complete autonomy.

  • Model applications available
  • Global MIS, Finance, Risk, Compliance, Credit, Pricing Management, etc.
  • Business users can create and modify their own applications
  • Access to the company’s standardised data dictionary: the Data-Catalogue
  • Autonomy for business teams to publish applications (integrated validation process)
  • Independence of business teams
  • Secure access to data (encryption and access rights management)
  • Storytelling, PDF reporting, alerts, manual data exports in XLS format, etc.
  • Based on Qlik embedded technology

Banking Engine

Since 2012, the Integraal Banking Engine has established itself as the benchmark data hub designed specifically to meet the complex and specific needs of the banking sector. Based on Qlik-Talend technology, it offers complete industrialisation of data management processes, guaranteeing unrivalled efficiency and accuracy.

A Modular, High-Performance Architecture

The Integraal Banking Engine is distinguished by its multi-layered architecture:

  • Import zone: for initial data integration.
  • Historical zone: for storing and accessing historical data.
  • Data-hub: for making ready-to-use data available.

Thanks to its generic data model, it ensures a coherent and consistent structure, regardless of the different data sources. What’s more, the engine is compatible with the DBMS of your choice, and can be deployed on-premise, in the cloud, or in hybrid mode, offering total flexibility.

  • A generic data model designed for the bank
  • Clients, Portfolios, Positions, Transactions and Accounting and Analytical Movements
  • Existing connectors to the main banking platforms on the market: Avaloq, OLYMPIC Banking
  • System, Azqore S2i, Allocare AMS, etc.
  • AVALOQ Insight – Data Foundation certified
  • Ad-hoc connectors available: flat files, Excel, API, etc.
  • Based on the customer’s recommended DBMS (Oracle, DB2, SQL Server, PostgreSQL, Snowflake, etc.)
  • On-Premise, Hybrid and/or Private Cloud
  • Qlik Talend embedded ETL

Unrivalled Data Quality

At the heart of the Integraal Banking Engine is the Data Quality Engine, a powerful tool that applies over 700 technical and functional rules to ensure data consistency and relevance. Users can also define their own specific rules, ensuring that checks are carried out at the right time, with results stored in the HUB for effective management via dashboards, alerts and dynamic reports.

  • Outsourcing of technical and functional quality checks
  • More than 700 existing and customisable rules
  • An integrated system for managing and reporting alerts
  • The results of anomalies/alerts are archived
  • Traceability and periodic monitoring of anomalies

Advanced Business Functionalities

The engine also integrates proven business processes to enrich your data with complementary calculations.

  • Integrated additional analytical calculations
  • Transaction-based Net New Money calculation engine
  • Income allocation engine (cost accounting)
  • Cost allocation engine (cost distribution down to portfolio level)
  • Spread calculation
  • Calculation of specific retrocessions (Business Introducers, Funds, etc.)
  • Cost of Fund calculation

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