Intersoft Lab: Contour

The Financial Data Warehouse "Kontur" is offered to holdings, industrial groups, organizations and banks with a multifilial structure to create a unified information environment and ensure effective business management.

The Financial Data Warehouse (DFS) allows you to consolidate financial information from various corporate systems and provides quick access to all business data of the organization. Kontur FKD will provide senior management, middle managers, analysts and accountants with information to effectively manage and control the activities of a multifilial organization.

The multi-platform Contour Data Warehouse runs on DBMSracle Database Server and Microsoft SQL Server and becomes the basis for high-performance BPM solutions.

What tasks does FCD "Contour" solve?

Providing shareholders and top managers with complete and reliable information about the business

Kontur FHD will become a source of reliable information for managing a large business in which many organizations participate. In the FCD installed in the Management Company, you can combine business information from all accounting systems of subsidiaries and branches and any other databases. Integrated business information will become the basis for solving the tasks of financial management of the organization, will be used to calculate financial indicators and prepare statements for shareholders and top managers.

At any time, management can obtain adequate information about the activities of each subsidiary and ensure control over the implementation of the company's strategic goals.

• Integrate business data from all branches and departments into the Data Warehouse. In a single Data Warehouse, the following are collected and stored:
  • Primary accounting data (personal account data starting with postings). The data are consolidated in the bank's common General Ledger and used to prepare mandatory and internal corporate financial statements of a multifilial bank, and also become the basis for calculating various management registers.
  • Deals and transaction payment schedules. The data are used to prepare management reports, generate transfer transactions (when automating transfer resource management technologies), calculate liquidity and risks, obtain analytical decryptions for adjustments when preparing reports on, IFRS calculate indicators when preparing reports on RAS (for example, daily standards).
  • Data on accounts and indicators of management accounting, data on budget items.
  • Data on clients of the bank served in all its branches. The data is used for multifunctional analysis of the client base, preparation of bank reports for transfer to the National Bureau of Credit Histories.
  • Exchange rates, different standards, market rates and indices, quotes of securities.
  • Any background information, etc.

For data integration, a universal XML-based data collection system developed by Intersoft Lab, integration platforms Informatica PowerCenter, Oracle Data Integrator, IBM WebSphere DataStage are used.

• Business Performance Management (BPM) Automation

Contour provides tools for automating key BPM technologies: planning and budgeting, profitability management, risk management, financial consolidation, reporting for regulators, etc. To support the process of collective budget management (planning, accounting for actual execution), the FCD includes an electronic document management system.

• Automation of Consolidated Statement of Operations

Kontur FKD allows you to automate the activities of employees of the accounting department of branches and the head office for the preparation of mandatory and internal consolidated statements.

• Audit of branches and subsidiaries

The data warehouse integrates primary accounting information from all branches and subsidiaries. Employees of the accounting department of the Head Office or the Management Company will be able to conduct an audit on the spot without leaving the branches. You can see accounting data up to individual postings.

• Providing archived data to assess business development

In the Data Warehouse, you can integrate and accumulate archived data for any period. This information can be used by analysts to assess the dynamics of business development, build forecasts.

• Provide up-to-date tools for business analysis

OLAP analysis tools and a built-in report generator will provide information in a convenient form for each user: manager, analyst, accountant.

• Building a Single Distributed Organization Information Space

In addition to storage, the BPM systems "Kontur" also include several application BPM applications:

• BPM Applications for Financial Coordination
• BPM Contour Applications for Planning and Budgeting
• BPM-application for reporting for the Bank of Russia
• Profitability Management BPM Application

2024: Compatibility with Postgres Pro Enterprise and Standard DBMS (versions 15, 16)

and Postgres Professional Intersoft Lab"," a Russian developer data stores bank of business performance and risk management systems, announce compatibility of their products. The certificate issued by Postgres Professional confirms the correct operation of the Contour platform DBMS Postgres Pro Enterprise with and (Standard versions 15, 16).

banks For, as subjects, CUES technological sovereignty is not a whim, but a condition for survival. Categorization of CII objects by economic significance is a justified approach to prioritization from a security point of view, but not always reflecting business needs. import substitution- ABS the circulatory system credit of the organization, and to software support decision-making - its brain. It manages the entire banking body. Its performance and security are the key to the efficiency and competitiveness of the banking business, "said Intersoft Lab CEO. Valery Chausov

2023: Addition of the Related Transactions by Coverage Share algorithm to Transfer Resource Management

The company Intersoft Lab has expanded the composition algorithms supplied in the Transfer Resource Management application to calculate the timing of funding financial of instruments. This will help financial services banks more finely adjust the funding order and improve the accuracy of the calculation of transfer income and expenses of business units.

The Transfer Resource Management application is designed to automate transfer pricing models, including based on the agreed rate method. The transfer income and expenses calculated with it are used in the "Management Reporting" appendix to obtain a detailed assessment of the financial result. Both applications are part of the domestic software platform "Contour" of the Risk-based Corporate Performance Management class for financial organizations.

To calculate transfer prices in the Transfer Resource Management application, transfer curves are used that reflect the dependence of the cost of resources on their urgency. To determine the timing of funding resources, various calculation methods are provided (duration, weighted average term, etc.). Based on the calculated transfer prices, transfer income and expenses are calculated.

In the updated version of the application, the composition of methods for calculating funding dates was replenished with algorithms:

• "Related Transactions Including Coverage Share,"
• "Transfer Price of Linked Account,"
• "Set Invoice Due Date," etc.

As a result, the total number of methods implemented in the application approached four dozen. The expansion of their composition will allow the financial services of banks to fine-tune the funding procedure and, as a result, more accurately calculate the transfer income of business units.

2022

Reducing the Complexity of Setting Up Predictive GAP Analysis

Intersoft Lab on July 6, 2022 announced the expansion of the application capabilities of Kontur software to predict the liquidity risk and interest rate risk of the bank portfolio based on GAP analysis. Using the updated GAP analysis template, you can significantly reduce the time for calculating gaps and interest rate and liquidity risk ratios for the static and dynamic state of bank portfolios, based on forecasts of their change in different scenarios.

GAP analysis of liquidity risk and interest rate risk of the bank portfolio is the basis for solving many tasks of the Risk Management Department and the Bank's Treasury, as well as for preparing some forms of mandatory reporting. To automate these tasks, the Kontur platform provides a machine for predicting the state of bank portfolios and a template for calculating liquidity gaps, gaps in interest income and expenses, as well as for calculating gap ratios.

The updated template allows you to use various methods for predicting the state of portfolios and algorithms to calculate breaks and coefficients. Thus, for GAP analysis of liquidity risk on the forecast state of bank portfolios, algorithms are provided for calculating the forecast of the volumes of assets and liabilities for each portfolio, for example, for a trading portfolio - an express forecast, and for credit and deposit portfolios - a detailed forecast based on the matrix of resource migration, etc. Users can select the desired portfolios, set forecasting methods for them, and start calculating the forecast state of portfolios. Based on the data obtained, the corresponding GAP reports will be built for both liquidity risk and interest rate risk of the bank portfolio.

Using the updated template for GAP analysis allows you to:

• reduce the complexity of setting up predictive GAP analysis,
• accelerate the preparation of GAP reports for various scenarios of changes in bank portfolios,
• Ensure transparency of GAP analysis of liquidity risk and interest rate risk by using uniform forecasts of the state of portfolios.

As a result, GAP analysis execution time is reduced, it becomes possible to perform it for both static and dynamic states of bank portfolios, built on the basis of forecasts of their change.

Enhance application capabilities for banking resource forecasting

Intersoft Lab, a Russian developer of risk-oriented management systems for the bank, announced on June 8, 2022, the expansion of the application capabilities of Kontur software for predicting banking resources - a key business planning task. Intersoft Lab - has expanded financial planning capabilities on the Kontur platform. The development received applied functionality to calculate the forecast state of banking resources. Templates for calculating the future state of the main banking portfolios allow you to speed up the receipt of forecasts of the state of "old" and modeling of "new" portfolios, ensure the required detail and variability of business plans of divisions, increase their validity and realism.

The forecast of the status of the current and future portfolios of the bank's contracts is the basis for the preparation of business plans of the divisions. To automate the calculation of forecasts, a forecasting machine is supplied as part of the Contour platform. To speed up its configuration many times over, Intersoft Lab offers templates in addition to the forecasting machine to calculate the future state of major banking portfolios. Each template defines the composition of the attributes of a particular portfolio for forecasting and ready-made algorithms for calculating them. For example, to predict loan delinquencies in a template for a loan portfolio, you can choose an algorithm for calculating the forecast using a transition matrix or based on machine learning, to predict early repayments - statistical methods, etc. Users just need to select the desired indicators, assign them their preferred calculation methods and run calculations. The expansion of the structure of templates is aimed at improving the efficiency of forecasting the state of bank portfolios - a key business planning task. Using templates to quickly set up rules for calculating the future state of resources and a forecasting machine allows:

• minimize the complexity of setting up future cash flow forecasting parameters,
• shorten the time for forecasting the state of "old" and modeling "new" portfolios,
• ensure the required variability of business plans using various algorithms and forecasting scenarios, including stress scenarios,
• achieve the necessary detail and analytic plans.

As a result, the validity and realism of the plans increases - the bank receives an updated quality of planning.

The updated solution will be useful for retail departments involved in preparing business plans, as well as the financial service responsible for conducting the budget campaign and preparing the financial plan.

2021

Add Risk Prediction

On September 23, 2021, Intersoft Lab announced that it had expanded the functionality of the Prediction and Modeling application. The module "Forecasting risk factors" as part of the application allows you to predict the behavioral characteristics of clients and counterparties of the bank based on machine learning methods. The use of ML methods ensures consistently high quality of forecasts, helps to increase their accuracy and validity compared to statistical methods and expert assessments.

The application "Forecasting and Modeling" as part of the RCPM platform "Contour" is designed for automated support of a set of tasks financial and risk management. The key mechanism of the application is a universal forecasting machine that provides calculation of the forecast state of portfolios bank taking into account the impact of risks for different scenarios of market and customer behavior.

Scenario preparation is the most important stage of forecasting technology. Each scenario is a combination of risk factor values that characterize the future state of the economic environment in which the bank operates and changes in the behavior of clients and counterparties of the bank with a given macroeconomic forecast.

To predict the behavioral characteristics of customers and counterparties based on macroeconomic indicators, Intersoft Lab offers a module "Forecasting risk factors." For forecasting, the module uses machine learning algorithms. Their use makes it possible to increase the accuracy and validity of forecasts in comparison with statistical forecasting methods and expert assessments. Due to regular validation of forecasts and further training of forecast models, a consistently high quality of forecasting is ensured.

By automating the prediction of behavioral characteristics, limitations on the complexity of scenarios used to build the future state of bank portfolios are removed. Scenarios filled with the Risk Prediction application can operate with dozens and hundreds of risk factor values, more adequately modeling the state of the market and customer behavior.

{{quote 'author = said Valery Chausov, CEO of Intersoft Lab. |

The significance of the prediction function has increased many times over the past couple of years. Additional functionality is designed to expand prediction bottlenecks in terms of predicting customer behavioral characteristics. By modeling different scenarios of economic development and response behavior of customers and financial market participants, it is possible to assess their potential impact on the bank's business in advance and take proactive actions rather than passively respond to what happened,}}

"Forecasting and Modeling": Tools for Financial and Risk Management

Intersoft Lab on June 23, 2021 announced an applied modernization of the Forecasting and Modeling application. In the updated version of the application, universal forecasting tools have been developed to support a set of risk and profitability management tasks based on forecasting and scenario modeling of bank portfolios.

The Forecasting and Modeling application is a key component of the Contour RCPM platform, designed to digitally support risk-oriented financial management technologies. The application was included in the RCPM platform "Kontur" 4.0 in 2019 to predict the state of resources in planning and rolling forecasting of financial indicators of the bank's activities. The core of the application was the forecasting machine - a universal calculation mechanism designed to configure forecasting models and scenarios and calculate the forecast state of the bank's portfolios, taking into account the impact of risks for different scenarios of market and customer behavior.

Two years later, the Forecasting and Modeling application was developed and replenished with decision support tools in the field of financial and risk management, which require data on the forecast state of portfolios.

In addition to the upgraded forecasting machine, the updated application includes a package of templates for solving a set of risk and profitability management tasks based on forecasting and scenario modeling of bank portfolios. Scenario modeling tools as part of the forecasting machine supplemented the mechanisms for accounting for the impact of potential transactions on the forecast of the state of the bank's resources.

Templates have become the basis for using the forecasting machine in utilitarian tasks of risk-oriented management, for example, in predicting capital adequacy and liquidity ratios, building a dynamic balance sheet, stress testing, etc. With them, you can quickly configure the application for application use. To do this, templates contain sets of ready-made key figures, algorithms for calculating them based on forecast data, and interfaces for presenting results. Multiple related applications can be described on the basis of a single template. For example, based on the GEP template, you can describe tasks such as building a liquidity GEP, analyzing an interest rate GEP, calculating liquidity risk for stress testing of capital, etc. All settings can be made by business users without the involvement of IT specialists.

The updated Prediction and Simulation application will be useful:

• risk departments to support the management of interest rate, market, credit and other risks, as well as for stress testing of various types of risks,
• Treasury for transfer rate modeling, GAP analysis and liquidity stress testing,
• to the Finance Department to prepare financial plans and to forecast their implementation in a rolling manner,
• the reporting department in the preparation of reporting forms for types of risks significant for the bank, etc.

"The modernization of the Forecasting and Modeling application is initiated by the growing need of banks for a subject-oriented, practical focus on automation of the forecast function. The added functionality allows users to quickly configure application solutions based on application templates for analytical support of various financial and risk management tasks on their own, "said Valery Chausov, CEO of Intersoft Lab.

2019

Profitability Management Package. Fast start. "

On June 18, 2019, Intersoft Lab introduced the "Profitability Management. Fast start. " This solution will allow banks to automate the preparation of management reports on the RCPM-platform "Kontur" version 4.0 in a short time and with minimal costs.

digital economy The preferences of bank clients change on average every three to six months, credit and the speed and flexibility of management decisions becomes the most important condition for the competitiveness of the organization. The basis for this is the bank's reliable internal reporting. The most effective platform for consolidation and quality assurance data for the preparation of management reporting and other performance management tasks is corporate (CD data warehouse). As a rule, the construction of CD is an investment-intensive and long-term project.

Profitability Management Package. Fast start "based on the RCPM platform" Contour "version 4.0 from Intersoft Lab allows you to quickly and economically, without large-scale deployment of CD, automate the preparation of management reports. The company's proposal is aimed at banks for which a large automation project is economically unacceptable or impractical, taking into account the task and the volume of their business. The package will also be useful for credit institutions, the purpose of which is to test the solution as part of a pilot project.

The issued solution is based on the basic model of management reporting and uses the minimum sufficient set of primary data: only significant attributes of accounts, credit and deposit agreements and data on clients of a credit institution. This minimizes labor and time to build a data warehouse, while laying a full foundation for scaling it in the future. To obtain an estimate of the bank's financial performance and profitability, the model relies on an optimized set of analysts and algorithms to post indirect expenses and calculate transfer revenues and expenses. This allows you to selectively use the functionality of the components of the Contour platform, which allows you to reduce license payments. In addition, it provides for training and active participation of bank employees in the implementation, including in terms of data collection and reconciliation, component setup and pilot operation. As a result, optimization of the project budget and duration is achieved. The IT solution can be put into operation in less than 6 months.

The essence of Intersoft Lab's proposal is to automate the process of preparing management reporting quickly and with minimal investment, limiting the scale of the initial filling of the data warehouse. The proposal will be of interest to both SME credit institutions with small nomenclature and data volumes, and large pragmatic customers who are willing to take a "quick start" to assess the practical benefits of the solution and then develop it, following from a basic reporting model to a bank-specific one. 'said Julia Amiridi, Deputy CEO of Intersoft Lab '

Release of RCPM platform "Kontur" 4.0

On February 28, 2019, Intersoft announced the release of the next version of the Contour platform - 4.0. RCPM-platform "Contour" 4.0 implements the concept of business performance management based on a risk strategy - Risk-based Corporate Performance Management.

Kontur Corporate Performance Management Automation Platform enables banks to build industry-wide data stores integrated IT systems for planning and budgeting, performance and profitability monitoring, asset and liability management, and regulatory reporting. Over 250 projects in and CIS have been implemented banks Russia on the basis of the platform. 40% of customers have been using the Kontur platform for more than 10 years.

The updated version - RCPM-platform "Contour" 4.0 - is designed to meet the need of credit institutions to strengthen competitive positions and increase profitability in the context of a general drop in profitability and interest margin, a deterioration in return on capital and an increase in regulatory burden. In the RCPM platform "Contour" 4.0, the capabilities of integrating performance management tools and risk management based on predictive analytics have been added, risk mechanisms have been expanded and asset and liability management tools have been modernized, and self-service services in analytics and mobile analytics have appeared. In addition, the Kontur data warehouse has become a platform for implementing current RegTech requests: assessing financial instruments and calculating reserves according to IFRS 9, calculating the interest rate risk of the bank book, exchanging data with BKI, etc.

Most of the functionality for February 2019 has already been tested. In particular, Bank CenterCredit JSC (Kazakhstan) has automated financial planning processes using forecast analytics. The system is in industrial operation.

author '= Valery Chausov, CEO of Intersoft Lab ' The release of the next version of the Kontur platform is the result of many years of work of the company and the generalization of the experience of dozens of completed projects. The functionality designed to support the RCPM concept is a one-size-fits-all foundation for implementing advanced pro-active business management models based on predictive analytics. Automating the planning and forecasting of the bank's financial results, taking into account various scenarios of its clients' behavior and the development of the market situation, will help credit institutions follow effective risk strategies to maximize benefits and competitive advantages.

2018

Update Transfer Resource Management Application

Intersoft Lab in February 2018 updated the Transfer Resource Management application and expanded the ability to set up internal pricing models to manage the profitability and liquidity of a credit institution.

The Transfer Resource Management application as part of the Kontur platform provides automation of bank-relevant transfer pricing models with an agreed rate and offers functionality to support Treasury activities.

The updated application will allow calculating floating transfer prices, composite transfer prices and compensation - premiums to the Treasury for interest rate risks and ensuring the bank's liquidity. The calculation is carried out based on the functionality for calculating floating rates and options for transfer rates: allowances and compensations. With the updated application, the bank is able to fine-tune the procedure for funding and calculating the profitability of business units and the treasury in conditions when it takes responsibility for interest and liquidity risks.

Many Russian banks are interested in using mature transfer pricing models with an agreed rate, but the transition to them is difficult due to the lack of adequate automation. Our company already has successful experience in implementing the updated application and is ready to offer it to credit institutions to effectively solve the problems of managing profitability and liquidity, "said Julia Amiridi, Deputy General Director of Intersoft Lab.

2016

"Bank of Russia Reporting" modified in "Kontur"

On September 21, 2016, Intersoft Lab announced the release of the upgraded application "Reporting for the Bank of Russia" as part of the Kontur CPM platform 3.x.

The application supports the requirements of the regulator, guarantees the quality of data for reporting, provides the ability to independently and promptly reconfigure reports when changing the instructions of the Bank of Russia.

In more detail...

The modernization of the application is aimed at improving the effectiveness of the bank's key tasks in preparing reports for the regulator, including ensuring the quality of data, reconciliation and interform control, and adapting reporting to new Bank of Russia guidelines.

The application operates on the basis of a data warehouse, which collects and stores accounting data and information on all bank transactions, monitors and improves the quality of this data. Such a set of data in the repository allows the bank to prepare all the necessary reports regulated by the Bank of Russia, including reports for assessing and analyzing capital adequacy and risks in accordance with the requirements of Basel agreements and the domestic regulator.

Creating separate thematic data marts for homogeneous report groups, such as data marts for loan portfolio report forms, minimizes the risks of key figure discrepancies and simplifies cross-form controls. Users will be able to build a thematic showcase not only on the basis of storage, but also include data or already calculated indicators from other sources, which expands the ability to obtain information for reporting.

To eliminate the impact of the human factor on the quality of reporting, the application monitors the actions of each participant in its preparation process, document management functions are used to agree and approve reporting.

The application easily adapts to changes in the requirements of the regulator, users can reconfigure the calculation of reporting on their own.

We have updated the Reporting for the Bank of Russia application as part of the Kontur CPM platform to make the process of preparing regulatory reports even more prompt, flexible and comfortable to ensure its high quality. A number of functions are transferred to independent user control. Bank specialists will be able to supplement the composition of data in storefronts from the repository or any other external sources, easily reconfigure the calculation of indicators and reporting forms when new instructions of the Bank of Russia are changed or issued. Banks will be able to assess the convenience of this tool in the face of frequent changes in the requirements of the regulator. Valery Chausov, Managing Partner of Intersoft Lab

Intersoft Lab estimates return on investment in business intelligence systems

On May 19, 2016, Intersoft Lab announced the presentation of the results of the economic effectiveness assessment of typical Corporate/Business Performance Management projects on the Kontur platform.

Cutting IT budgets has become a reality for almost all Russian banks and averages 20%, the development budget is especially seriously sequestered, and it is often halved. Banks are tightening the requirements for return on investment and are more balanced in their pre-investment assessment of IT initiatives. To make a decision on the start of the project and the correct prioritization of automation, it is necessary to have estimates of the economic effectiveness of the solution. For Business Analytics class solutions that include CPM systems, there are generally no such estimates.

Intersoft Lab strives to develop long-term partnerships with customers from the financial industry and evaluates the cost-effectiveness of profitability management and budgeting automation projects in banks. This assessment can be carried out free of charge before the start of the project or used to justify the effectiveness of the hotel stages during the implementation of the integrated solution. The methodology used assesses both the guaranteed and potential financial benefits of the project. This allows the bank to make a balanced decision on entering the project, predict the results achieved at each stage, as well as understand what factors influence the effectiveness of return on investment in business analytics and how to increase their return.

Summarizing the financial indicators of the business analytics projects implemented by the company in banks, Intersoft Lab presented averaged estimates of the effectiveness of the two most popular types of solutions today: the financial institution profitability management project and the budgeting automation project. A typical solution for profitability management involves the construction of a system for calculating the bank's financial result in various analytical sections, taking into account the transfer cost of resources and allocation of overhead costs. As a result of the implementation of such a solution, the average savings per 1 cycle of preparation of management reports by the method of transformation of accounting data is RUB 1 million for a universal credit institution that does not have branches. The time for calculating reporting indicators is reduced by more than a third, the cost of coordinating management adjustments and correcting errors is reduced by 25%. The ROI index depending on the operating mode of the solution (for example, when switching from the quarterly/monthly mode of preparing reports to the daily one or when expanding the list of reporting forms) can vary from 130% to 600%. The discounted payback period for a comprehensive profitability management project averages 2.5 years.

The automation of budgeting optimizes and accelerates all processes related to the coordination and execution of business payments, including the processes of maintaining business contracts, initiating payments under contracts, processes of collective coordination and operational control of payments and accounting for their actual implementation. According to the estimates made after the project implementation, the productivity growth of employees working with contracts is 200-300%, the productivity of accounting employees increases by 3-4 times, the cost of processing one payment document on the accounting side is reduced by 5 times. When scaling the system and increasing the number of jobs by 1.5 times (for example, from 40 to 60 in typical projects), the discounted payback period is more than halved from 12 months to 5, and the ROI increases from 200% to 500%.

Most business intelligence vendors illustrate the feasibility of implementing their solutions through case studies or limit themselves to quality assessments. For CPM/BPM class systems, this is a typical practice, but it is not suitable for an investor today. Intersoft Lab is ready to speak with banks in a transparent language of numbers, help them make an informed decision on the feasibility of the project, weigh all pros and cons as objectively as possible, and correctly build the project so that the invested investments work as efficiently as possible. Today, Intersoft Lab does this in each project, using its own methodology for assessing the benefits of business intelligence systems. We are well aware that both parties are interested in correct estimates of the effectiveness of investments in automation: banks and IT companies. If there are long-term partnerships, each project participant should share responsibility for the real results of using IT solutions for business intelligence. Valery Chausov, Managing Partner of Intersoft Lab

2015

How banks consider transfer income and expenses on accounts and transactions, calculate profitability and efficiency indicators

In 2015, the profit of the Russian financial sector may be minimal over the past few years. According to the Central Bank of the Russian Federation for the first half of the year, it decreased by 9 times compared to the same period last year. By the end of summer 2015, 52 banks were unable to maintain liquidity and lost their licenses. In this situation, for many credit institutions, it becomes necessary to improve approaches to assessing profitability: increasing the efficiency, accuracy and detail of calculating indicators in business areas, banking products and customers. Effective support for these tasks can provide Funds Transfer Pricing (FTP) based on a negotiated rate model or alternative yield curve. The model will help the bank control the risk of unbalanced liquidity and calculate financial results for products, customers and financial responsibility centers (CFOs), taking into account the internal cost of resources. The calculation of transfer prices, income and expenses for all transactions and operations of the bank can only be implemented using specialized software (spreadsheets do not cope with such amounts of data).

So far, the potential of the model has not been fully mastered by Russian banks. This is confirmed by the low indicators of the introduction of systems for automating FTP methods, over the past 10 years, no more than 30 banks have announced such projects. However, with the beginning of the crisis, Intersoft Lab notes an increase in interest in FTP systems, in the first half of 2015 the company implemented 4 projects at once - in three Russian and one Kazakh banks. The projects were carried out on the basis of the company's own development - the Transfer Resource Management application, which is part of the BPM platform "Kontur" (BPM - Business Performance Management, business performance management). As a result of the application implementation, banks were able to calculate transfer income and expenses on accounts and transactions, calculate profitability and efficiency indicators, including net interest margin, for each bank product, client, business unit. The high speed of settlements allows you to analyze profitability on a daily basis and quickly regulate the bank's activities.

2013

How Intersoft Lab marketers changed the classification

The updated BPM platform "Kontur" implements a new classification and functionality of BPM applications. Marketers of Intersoft Lab examined the classification of banking BPM products of Gartner, IDC, Forrester Research, made an amendment to the specifics and current practice of Russian banks and proposed a new configuration of circulation BPM applications

All applications are combined into 6 groups in the following areas: financial consolidation, planning and budgeting, financial and management reporting, profitability management, risk management, reporting for regulators. Each of these groups contains several applications. Among them are those that existed both before and new. A number of applications have received "additional" functionality. For example, Financial Planning, which is part of the Planning and Budgeting unit, now covers not only business planning, but also business planning, and allows you to check business plans for liquidity ratios, capital adequacy and credit risk concentration.

In a separate application, "Allocations" included in the "Profitability Management" unit are highlighted. This block also includes the applications "Transfer Resource Management" and "Functional and Cost Analysis." Moreover, the latter has been significantly revised - it now automates the calculation and modeling of the cost of business processes to optimize the profitability of various "value objects": customers, products, sales channels, etc.

Applications supporting financial and management reporting are combined into one block. They will provide IT support to banks for maintaining management accounting and issuing management reporting in various sections, as well as the formation of IFRS reporting and management accounting under IFRS.

Innovations are marked not only by applications, but also by the Contour data store itself. " With it, specialized replication integration modules are now supplied, each of which is responsible for uploading and downloading a certain set of data (for example, NSI a loan portfolio) from a specific accounting system (for example, ABS "Diasoft 5NT," etc.) New Athena using the selected integration tool (, Oracle Data Integration PC Informatica , etc.). This approach allows you to reduce the time and minimize the burden on employees of the bank's IT services when integrating data storage with accounting systems. This will predetermined significant savings in projects that require the collection of numerous transaction portfolios, primarily for the preparation of regulatory reports. There are other innovations. To quickly generate reports, a new reporting tool has been implemented - Intersoft Lab's own development. It works directly with the metadata of Kontur CD and allows specialists from the financial departments of banks to independently, without the help of employees of banking IT services, build rigid reports, - OLAP tubes, upload data to. MS Excel

The functionality of the Kontur BPM platform is based on Intersoft Lab's consolidated long-term experience in building BPM systems based on data warehouses in various credit institutions in Russia and the CIS. The company's close cooperation with customers also provided invaluable assistance - joint discussions of projects, well-coordinated work in the course of project practice, valuable comments and suggestions from bank representatives helped to implement the update of the BPM platform, which is already a little before the start.

Upgrade Transfer Resource Management Application

Intersoft Lab has modernized the Transfer Resource Management application, designed to calculate transfer costs and income used as management adjustments that increase the accuracy of determining the financial results-characteristics of the bank's activities, the company's press service said on June 24, 2013.

Due to the automation of technology on the Kontur BPM platform, which implements the calculation of the transfer cost of resources, the credit institution is able to form economically sound judgments about the profitability of individual products and customers, the efficiency of the work of structural divisions, and therefore make balanced management decisions aimed at increasing the profitability of the bank's business.

"The modernization of the Transfer Resource Management application is the first among the planned updates of the Kontur BPM platform," said Julia Amiridi, Deputy General Director of Intersoft Lab for Business Development. - It has proven itself well in banks, and today we present to the market a number of circulation improvements that have resulted from our many years of fruitful work with customers. The application will be useful to those banks that set themselves the goal of determining adjustments to the management income statement based on calculated transfer income and resource use costs, both when accounting for the actual result and when planning it. "

A distinctive feature of this modernization is the flexible adjustment of transfer price calculation rules, which provides the required degree of detail and generalization for management decisions. To do this, the application provides the ability to set unique calculation algorithms not only for each type of bank requirements or obligations, but also for a group of homogeneous financial instruments. The latter can be formed from financial instruments selected according to certain analytical characteristics (types of contracts, analytics of management accounting, etc.).

Standard methods for calculating the funding period are preinstalled in the appendix, and all work on setting up the bank's transfer settlement model can be carried out by users independently, using standard interfaces, without involving IT service employees.

2010

Counterparty Register

In November 2010, Intersoft Lab announced the implementation of additional functionality in the Register of Counterparties application as part of the Kontur 3.x BPM platform. The application automates the procedures for collecting, monitoring and the necessary replenishment of data on bank clients, which contributes to the creation of a high-quality information base for the formation of various types of banking reports - regulatory, management, analytical.

According to a survey of Data Integration Forum 2010 participants, more than 80% of bankers only partially trust the data contained in accounting operating systems and used to form regulatory and management reports. The preparation of mandatory reporting is especially complicated by the insufficiency and inaccuracy of information about counterparties: introduced into different front-office systems, they are repeated, partially do not coincide, etc. Bank employees are forced to apply visual control and manually correct the data. As a result, due to the fault of the "human factor," new errors appear in the reports, the time for their preparation and labor costs increase.

Intersoft Lab has upgraded the Counterparty Register application as part of the Kontur 3.x BPM platform, which is designed to collect customer information from the bank's accounting systems in a single repository, reconcile it and automatically prepare data for issuing various reporting forms.

The functionality of the application solves the problem of the lack of data on related customers in accounting systems, which forced credit institution employees to form a number of reports for the Bank of Russia manually. With the help of the "Register of Counterparties," it became possible to replenish the information on insiders and affiliates with the necessary data and automate the release of such forms as 0409051 and 0409052 "List of Affiliates," 0409157 "Information on large lenders (depositors) of a credit institution," 0409117 "Data on large loans," 0409118 "Data on the concentration of credit risk."

Amiridi Yulia, Deputy General Director of Intersoft Lab for Business Development, said that the updated application "Register of Counterparties" is planned to be used in reporting automation projects for the Bank of Russia, tax reporting and management reporting based on the Kontur BPM platform. Due to the new functionality, banks receive a guarantee of the quality of data on insiders, as well as on affiliates with the bank and other related persons. Built-in verification of key attributes minimizes the risk of influence of the "human factor." This ensures the degree of completeness and reliability that is necessary to solve the problems of preparing various reports. "Today, the application is already used in practice - as part of the project to automate mandatory standards, it has been implemented at TransCreditBank OJSC," she said.

Integration with Microsoft products

In 2004, the Contour storage database was ported to the 64-bit Microsoft SQL Server™ 2000 Enterprise Edition (64 bit) platform. Since 2006, the Contour data warehouse platform has been included in the portfolio of partner solutions that Microsoft recommends to customers of the financial vertical. Currently, applications of the BPM platform "Contour" on DBMSicrosoft SQL Server are actively working in the credit and financial sphere, ensuring transparency, efficiency, consistency, accuracy and efficiency of management processes.