Presentation made during the "9th Annual CEE Credit Risk Management Forum" held in Vienna the 19th and 20th of March 2013

1. Increase efficiency in corporate lending:
the success story of Unicredit Slovenia
9th Annual CEE Credit Risk Management Forum
Vienna– March 19th, 2013

2. Highlights
Exprivia SpA is an Italian IT company focused on design and
development of innovative software technologies and providing
specialized IT services for the following markets:
 banking and finance; Founded in 1983
 manufacturing & distribution;
Listed at Milan Stock
 defense & aerospace;
Exchange since
 energy, telco and utilities; August 2000
 health and public administration.
2

3. Highlights
2012 Results
€132 M VoP 7.2 M EBT 1600 Employees
SPAIN: 4 branches
(Prosap e Exprivia Sl) ITALY : 9 Branches
2 branches in Madrid, Molfetta (BA) -
Barcellona, Las Palmas Headquarter
(Canarie) Bari, Milano, Roma,
Piacenza, Trento,
CENTRAL AMERICA: Vicenza, Genova,
2 branches (Prosap) Padova
Mexico City
Guatemala City
SOUTH AMERICA:
2 branches
(Prosap –Exprivia Do
Brasil)
Lima (Perù) –
San Paolo (Brasil)
€22 M VoP in Banking&Finance Area
3

4. Banking & Finance Offering
Solutions supporting the credit approval process (ordinary
credit, leasing and factoring)
Credit Solutions for contract and disbursement management;
Solutions for credit monitoring;
Solutions supporting the collection process;
Competence Center on Murex platform
Finance Projects and services for the optimization of trading rooms and
virtualization of servers and workstations
Mobile payment solutions based on the ‘Electronic Wallet’
concept
Multichannel
Rebuilding or maintenance of corporate Portal (Web 2.0)
Solutions to support interactive marketing and social CRM
Analysis in real time of huge amount of data, structured
Big Data and unstructured, internal (database, DMS, ..) or external
Intelligence & (Web, social network, ..)
Analytics Reporting and Dashboard implementation with the main
Business Intelligence Tools on the market.
4

5. The Scenario
The corporate lending process complexity is due to the huge
amount of data that have to be collected for both the
evaluation (underwriting) and the finalization phases
(contract generation, booking, disbursement).
Moreover a lot of different unit organizations of the bank
should be involved in each phases of the process.

6. The Scenario
Underwriting Contract
Management
Decision Legal Back
Risk Office
Entity Dept.
Booking
Risk
Disbursement
Business Business Termination
Decision Booking
Document Card
Credit Contract
Application
Usually the process is managed via Excel or Word files exchanged via email.
6

7. The Exprivia Solution
Exprivia provides a suite of software tools supporting the
automation of the entire credit lending process, covering
both the risk assessment aspects and the pure operational
tasks.
CreditOnWeb supports the credit approval
process, from the collection of client data, up
to creditworthiness assessment, from the
credit application definition up to the
approval stage.
CONTMAN automates the contract generation
process starting from validated templates
and data taken from the underwriting tool
(CreditOnWeb), managing different approval
workflows, as in the case of negotiation with
the client.

8. The Exprivia Solution
Contract
Underwriting Management Booking
Risk Decision Entity Legal Department Risk Back Office
CreditOnWeb CONTMAN
Disbursement
Business Business Termination
Credit Contract
Application
No data retyping, interfaces with other IT systems (internal/external) to
retrieve available information, check on data coherence and visibility rules,
electronic workflow. 8

9. Relevant Features of our tools
Web-based application
Multilingual – at user level
Multibank – one single database can contains
data of many banks
High level of Parameterization to model the
business process used in the bank
Real-time Agenda for each user
Notifications of changes or pending tasks via
email
Availability of reporting tools to calculate KPIs
related to efficiency and volumes

10. CreditOnweb Relevant Features
Parametric definition of:
 menus and pages
 portfolio of credit lines and collaterals typologies
 financial statement input and reclassification schemas
 roles and limits involved in the approval process
 user profiles for access control
Handling of credit application for members of the same
economic group
Real-time Agenda for each user
Generation of decision documents as PDF
Independent Rating and Financial Statement Module

11. CreditOnWeb added-value
Enhance credit risk assessment ensuring uniform
methodology and data coherence
Increase efficiency and speed of underwriting process,
reducing the cost of credit granting
Build up a credit information repository for internal
datawarehouse essential for credit control

12. CONTMAN Functional Overview
Templates are defined as composition of a set of
reusable basic components, named Contract
Building Blocks (CBB);
Parametric definition of verification/approval workflows for
templates, CBBs, contract with/without negotiations and
contract termination;
Possibility to manage also annexes to an existing contract
and to generate the contract fair copy, by composing all
approved annexes;
Generation of tasks and/or reminders about customers
obligations;

13. CONTMAN Added Value
Reduction of the processing time for contracts
preparation
Reduction of the manual activities and lower
operational risks
Ensuring the support for the business volume growth

14. References
17 banks, 14 countries over 3500 branches
Albania – Veneto Banka S.ha.
Bulgaria – UNICREDIT BULBANK A.D.
Croatia – ZAGREBACKA BANKA
Croatia – VENETOBANKA, Zagreb
Czech Republic – UNICREDIT BANK CZ A.S.
Hungary – UNICREDIT BANK HUNGARY
Italy – BANCA POPOLARE DI SONDRIO
Italy – BANKS in service of ISIDE SERVICE CENTER
Poland – BANK PEKAO SA
Republic of Moldova – EXIMBANK
Republic of Serbia – UNICREDIT SERBIA
Romania – UNICREDIT TIRIAC BANK S.A.
Romania – ITALO ROMENA BANK
Russia – UNICREDIT BANK RUSSIA
Slovak Republic – UNICREDIT BANK SLOVAKIA A.S.
Slovenia – UNICREDIT SLOVENIA BANK d.d.
Turkey – YAPIKREDI BANK

15. The success story of
Unicredit Slovenia Bank d.d.

16. UniCredit bank
UniCredit is one of Europe's leading commercial banks with
strong roots in 22 European countries. The network, which is
present in roughly 50 markets, includes about 9,400 branches
and more than 157,000 employees.
The Group operates in the following countries: Austria,
Azerbaijan, Bosnia and Herzegovina, Bulgaria, Croatia, the
Czech Republic, Estonia, Germany, Italy, Kazakhstan,
Kyrgyzstan, Latvia, Lithuania, Poland, Romania, Russia,
Serbia, Slovakia, Slovenia, Turkey, Ukraine and Hungary.
UniCredit banka Slovenija d.d. is with 21 branches present in
Slovenia since 1992 in Retail and Corporate segment (Private
Individuals, Small-Medium sized Enterprises, Corporate &
Investment Banking, Private Banking).

17. Implementation Key figures
CREDITONWEB
Implementation for all corporate clients, except financial
institutions and banks (61 % of total portfolio)
Types of clients included: mid market, key accounts,
international clients, public sector, municipalities
Types of proposals: single and group application,
review, short application
Types of products included: all types of loans,
guarantees, multipurpose lines, treasury lines, L/C
lines,… (total 125 variations locally parametrized)
Types of collateral included: 55 variations locally
parametrized

18. CreditOnWeb Added Value
MANUAL PROCESS vs AUTOMATED PROCESS
Plain text in word, no standardized applications (different level of included
details, un wanted flexibility and innovation possible). Example: “drawdown in
2 weeks, after signing of contract”.
Each data is entered in standardized way into pre-defined field and automatic
controls can be made. Example: “drawdown till 15.05.2013”.
Usage of previous applications (from other borrowers or old data of borrower)
mistakes carried forward.
Data is automatically transferred from source systems, manually is entered
only new data related to specific transaction.
All data are manually copied from other systems (i.e. group exposure, risk
position) mistakes, time consuming. Correctness of decision level has to be
cross checked in additional reports.
Decision level calculated automatically based on pre-defined algorithm with
total exposure automatically calculated.

19. CreditOnWeb Added Value
MANUAL PROCESS vs AUTOMATED PROCESS
Rating had to be approved separately and un-rated clients have to be cross
checked in additional reports.
Rating is automatically approved together with application. Application for
unrated customer are blocked till client is rated
Separate system for statistical purposes (each application entered manually,
additionally in case of returning to proponent ), data needed to be extracted in
order to prepare basic KPI reports
KPI reports automatically available (including reasons for repetitive processing
of application)
Auditing activities are very time consuming
Audit trails are available with information about who did what and when

20. Implementation Key figure
CONTMAN
Implementation for all corporate client with standardize
contracts (also for applications not handled via
CreditOnWeb). Future extension of the usage to SME
segment and also for procurement/HR contracts in
discussion.
Templates defined for loan contracts (that includes
also data of the major part of the linked collaterals)
and templates for related contract appendixes.
Templates defined for separate collateral contracts
and for related contract appendixes.
General predefined conditions to be used in all
contracts
Existing contracts have been migrated

21. CONTMAN Added Value
MANUAL PROCESS vs AUTOMATED PROCESS
Contract are generated starting from template in Word for which is
not possible to assure a correct versioning and history.
CONTMAN create a new version of templates and manage a
verification workflow. Only last approved version of templates can
be used for contracts generation.
After approval the contract department retyped the majority of data
twice to create contract (loan, collateral) and into credit sheet (excel
basis for booking).
Automatic transfer of data is done from CreditOnWeb to CONTMAN
so that only not yet available data will be manually added and the
rest cannot be changed.

22. CONTMAN Added Values
MANUAL PROCESS vs AUTOMATED PROCESS
Contract office can change also the fixed parts of the contract
template and this introduce the needs for more levels of checking.
CONTMAN allows to change also the “fixed text” (for example in case
of negotiations with the customer) but in this case an approval
workflow starts that involves different actors (Legal department,
risk or businesses) basing on the parts that were modified.
High number of templates with minor differences among each other
Reduced number of templates due the optimization of their structure

23. External Rating Engine
Integration
Receive:
• FS Data
• Credit application status
Legacy System Provide:
RICOS
• Calculated Rating and status
Provide: Provide:
• Client Data •International
• Live exposure Exposure
• Utilization • International Group
• Discriminatory events Composition
CreditOnWeb
DMS CONTMAN
Receive: AJPES
• Metadata for
contract identification Provide:
• Certified data about
Provide: the customer:
• registered name,
Contract Identification Analysis Reporting legal address …
Number for scan
recognition
Tool
Exprivia tools Third parties tools

24. Organisational concept for
implementation
Special project group set up with representatives from all
workflow steps (relationship manager, analyst, underwriting,
contract department, booking) who after implementation
become partial application owners and key users as well as basic
team for CreditOnWeb and CONTMAN implementation.
Key users further involved into testing and implementation of
ongoing new versions of tool
IT technologist with built up specialist knowledge in order to
support initial local parameterisation and further local changes.

25. Exprivia s.p.a.
Via Valtorta 43
20127 Milano
www.exprivia.it