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Rješenje za riznice i upravljanje portfeljima

Upravljanje portfeljima iznimno je bitan segment poslovanja financijskih institucija, bilo da je riječ o bankama, osiguravajućim društvima, investicijskim i mirovinskim fondovima, brokerskim kućama ili institucionalnim investitorima. Uspješno upravljanje portfeljem stvara temelje povjerenja kod klijenata što posredno utječe na cjelokupan poslovni ugled i snagu pojedine institucije.

Trgovanje proizvodima riznice i investiranje, uz ostalo, zahtijevaju sustavno praćenje i analizu kretanja na tržištu kapitala, procjene rizika, analize profitabilnosti te mogućnost projekcije priljeva i odljeva. Svakako da znanje, stručnost i iskustvo zauzimaju nezamjenjivu ulogu u osiguravanju uspješnosti upravljanja portfeljem. Drugim riječima, neosporno je da je ljudski faktor taj koji čini razliku. No, tek se s pravom tehnologijom mogu stvoriti preduvjeti za korištenje punog potencijala financijskih stručnjaka. 

COMBIS nudi tehnologiju koja podržava složene procedure upravljanja gotovinom, valutne konverzije, depozitne plasmane, ulaganja u sve vrste vrijednosnih papira (dionice, obveznice, …) i derivativnih instrumenata, kao i upravljanja rizicima likvidnosti te tečajnom i kreditnom izloženošću. Riječ je o INSA sustavu – pouzdanom i naprednom rješenju za upravljanje portfeljem, bilo vlastitim ili klijentovim portfeljem. Rješenje prati cjelokupan investicijski ciklus, olakšava rad s klijentima, omogućava pregled poslovanja u svakom trenutku te podržava donošenje odluka i stvaranje strategija investiranja.

Prelaskom na visoko raspoloživi i jednostavno upravljivi INSA sustav znatno se pojednostavljuju pozadinski procesi, kao i upravljanje likvidnošću čime raste operativna efikasnost. Financijskim institucijama se otvara mogućnost povećanja obujma transakcija uz istovremeno smanjenje troškova platno-prometnog poslovanja uz osiguranje kvalitetnije usluge internim i eksternim klijentima.

Visoko razvijena fleksibilna platforma integrira velik broj podataka koji se mogu restrukturirati vezano uz promjene na tržištu i regulatornoj okolini. Sustav sadrži više od 300 izvještaja te ujedno omogućuje i jednostavno kreiranje novih izvještaja prema međunarodnim regulatornim standardima, u više podržanih jezika i valuta, s različitim karakteristikama, ovisno o tome kome su namijenjeni.

INSA sustav je vrlo praktičan za korištenje te je razvijen sukladno visokim sigurnosnim standardima koji podrazumijevaju i audit-log svih aktivnosti odnosno evidenciju svih promjena podataka s tipom promjene/datumom/vremenom/korisnikom, kao i podršku procedurama autorizacije transakcija i kontrole limita od strane nadređene osobe.

Iznimno skalabilan i prilagodljiv, INSA sustav pruža sučelja za integraciju s raznim već postojećim bankarskim sustavima, međubankarskim i investicijskim tržištima, domaćim i međunarodnim platno-prometnim sustavima, ERP sustavima, knjigovodstvenim i poslovnim analitikama.


Kome je namijenjeno rješenje?

INSA sustav idealan je za tvrtke koje se susreću s nekim od sljedećih izazova:

  • visoki operativni troškovi
  • korištenje više slabo povezanih sustava
  • teška prilagodba novim zahtjevima (Basel II, IAS 39)
  • fragmentirani ili ručni procesi obrade
  • nemogućnost praćenja transakcija i otežana kontrola rada
  • nastojanje poštivanja standarda i zahtjeva regulatora (GIPS/AIMR/SPPS)


Prednosti rješenja:


Poslovna komponenta – poslovna dobit:

  • povezanost svih sudionika i transparentnost poslovnog procesa
  • smanjenje operativnih troškova
  • automatizacija obrada uz otklanjanje višestrukog i ručnog unosa
  • omogućeno istraživanje detalja svake transakcije
  • prilagodba standardima i zahtjevima regulatora
  • transfer tehnologije poslovanja i najbolje prakse
  • procjene i predviđanja kretanja na financijskom tržištu
  • podrška pravovremenom donošenju taktičkih i strateških odluka
  • stvaranje pouzdanih strategija investiranja


Tehnološka komponenta – podržani poslovni procesi i područja funkcionalnosti:

  • Front Office: trgovanje, CRM, poslovne financije
  • Middle Office: upravljanje rizicima, kontrole limita, autorizacije plaćanja, analiza uspješnosti, izračun NAV
  • Back Office: administracija PLP naloga, knjiženje/uparivanje transakcija, knjigovodstvo
  • Analiza i izvještavanje (SDA, HNB, FINA)
  • Skladište podataka, poslovna inteligencija
  • Integracija s drugim sustavima: tržišta (Reuters, Bloomberg), matične poslovne analitike, glavna knjiga, PLP sustavi (NKS, HSVP, SWIFT), različiti sustavi za Core banking poslovanje

COMBIS nudi implementaciju cjelovitog rješenja za upravljanje portfeljima.

COMBIS has developed two new modules within Microsoft Dynamics NAV solution; public procurement module and the module for budget users.

Public procurement module

Public procurement module was developed within Microsoft Dynamics NAV and it is intended for the monitoring of specific business processes and transactions with the users of public procurement (who are liable to the Public Procurement Act).

This module enables the direct integration and connectivity as well as of the documentation in the process that occurs within public procurement. The module allows the organization to create a plan for purchase of goods, works and services as well as contracts and records of costs and business partners. The development and revision of plan in specified period of time is supported, the creation of contracts is enabled as well as contract monitoring at the level of items, quantities, contract and plan, provision of the cost estimations for each type of goods, for each supplier and the connection with contracts, articles, planning and implementation. The module allows tracking of business transactions in accordance with the items of the procurement plan, contracts and cost estimates, and thus enables the monitoring of the procurement plan for each individual contract and bill.

Party involved in the public procurement can now plan and systematically monitor each item in Procurement, which promotes business efficiency, and gives the user a clear picture of the current stage of implementation of the plan, the remaining budgeted levels, and thus allows easier planning in future periods.

The plan can be created, printed and displayed at the level of groups and sub-groups and classification of certain types, whether the goods, works or services are the subject, with the possibility of more detailed elaboration. As part of Microsoft Dynamics NAV, Procurement module provides the cost estimations regarding the bidding documents. Cost list includes items that are procured under a certain group or noted number of procurement. Upon completion of the tender and selection of suppliers it is possible to enter the agreed price, the selected vendor contracts, and integration with the very subject matter. For each contract the card of agreement is made, which will include information about the timeframe of the contract, the link with the cost estimate , the supplier's data, as well as other essential elements of the contract.

All business functions of the solutions are fully connected and provide real value of recording for individual items in a specific business plan. This means that for each type of goods, works or services that is invoiced at any time and in any document, it is possible to know about what the plan it is attached, for which contract, what is a record number of purchases, of expense, or of supplier.

Transactional interconnection provides a full insight into any recorded event and business integration with other parts of the solution, as well as with procurement plan and therefore guarantees the quality of business reports.


Module for budget users

The module was developed for budget users in the Microsoft Dynamics NAV, for the monitoring of specific business processes and transactions for budget users and also users who generate their own income by doing various activities within the budget.  All business functions of solutions are fully connected and provide real value of recording for each classification in each business change.

Transactional association provides a full insight into any recorded event and business integration with other parts of the solution, as well as into budget, and ensures the quality of business reports.

This solution enables each budget user to develop a plan at the level of statutory classification, make revisions of the plan, and updated, accurate and rapid monitoring of the plan, or noted real value for the corresponding classifications in the business changes, as well as monitoring the relationship of planned and executed.

For reporting purposes, most budget users have correctly prescribed and predefined forms, depending on the type of report, in certain periods of time they must submit to the authorities. Most of these reports are prepared in predefined Excel tables that users generally complete manually, by copying data from other systems. In order to increase efficiency and accelerate the process of making of such statements, within the Microsoft Dynamics NAV modules for budget users, we have created the functionality to connect Microsoft Dynamics NAV and Microsoft Office Excel so that the appropriate data based on predefined system settings are transferred into the appropriate fields in predefined Microsoft Office Excel table. This accelerates and facilitates the process of making such statements, and enables more accurate and safer planning for future periods. In this way it is possible to make statements on the prescribed forms.

Individual budget users generate their own income from operations in the market and market conditions that are not financed from the budget, and they want to specifically monitor such revenues and allocate them to cover the substantive financial expenditures according to certain distribution formulas, laid down rules, regulations and decisions. This solution enables users at any time to plan their own income, and monitor their implementation and have the insight and control over the spending of such funds for specific purposes.

 
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