Factoring and Buying of claims is a financial service which enables financing of operations, management of claims and risk protection by selling with a deferred payment date.
The module is designed for invoice discounting and management of purchased claims in domestic currency.
Software support enables:
The module is designed for invoice discounting and management of purchased claims in foreign currency.
Software support enables:
The module is designed for the execution of factoring and management of purchased claims in domestic currency.
Software support enables:
The module is designed for Discount of bills in domestic currency.
Software support enables:
A documentary letter of credit (loro and nostro) is a safe payment instrument and a payment security instrument. It signifies the bank’s commitment to pay the seller the amount due, subject to a timely presentation of correct, in the letter of credit specified documents.
The letter of credit is suitable for use in domestic as well as cross-border and international payment transactions.
A cheque is a simple and relatively inexpensive payment instrument for the payment of goods and services. The transfer of a foreign cheque to a foreign bank by the fastest route and reception of coverage approves the beneficiary’s account. Support for the management of cheques sent for collection.
Software support enables:
Guarantee operations consist of guarantees in domestic currency and foreign currency guarantees for the insurance of transactions, by which the basis for the issue of a guarantee is a specified transaction.
Support for legal transactions, it is the bank’s commitment to assume responsibility toward the beneficiary for the settlement of a third party’s liability, in the event of non-fulfillment of obligations stated in the guarantee under specified terms at maturity.
Neutral bank transaction for the redemption of various securities, payment instruments and documents on the client’s account against payment of fee.
The module is designed for the management and monitoring of documents sent for collection. The module supports collections in domestic as well as in foreign currency.
Software support enables:
The module is designed for the management and monitoring of documents, that other banks have sent for collection to our bank. The module supports collections in domestic as well as in foreign currency.
Software support enables:
Derivative financial instruments are instruments derived from an underlying instrument; they are rights, the price of which is directly of indirectly dependent on the price of the security, foreign currency, goods or the level of interest rate.
A currency forward transaction with a client is a binding agreement between the bank and the client to buy or sell a specified amount of foreign currency at the exchange rate defined on the date of contract and with the actual supply of the agreed amount at a specified future date.
Software support enables:
Currency SWAP transactions with client - Foreign exchange swap is a binding agreement between the bank and the client on the simultaneous buying or selling of a specified amount of a given currency and simultaneous forward sale or purchase of the same amount of that same currency. A swap is an agreement between clients to exchange two methods of financial realization for a specified time period.
Software support enables:
Buying or selling of the right that gives the holder the option of reimbursement of costs between each agreed interest rate. The following interest rate swaps are supported: plain vanilla, multi-callable swap, trigger liability swap. The following types of interest rate swaps can be managed in the module:
With all above listed modules management of the transaction according to the net or the gross principle and with an amortization schedule, the principal of which changes between individual interest periods or stays the same throughout the transaction period, is possible. The adding of new types of interest rate swaps, that can assume one of the properties of above listed transactions, is possible, as well as the determination of whether additional input of call parameters or triggers during the transaction is possible or whether these are inputted at the start of the transaction and stay unchanged until its completion.
Other Software support functionalities are as follows:
The module is an upgrade of the interest rate swaps module (it retains the functionality of the module regarding the input and use of the amortization schedule). Software support enables:
Insurance against interest rate risk with purchase of the right. The interest rate option hedges the debtor against an increase in interest rate above the implementation interest rate. The following types of interest rate options are supported:
• cap
• floor
• collar
Software support enables:
Buying or selling of the right to buy or sell a specified amount of foreign currency at a specified exchange rate. Software support enables:
Exotic currency options are options that differ from classic currency options in the calculation method and/or in what way and when the buyer of the option receives specified disbursement; properties are specified for individual option type.
In the software support the management of the following exotic currency options is supported:
Options can have either an American or a European mode of settlement, where the latter is relevant. For the above listed types the following barriers are supported (depending on option type):
• knock in
• knock out
• double knock out
• Euro knock in
Other functionalities:
The forward rate agreement is a contract between clients, that ensures an agreed forward interest rate for the leasing or placing of a specified, hypothetical amount of funds for a specified time period in the future. The forward rate agreement does not include an actual lease or placement of a specified amount of money on the money market. It is only an agreement on beforehand determined interest rates.
Software support enables:
Commodity option gives the purchaser the right but not the obligation to buy or to sell a certain type of commodity on a predefined day(s) for a predefined price. The settlement is always carried out in cash and never in actual commodity. In that way the buyer of an option is securing his/hers price.
To buy an option requires the buyer to pay premium which depends on strike price, lifetime and market price volatility of a purchased option.
Basic option types are as follows:
Price is fixed on a predetermined day (European Style) or on a basis of average prices in a predetermined period (Asian Style).
Just as commodity swaps, commodity options can also have one or more calculation periods and consequently one or more settlement dates.
Software support enables:
domestic currency or with a currency clause.
Management of the following is supported:
Software support enables:
Saving accounts differs by stimulating interest processing for domestic founds.
Software solution enables:
Current account book of receivables and liabilities is a subsidiary ledger and enables the bookkeeping of all financial business events, which relate to claims against buyers and obligations to suppliers and their settlement (payment), irrespective of whether it is transactions in domestic or transactions in foreign currency.
The product enables a record of accounts receivable with a required specification, which enables easy bookkeeping and later the calculation of input tax, record of advances given, internal entries and payment transactions. All analytical transactions are shown simultaneously also in the general ledger through package transfer of cumulative traffic into the general ledger. The entire offered software is divided into several modules: coding systems, liquidation, current account book of sellers with transfer into general ledger, payment transactions and VAT calculation.
Software support enables:
• coding systems: The purpose of coding systems is to ensure the standardization of the labeling of data carriers, which participate in the recording of transactions. (general coding systems, common coding systems)
• liquidation - domestic: liquidation is a software package for the received invoices record with the execution of procedures for the bookkeeping of costs. It enables a record and bookkeeping of liabilities for domestic as well as for foreign suppliers. Inputted data is the basis for the printing out of the tax book of input VAT:
-book of accounts payable;
-review of the book of accounts payable;
-apportion of accounts payable;
-managing of the keys for the automatic apportion of costs;
-liquidation - foreign exchange;
-foreign exchange book of accounts payable;
-review of foreign exchange book of accounts payable;
-foreign exchange apportion of costs;
-printouts of foreign exchange book of accounts payable;
-current account book of suppliers - domestic - The main module of the bookkeeping record of all liabilities, which is connected with the liquidation and payment transactions module. If this connection does not exist, the bookkeeping of all required transactions can be done in this module, but then there is no data for VAT. However, if the connection exists, then in this module only the bookkeeping of special features, such as the reconciliation of invoices with credit notes, record and bookkeeping of advances, transfers between documents etc. are executed. The data forms the liabilities subsidiary ledger, the balance of which in transfered by a special transfer into the general ledger Hibis:
-bookkeeping of the current account book of suppliers;
-bookkeeping of accruals;
-review of suppliers’ transactions;
-correction of the general data of the accounts;
-printouts of the current account book of suppliers;
-current account book of suppliers - foreign exchange;
-bookkeeping of the foreign exchange current account book of suppliers;
-review of foreign exchange documents;
-adjustment of foreign exchange liabilities;
-printouts of the foreign exchange current account book of suppliers;
-payment transactions - Module for the execution of payment transactions on the side of suppliers. The basis is an open account balance by account, for which payment orders by individual invoices are prepared. Simultaneously reservations are recorder, which prevent overpayment.:
-preparation of payment orders;
-review of orders;
-transfer into Hibis payment transactions;
-bookkeeping of orders;
-deletion of orders;
-calculation of VAT - Calculation of input VAT is executed from the database of received invoices where a complete specification of input tax with all the required parameters is located. Based on these parameters the allocation of invoices depending on tax period and by tax book columns is executed. The first requirement for the received invoice to be taken into account in the tax book, is that is recorded into the current account book, if it at the same time meets all other the requirements as well. Output tax in calculated on the basis of items recorded onto corresponding accounts in the general ledger. The final calculation of tax is shown on the VAT-O form. Calculation of output tax has the option of manual addition of items:
-tax coding system;
-preparation of tax book for input tax;
-preparation of tax book for output tax;
-printouts of VAT;
-general ledger - Analytical transactions of the current account book are transfered into the general ledger by the principal of package transfer, where a collection of all non-transfered transactions up to the inputted date is prepared in the form of a bookkeeping order for the general ledger. Each package is assigned its own number. For each package it is possible to print out the controller. Before bookkeeping the package can be deleted and prepared again. With bookkeeping the package is transfered into the general ledger with the assigned codes for type of transaction (VPO), action (AKC) and purpose (NAM). Change of package content after bookkeeping is not possible.
-bookkeeping of transactions into general ledger;
-printout of the analytical account card;
-printout of the controller of transactions transfer into the general ledger - Hibis
The product is an accounting software package for the management of bookkeeping records. To meet the needs of invoicing and current account book of buyers it contains the modules of coding systems, invoicing, current account book of buyers, VAT calculation and calculation of interest on arrears of claims against buyers. It is connected with the banking system in the coding systems (partners, post offices, chart of accounts, agencies, accounting periods, monetary units), rate of interest on arrears and foreign exchange rates areas. Automatic transfer of transactions into the general ledger of the banking system in also ensured.
Software support enables:
-coding systems: The purpose of coding systems is to ensure the standardization of the labeling of data carriers, which participate in the recording of transactions. (general coding systems, common coding systems);
-Invoicing - software package for the preparation and printing out of invoices and the transfer into current account book;
-input of invoices
-preparation of invoices for transfer into current account book;
-confirmation of credit notes;
-review of sale by documents;
-managing of the coding system of clauses;
-printing out of the book of accounts receivable;
-current account book of buyers - A group of programmes for the management of the subsidiary ledger of the current account book of buyers. The module is independent, it is connected with invoicing through the transfer of invoices into current account book and the general ledger with the transfer of transactions into the general ledger. If the transfer of invoices is ensured then only the bookkeeping of settlements and other entries is done in this module, otherwise it is possible to also manually record all claims against buyers.
-bookkeeping of current account book of buyers;
-transfer of invoices into current account book;
-bookkeeping of received payments;
-review of buyers’ documents;
-correction of general data;
-printouts of current account book of buyers;
-bookkeeping of foreign exchange current account book of buyers;
-review of foreign exchange documents of buyers;
-tolar adjustment of foreign exchange receivables;
-printouts of the foreign exchange current account book of buyers;
-VAT calculation - VAT calculation is executed from the database of issued invoices, and not from the current account book of buyers. Documents of claims against buyers are recorded directly into current account book, they will not be included in VAT calculation;
-tax coding system;
-preparation of the tax book of accounts receivable;
-printouts of value-added tax;
-interest on arrears - Calculation of statutory interest on arrears of claims against buyers for posted items in current account book of buyers. Two calculation methods. The first is manual by individual partner with the possibility of simulation and the second is packet for mass calculation on all posted receivables;
-input of interest rates;
-calculation of partner’s interest on arrears;
-packet calculation of interest on arrears;
-review and printing out of calculations;
-deletion of calculations;
-bookkeeping of calculations;
-general ledger - Analytical transactions of the current account book are transfered into the general ledger by the principal of package transfer, where a collection of all non-transfered transactions up to the inputted date is prepared in the form of a bookkeeping order for the general ledger. Each package is assigned its own number. For each package it is possible to print out the controller. Before bookkeeping the package can be deleted and prepared again. With bookkeeping the package is transfered into the general ledger with the assigned codes for type of transaction (VPO), action (AKC) and purpose (NAM). Change of package content after bookkeeping is not possible.
If the current account book of suppliers is also installed, then this part of the connection with the general ledger is common for the complete current account book, only the transfer is executed for each subsidiary ledger individually.
-bookkeeping of transactions into general ledger;
-printout of the analytical account card;
-printout of the controller of transactions transfer into the general ledger - Hibi
The module enables management of long-term and short-term loans granted to individual clients in foreign and in domestic currency or with a currency clause. Loans can be: special-purpose, non-special-purpose, lombard...
Software support enables:
A vista accounts of individuals are meant for the management of daily accessible funds.
Transaction accounts of individuals are in accordance with current Slovenian legislation the only accounts, through which legal, natural and civil law persons can receive and remit funds in payment transactions. They are multi-currency accounts onto which numerous instruments are bound, that simplify and speed up the disposal of assets for individuals. Software solution enables:
Savings books are meant for the management of a vista assets of individuals and conducting of transactions within the bank. The original functionality of the module has been limited by the change of the Slovenian law on payment transactions, whereby the transaction account can be the only inflow-outflow account within the payment system. Software solution enables:
Savings books are meant for the management of a vista assets of individuals and conducting of transactions within the bank. The original functionality of the module has been limited by the change of the Slovenian law on payment transactions, whereby the transaction account can be the only inflow-outflow account within the payment system. Software solution enables:
Savings products of individuals enable different ways of collecting population assets, which is stimulated with interest rate, premiums...
Annuity saving is a s long-term form of saving (usually 5-40 years) for a pension supplement, child’s studies... The client ensures funds with a single or with multiple deposits and later draws them in single disbursements, multiple disbursements or a combination of both.
Software solution enables:
Term deposits are short- and long-term savings, which enable bank to bind citizen’s funds for agreed time period. Funds might be ensured as cash deposit or non cash account debit. Software solution enables:
Term deposits are short- and long-term savings, which enable bank to bind citizen’s funds for agreed time period. Funds might be ensured as cash deposit or non cash account debit. Software solution enables:
The infrastructure enables the bank support for the front office and back office management of transactions and an upgrade with chosen modules of banking products.
The front office module supports base front office functionalities such as transcations postings, reviews, print outs and teller and agnecy data processing. The module is integrated with other Hibis modules thus ensures complete bank business processing support in front office. Software support enables:
Support for the bank’s exchange office transactions is executed within the front office/teller module.
Software solution enables:
Billing center module is meant for posting aggregate transactions of Hibis analytic modules.
Software solution enables:
Software support for the management of contracts on the storing of valuable objects of clients and management of the liabilities and claims originating from such contracts.
Software solution enables:
Treasury/vault module enables computer recording, management and processing for the management of the depository of a commercial bank and its branches and with that control over the bank’s cash funds.
Software support for depot operations is also developed within the same module which enables a record of the bank’s documents and securities (e.g. saving books, gold coins). Additional functionality is import of ATM consumption.
Software solution enables:
Back office module is a software package, which is an upgrade of the front office/teller module and together they represent complete support for bank transactions and supporting activities.
Software solution enables:
Online banking enables individuals to comfortably perform bank services from a desired remote location.
No installation is required on personal computer, personal digital certificate and one of common browsers is required.
Software support enables:
Mobile banking application enables bank's clients to conduct a number of financial transactions through a mobile device any time anywhere. Application provides functionalities that use modern features of mobile devices and so enables additional functionalities like scan and pay or locating nearest ATM ….
The following functionalities are available for Android (including Huawei) and iOS operating systems:
Integration modules are independent software units, which operate in an interactive way with other HIBIS modules, and thus give basic banking products a new added value or functionality.
Payment Cards module is a segment of software support that enables the Bank to operate with the Slovenian Card Processing Center Bankart and foreign processing centers EGCP, SIA, Fiserv and Euronet. Support depends on or adapted to the functionalities of each process center. Within the card business, support is provided for:
Debit cards are an element of a transaction account and enable transactions within the available balance of a personal or business transaction account.
Prepaid cards enable transactions within the available balance of the prepaid account. The balance on the account is provided by the holder of the prepaid account with transfers via electronic channels, deposits in the branch or transfers via payment transactions.
As part of support for debit and prepaid cards, the following is implemented:
Charge cards enable operations within the available card account limit approved by the bank.
Revolving credit cards enable operations within the available balance of the card account on the basis of a revolving loan approved by the bank.
Support depends on or adapted to the functionalities of each process center. Within the framework of Hibis card business support, the following is implemented:
ATM operations provide support for the management of ATM operations. ATMs are operated within vaults. Support includes:
POS acquiring enables operation of business support with POS terminals and includes:
Standing orders are intended for the payment of regular monthly liabilities of the bank's client. The software package enables support of transactions debited to the transaction account of individuals and legal entities, sole proprietors. Debit accounts are in Hibis, and the accounts of recipients of funds can be in Hibis or in other support of bank (its own), or other banks in Slovenia, within the SEPA payment system or within the international payment system.
Software solution enables:
Money laundering prevention is a software package which in connection with other HIBIS modules ensures software support for gathering, inventorying, reviewing and reporting of transactions to the Money Laundering Prevention Office.
Software solution enables:
Module is developed to process direct debits according to SEPA scheme.
BASIC SCHEME:
B2B SCHEME:
Software solution additional enables:
Interbank deposits are designed for the contracting, management and monitoring of interbank deposits, with foreign as well as with domestic banks. A deposit is either contracted with the bank of received from it.
Given interbank deposits are designed for contracting, management and monitoring of interbank deposits, with foreign as well as with domestic banks. The deposit is contracted with the bank, and after an agreed deadline the principal and interest, at an agreed fixed interest rate, are returned to us.
Software support enables:
Received interbank deposits are designed for contracting, management and monitoring of interbank deposits, with foreign as well as with domestic banks. The deposit is received from the dealing bank, and after an agreed deadline the principal and interest, at an agreed fixed interest rate, are returned to the bank.
Software support enables:
Interbank loans are designed for the contracting, management and monitoring of interbank loans, with foreign as well as with domestic banks. The loan is contracted with the bank.
Software support enables:
The support enables the management of interbank loans in domestic currency.
Software support enables:
The support enables the management of interbank loans in domestic currency.
Software support enables:
The support enables the management of given liquidity short-term loans in domestic currency.
Software support enables:
Software support enables:
The support enables the management of overnight deposits with the Bank of Slovenia.
Software support enables:
Interbank transfers are transfers of assets between current accounts or between a current account and a settlement account.
Software support enables:
Bank accounts for domestic and international payment transactions are supported. Monitoring and management of nostro / loro accounts in the country and abroad.
Management and monitoring of transactions on foreign currency accounts of the bank within the country or abroad.
Software support enables:
Management and monitoring of transactions on foreign currency accounts of the bank.
Software support enables:
The securities product supports transactions with issued securities at different issuers and listed stocks and shares, in accordance with the international financial reporting standards, for the bank’s own portfolio. MOdule also supports the management of securities issued by the bank.
The own securities module is designed for the management of securities issued by the bank. Bonds, certificates of deposit - CD and stocks and shares are supported. Securities can be nominated in domestic currency, with a currency clause or in foreign currency.
The module consists of basic processing:
Monitoring of trade in issued debt and equity securities at different issuers and listed stocks and shares for the bank’s own portfolio. Monitoring of the capital investments of a business.
Software support enables:
Module is designed for managing correspondent banks that are not in nostro current relationship with our bank (bank does not have loro or nostro business with those banks).
Software support enables :
Derivative financial instruments are instruments derived from an underlying instrument; they are rights, the price of which is directly of indirectly dependent on the price of the security, foreign currency, goods or the level of interest rate.
An interbank currency transaction (FX Spot and FX Forward) is a binding agreement between the banks to buy or sell a specified amount of foreign currency at the exchange rate defined on the date of contract and with the actual supply of the agreed amount at a specified future date. Software support enables:
Interbank currency SWAP transactions with client - Foreign exchange swap is a binding agreement between the banks on the simultaneous buying or selling of a specified amount of a given currency and simultaneous forward sale or purchase of the same amount of that same currency. Software support enables:
Buying or selling of the right that gives the holder the option of reimbursement of costs between each agreed interest rate. The following interest rate swaps are supported: plain vanilla, multi-callable swap, trigger liability swap. The following types of interest rate swaps can be managed in the module:
With all above listed modules management of the transaction according to the net or the gross principle and with an amortization schedule, the principal of which changes between individual interest periods or stays the same throughout the transaction period, is possible. The adding of new types of interest rate swaps, that can assume one of the properties of above listed transactions, is possible, as well as the determination of whether additional input of call parameters or triggers during the transaction is possible or whether these are inputted at the start of the transaction and stay unchanged until its completion.
Other Software support functionalities are as follows:
The module is an upgrade of the interest rate swaps module (it retains the functionality of the module regarding the input and use of the amortization schedule). Software support enables:
Payment transactions are support for the execution of payments on the basis of payment orders (transfer of funds) at home, abroad, cross-border and with third countries.
Payment transactions is the support for the execution of payments on the basis of payment orders (transfer of funds) within domestic transactions, cross-border transactions (in EUR). The module is a connecting element between Hibis modules and the external environment or domestic payment system.
Software support enables:
Payment transactions is the support for the execution of payments on the basis of payment orders (transfer of funds) within foreign transactions.
The module is designed for executing local and Cross-border Cash Pooling (ICM international cash management).
Software support enables:
Transaction review consists of two different software solutions:
AML CENTRE
The software solution is designed to manage the risk of money laundering (AML) or terrorist financing. It allows the bank to define and implement the controls that payment orders must meet in one place.
The internal black and white lists of the bank are taken into account first and then various checks are carried out:
MONITORING OF SUSPICIOUS TRANSACTIONS (SST)
The SST software solution is intended for assessing the authenticity of transactions or detection of suspicious transactions (abuses) that may occur on the bank's digital channels (e-bank, m-bank). In this way, the bank additionally takes care of the secure digital operations of its clients. SST works automatically, in 24/7 mode.
Evaluation and decision-making are carried out either within Hibis or in an external system (PRM), and in both cases is based on two elements:
Business Partners is an independent module within Hibis, where all data on the bank's partners are kept in one place.
The module manages partner data throughout the entire business cycle - from the first collection of basic data and assignment of a bank number, to supplementing data for the needs of various banking operations and services, risk management, internal and regulatory reporting, etc.
Changes are captured in one place, other Hibis modules can only use partner data. In addition to managing partners, it is also possible to manage related parties and groups of related parties, monitor customers in accordance with ZPPDFT, manage the ownership structure, and support the management of personal data with the GDPR regulation.
The most important record of each bank is the list (register) of its partners (CIF). They are roughly divided into individual clients and legal entities. Most of them are clients of the bank, but there are also potential customers, suppliers, etc.
Software support enables:
Module is designed for monitoring of for monitoring related individuals and groups of related individuals for clients of bank. Module is designed to manage different types of correlations between bank clients that are relevant from the sight of monitoring of exposure of individual client and from the sight of additional information about relationships between bank clients.
Support of related clients is based on two levels and enables input of:
Precondition of management individuals in module of related clients and groups of related clients is input in client file.
Support is intended for the management of related parties and groups of related parties for the bank's partners. It supports the management of various types of connections of the bank's partners, which are important from the point of view of monitoring the partners' exposure as well as from the point of view of additional information on relations between the bank's partners.
Related party support is built two levels and allows you to enter:
Module is designed for management of ownership structures, input and monitoring of actual owners in modules client file and related clients.
Software supports:
The ZPPDFT (Prevention of Money Laundering and Terrorist Financing Act) software solution enables the management of money laundering risks. Based on the characteristics of the client, it is possible to automatically determine the associated codes and on the basis of them to calculate the risk category to which the client belongs. The system also warns or blocks the opening of new transactions for those clients for whom operations are prohibited.
Software support allows:
Support is intended for the management of related parties and groups of related parties for the bank's partners. It supports the management of various types of connections of the bank's partners, which are important from the point of view of monitoring the partners' exposure as well as from the point of view of additional information on relations between the bank's partners.
Related party support is built two levels and allows you to enter:
Software support for SISBON on the side of Hibis software modules ensures data for the Slovenian Credit Scoring Information System for natural persons, which on the level of all Slovenian banks ensures a collective database on borrowers, beneficiaries of account limits and credit card holders, as well as on contracted transactions themselves and events occurring in these transactions.
Software support enables:
Reporting performs completely automatically, so there are no necessary actions in Bank, due to reporting,
Software support for SISBIZ on the side of Hibis software modules provides data for the Slovenian Credit Rating Information System, which at the level of all Slovenian banks provides a single database on borrowers, guarantors, users of account limits and credit card holders as well as on transactions and events on these transactions.
Software support allows:
Reporting is completely automatic, so no activity is required due to reporting on the part of the bank.
Reporting takes place via the interface immediately, which means that the data is reported as soon as the event is set, e.g. within the lowest reporting interval (5 minutes).
It ensures, in connection with other modules, software support for the execution of forcible recovery (Tax administration) and other debtor agreements (courts, customs...). The software package enables central management of claims on partner level and their programmed repayment from all modules within HIBIS. Software solution enables:
The module enables the management of collterals for the following groups:
Software support enables:
The module enables the conclusion of insurance policies as an additional service on behalf of the insurance company (e.g. Zavarovalnica Triglav, Zavarovalnica Sava, Generali Zavarovalnica) to its account. It is a synergy between the insurance company and the bank - the bank has access to a larger number of clients who can be persuaded to conclude products marketed by the insurance company, and the bank receives a commission fee from the insurance company for mediating in concluding insurance business.
We distinguish:
a. Collateral related to a bank transaction (existing or new):
b. Insurance that is not tied to an existing transaction at the bank, but the person is a client at the bank:
The module enables the calculation of premiums based on insurance, based on the entry of only a few necessary data (customer, transaction, transaction account) and additional information obtained from the transaction (for products related to the transaction) and product parametrisation. After the conclusion, further management, data exchange between the bank and the insurance company and the completion of the insurance are automated.
Support for managing of user’s accesses to Hibis enables:
Defining profiles is an upgrade of the existing standard support for granting accesses and rights for work in Hibis. Support enables more controlled and easier allocation of permits to work with Hibis.
Software support profile settings.
Profile that is assigned to a user consists of rolls and rights for working with KD modules. Therefore, in the context of a profile, the following operations are setting out:
Prepared settings for above items should be included in the specified profile. The profile can include one or more groups of rolls or rights. You can include only the settings for the roles, or just setting of the rights for loans module.
When profiles are defined, one can assign them to users.
Represents according to function an upgrade of other systems within the integrated software system for the support of the banking information system. It is also capable of independent operation and can cover the functions of general ledger management in domestic as well as in foreign currency.
Software support enables:
The reporting module is designed for the creation of statutory reports prepared in accordance with the requirements of Bank of Slovenia (BS). Additionally to preparing reports, however, the module, provides an overview and analysis of analytics included in the report.
The module is designed to represent a system upgrade to Hibis. It is connected via a common reference and standard programming interfaces. The design used allows importing of data from external data.
The main characteristics of software support are as follows:
Data platform consist of the following datasets:
Data transfer- data is transferred to the reporting module according to the requirements and needs of the individual banks - daily / weekly / monthly. The selection of the content and transfer schedule is user configurable by individual bank / user.
Transfer can be carried out:
Supported reports: within the reporting module the following reports or sets of reports are supported:
The product is designed to support the preparation of reports to the ECB and EKR, in accordance with regulatory requirements.
The following reports are supported:
Support for reporting consists of three components:
The basis for the creation of the report is:
The product is designed to support the preparation of data for impairment according to the requirements of International Financial Reporting Standards (IFRS).
Software support enables:
Monitoring the status of restructured Counterparty:
Terms and conditions of the Bank are determined on the basis of the conditions imposed. The data is recorded in The Register of restructured Counterparty.
The new software in accordance with IFRS 9 is in preparation.
Reporting JAM consists of two reports:
The basis for the creation of the report is:
In the context of supporting the following tasks:
Set of reporting EBA includes:
The basis for the creation of the report is:
Module support includes these tasks:
The inherent risk is related to identifying the risks to which the bank is exposed, implementing measures and preventing money laundering and terrorist financing. The report consists of two parts:
1. Defining the risks to which the rapporteur is exposed:
2. Defining the control environment:
The report is intended for both the risk assessment of the reporting entity and the report to the Bank of Slovenia on inherent risks (preparation of the National Risk Assessment), which is submitted in accordance with the xsd scheme.
In this section, data on payment statistics are being prepared, as banks are required to report from 1 January 2022 onward. The basis for creating a report are:
• information on partners
• batch data
• information on transactions on transaction accounts and cash payments
• PSD II transactions
• Account Information Service inquiries
Reports on the number of accounts and payment statistics are being prepared (payment transactions, credit payments, direct debits, PSD2 payments, electronic money payment transactions ...).
The system prepares reports on the basis of data from the system, and it is additionally possible to import data received by the bank from third parties who prepare data for the reporter (process centers, providers of other relevant services). Reports are created and submitted to the regulator in the prescribed form (xml in accordance with the prescribed xsd scheme).
FATCA and OECD CRS
FATCA and OECD CRS are intended to prevent tax frauds by USA or other foreign taxpayers.
Support for FATCA and CRS in Hibis system is composed of 2 compounds for each:
Verification process is performed within »Business partners« core module. With the process, bank identifies those clients that have any FATCA/CRS indication. Afterwards it identifies those, that are actual USA or other foreign taxpayers.
Reporting is performed within »Regulatory reporting« core module and gathers assets on accounts, owned by USA / other foreign taxpayers at bank.
Report formation basis:
Data sending on Tax administration demand
Solution includes two functionalities:
Data preparation is activated after receiving electronic inquiry from Tax administration and Hibis import. Inquiry consist of conditions based on which data should be prepared, for example: for single taxpayer / for all taxpayers; inflow/outflow/all transactions; for legal persons/for natural persons/for non-residents/all, time (date) interval from – to, for single country/for all countries.
Data sets formation basis:
Comprehensive audit trail provides a record of changes and activities of the Hibis user for:
Basis of recording is that one can obtain information about who and when is taken any action. In case of change (update, delete), the old and new value of data is recording.
Module is designed for bank that has role of distributer of e-invoices and also for bank in role of issuer of e-invoice.
Module is designed for receiving e-invoices and distribution of all associated documents. Module supports processing of e-invoices for invoice center of Halcom and Bankart.
Software supports :
Module is designed for issuing e-banks invoices and enables bank’s electronic bank as a safe communication channel via e-invocies system.
Software support enables :
Module eSocial is designed to process received requirements (from Center for social work) and sending data about passive business of bank’s clients.
Software support enables:
Module dashboard provides an easy to read, real-time user interface, showing a graphical presentation of the current status (snapshot) and historical trends of all important processes in bank to enable instantaneous and informed decisions to be made at a glance. Current status is pointed out based on predefined control points. Software support enables :
Module CRTRR is designed for exchange od data with Central register of bank account numbers. Excange of data is supported by prescribed rules and protocols.
Software support enables:
Functional assembly that enables the setting and monitoring of exceutions and processes of different frequencies (annual, monthly, weekly, daily, from time to time), in several lots, on one place for allHibis modules:
The settings are:
The module also provides:
DOMIS (DOcument Management Information System) is a stand-alone solution for the e-storage of bank documents. It is closely connected with the Hibis core system, therefore processes are optimized so that they run faster than with external solutions. This enables the following user benefits:
a) Higher productivity
b) Efficient and fast implementation
c) Easy management and use
DOMIS enables the following functionalities: