RS-Loans

RS-Loans is the software package for automation of bank lending covering all variety of tasks which employees of credit divisions should face. In a system the following banking credit products are initially configured:

• crediting of legal entities;
• consumer lending;
• car loans;
• mortgage lending;
• cessions
• credit and oferdraftny cards (on the basis of interaction with the software package RS-Retail);
• credit lines to legal entities and physical persons;
• overdraft crediting on checking accounts of legal entities;
• bank guarantees.

Main lines

RS-Loans automates document handling, accompanying all lifecycle of the loan agreement — from execution of the credit request before release of the reporting.

Functionality of a system of version 5.5 is setup of an individual route of the movement for each credit request. It is possible to specify in it participants of credit committee and the necessary information about the borrower. Also in a system import of requests from files of a different format, release of printed forms of the credit request is implemented.

The functionality on registration and accounting of the loan agreement allows purpose of individual terms for crediting (interest rates, an algorithm of calculation of percent and so forth), automatic formation of all necessary accounts, release of printed forms of agreements and orders on accomplishment of different transactions, calculation of a quality category of a loan and percent of a reserve, calculation and printout of diagrams of issue and repayment, registration of issuance of credit by different methods, repayment of loans by different methods, service of any commissions and penalties, carrying out of a loan for delay, prolongation of the agreement, the conclusion of supplementary agreements and compensation of overpayments. In the new version the limitation mechanism which provides the reference book of limits considering requirements of the Bank of Russia and internal requirements of bank is implemented. For convenience groups by which limits are determined can be created.

At registration and accounting of agreements of providing guarantee agreements in different currencies and different types of pledge agreements automatically form. A system allows to enter the description of subjects to providing and to keep account of providing on extra balance, to consider providing quality categories — including when calculating a reserve.

RS-Loans provides to specialists of bank the wide information necessary for decision making concerning crediting, including information on the loan portfolio and aggregated data on separate types of loan. In reports information on types of loan and also detailed data on the borrower, a status of the loan agreement, a credit amount is provided in rubles and currency, a debt remaining balance, interest rates, the amount within guarantee agreements and providing by types, the overdue amounts on a principal debt and percent, risk groups and the amount of a reserve on them and also some other data, necessary for the analysis. The software package allows to perform data exchange with the National Bureau of Credit Histories and the Central directory of credit stories and to implement exchange with any other bureau.

In distributive delivery of RS-Loans ready typical circuits of postings which can be configured according to technology of the work which is taken over in bank are provided.

RS-Loans creates all reports necessary for credit institution, and their list constantly grows and is updated. In case of need specialists of R-Style Softlab can develop and the additional report forms considering specifics of specific credit institutions. The open database and the built-in Object RSL programming language allow bank employees to develop independently not only new reports of any degree of complexity, but also almost beyond all bounds to expand functionality of a system.

The business processes which are the cornerstone of RS-Loans conform to requirements of Provisions of the Bank of Russia and regulatory legal acts of the Russian Federation. Changes in the normative legislation are monitored by developer company and entered into the system.

Ample opportunities of the RS-Loans complex on setup and also the rich functionality put in it by developers taking into account long-term perspectives will allow bank quickly and without serious consequences to master new schemes of crediting according to business needs and the market of credit services.

2020: Adding in RS-Loans V.6 and RS-Loans v. 5.5 functionality of providing mortgage and credit vacation

R-Style Softlab announced on July 14, 2020 implementation of the functionality allowing banks to provide to borrowers mortgage and credit vacation and also payment vacation on own conditions. Updates are executed in systems for automation of crediting of RS-Loans V.6 and RS-Loans v. 5.5 according to the Federal law of 4/3/2020 No. 106-FZ.

Thanks to completions of RS-Loans V.6 the staff of credit departments of banks can create the application for a grace period and set mortgage or credit vacation and also other payment vacation regulated by programs of bank according to the loan agreement.

As a result of automation of accounting of payment vacation according to loan and mortgage agreements and also credit cards in the RS-Loans v system. 5.5 there were transactions of a statement, the termination and a deviation of a grace period, types of debts, types of registers and interest rates.

Within the crisis response measures connected with a pandemic of a coronavirus, R-Style Softlab implemented in the RS-Loans V.6 and RS-Loans v systems. 5.5 the functionality for support of borrowers of banks which is completely conforming to requirements of the legislation and different conditions of bank programs for restructuring of the credits — Rinat Karimov, the deputy CEO of R-Style Softlab, the director of the department of banking software of RS-Bank reported. — Thanks to updates of RS-Loans V.6 and RS-Loans v. 5.5 clients of banks will be able to use a delay on the credits and to receive more comfortable repayment schedule, and financial institutions will reduce risks of non-payments of the credits during crisis.

2017: Support of formats of BKI "Equifax Credit Services"

The R-Style Softlab company simplified interaction of SMB banks with BKI "Equifax Credit Services" with release of updates of the RS-Loans v system. 5.5, the borrowers allowing to provide the information on credit history according to formats and requirements of department. In R-Style Softlab said it on August 29, 2017.

Now the banks using a system have an opportunity in more convenient form to collect data for two bureaus of credit histories — NBKI and Equifax. The bureau of credit histories "Equifax Credit Services" has the database from more than 241.7 million credit stories on individuals and the organizations which is filled up by 2 thousand organizations on a contract basis.

Credit institutions are obliged to send to BKI information which contains data on the request of the citizen for the credit, approval or failure in its issue — Lev Frenkel, the director of the department of banking software of RS-Bank of R-Style Softlab company noted. — Automation of unloading of information and adaptation under formats of the organizations simplifies to banks a compliance with regulatory requirements.

RS-Loans v. 5.5 is one of modules of the automated banking system (ABS) RS-Bank v. 5.5. A system is delivered as as a part of the core banking system, and separately from it.

2016

R-Style Softlab accelerated the procedure of a design of the credits in the solution RS-Loans V.6

R-Style Softlab updated the solution for automation of the credit direction of banking activity of RS-Loans V.6 entering a line of the core banking system RS-Bank V.6. The IT company included the web module "Work with Credit Requests" which will significantly facilitate process of an execution of loan agreements in the application.

In the web interface of the new module employees of the bank — users of the solution will be able quickly and with the smallest labor costs to issue the loan agreement. All procedures, necessary for execution of the request — photography of the client, scanning of documents, viewing history of products, adding of information on loan security — are implemented in a format of a single window. After formation of the request the user sends it for consideration in scoring systems, in a few minutes receives the answer, and, in case of approval, starts execution of the transaction. Such approach allows to provide the high speed of work of specialists of credit institutions and to minimize holding time of clients.

Also the module allows to service both physical, and legal entities in one workplace. For both categories of clients there is a possibility of editing the list of values in reference books in which requests form. Besides, direct jump from work with credit requests to operations on other credits and deposits is provided.

In a subsystem the extralight BPMN engine of business processes allowing to present a route of passing of credit requests in the form of evident BPMN charts and to store them in a XPDL format is used. The engine works on industrial application servers of the Java EE and RS Application Server platforms and supports different graphic user interfaces.

The automated unloading of bank guarantees in customs authorities

R-Style Softlab updated the IT application for the credit direction of banking activity RS-Loans v. 5.5, CORE BANKING SYSTEM RS-Bank v entering a line. 5.5, having added in it a feature for the automated formation and transfer to customs authorities of data on the issued bank guarantees.

According to requirements of Provision of the Bank of Russia of May 27, 2016 No. 545-P credit institutions are obliged to send to customs authorities information in electronic form on the issued bank guarantees as ensuring payment of the customs duties and taxes. New functionality in RS-Loans v. 5.5 helps financial institutions to organize process of transfer of these data in relevant organs.

R-Style Softlab provided in the updated application a possibility of both packet forwarding of information, and creation of the separate file according to the specific bank guarantee, including along with the procedure of issue. All sessions of formation of electronic messages are registered in the corresponding magazine in which it is possible to browse the protocol of accomplishment of the procedure and the created files in the XML format.

RS-Loans synchronizes a credit story with NBKI online

R-Style Softlab provided to SMB banks access to credit stories online

R-Style Softlab updated in the fall of 2016 the application for automation of the credit direction of banking activity of RS-Loans v. 5.5, entering CORE BANKING SYSTEM RS-Bank v. 5.5, having added in a system a feature for information exchange with National Bureau of Credit Histories (NBKI) online.

As a result of changes banks will be able to create a request of credit history directly of the core banking system, but not of the third-party software product, selecting customer information from the database of a system.

Also the company implemented data output, sent in the response file of NBKI, in Excel document type. This format is more convenient for viewing and printing, than the XML file in which it provides information of Bureau. If necessary the user — the employee of the bank — can save the sent data in other option, for example PDF.

The possibility of formation of a request is online provided also for those subjects — physical persons and legal entities which are not clients of bank.

2007

In RS-Loans V.6 a set of services in crediting using bank cards of all types is implemented.