Hrc - Catalogue

Legal entities

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.

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

Individual clients

A vista accounts of individuals are meant for the management of daily accessible funds.

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.

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
prepaid cards
charge cards
revolving cards
ATM operations
POS acquiring

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:

exchange of card management data with the process center on the basis of files and web services (ordering cards and changes such as card blocking/unblocking, orders for card replacement, changes of limits)
management of card attributes via electronic channels (e.g. changes in daily limits, on/off SMS notifications, on/off contactless, temporary blocking/unblocking of cards)
24/7 (standin) execution of online reservations (authorization of card transactions)
sending a status database
processing and posting transaction files
calculation of card management costs
calculation of SMS notification costs

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:

management of master data of card accounts and cards
exchange of card management data with the process center on the basis of files and web services (ordering cards and changes such as blocking/unblocking, orders for card replacement, changes of limits)
management of card attributes via electronic channels (e.g. changes in daily limits, on/off SMS notifications, on/off contactless, temporary blocking/unblocking of cards)
24/7 (standin) execution of online reservations (authorization of card transactions)
processing and posting of transaction files received by the processing center
sending changes to traffic data by card invoices to the processing center
performing billing cycle operations in Hibis
calculation of default interest
creation and distribution of statements through supported channels (e.g. mail, electronic banking, e-mail, e-invoice)
settlement (debiting a bank account or alternative options that allow automatic payment through another bank)
calculation of card management costs
calculation of SMS notification costs
installment management
calculation of membership fees
support for the return of a proportionate share of membership fees
conducting a reminder procedure

ATM operations provide support for the management of ATM operations. ATMs are operated within vaults. Support includes:

processing process center files and posting ATM transactions
interbank settlements
issuing invoices for commissions
settlement for prepaid phone charging vouchers

‍POS acquiring enables operation of business support with POS terminals and includes:

management of master data of merchants, points of sale and POS terminals
posting POS transactions
remittances to merchants
interbank settlements
charging of costs
invoicing

Interbank operations

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.

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.

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.

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:

plain vanilla interest rate swaps
callable interest rate swaps (multi-callable swap)
option of input of call parameters (separately for payer and receiver - date of change and changes in interest rate)
option of bookkeeping of actual transaction call
trigger interest rate swaps (trigger liability swap)
input of an optional number of triggers with two parameters, operators greater than, less than, greater than or equal to, less than or equal to and equal
parameters and trigger effect determine interest rates (fixed and reference)

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:

contracting of transactions with banks or legal persons
creation of MT360 and MT362 messages - automatically within daily processing (transactions with banks)
supported fixed-for-floating rate swaps with or without margin and vice versa, and fixed-for-fixed and floating-for-floating
possibility of management of floating / reference interest rates on individual transactions or the use of the collective Hibis coding system
automatic bookkeeping of business events within daily processing
import and bookkeeping of evaluation effects from an external source
bookkeeping of effects with a manual bookkeeping programme
automatic generation of an amortization schedule for payer and receiver based on inputted parameters
manual corrections of amortization schedule
option of bookkeeping of settlement directly into current account transactions
support of settlement through domestic payment transactions
input, bookkeeping and settlement of premium for contracted transactions
settlement with bookkeeping into transitional account
notification by email of: interest rate fixations, maturity of accounting periods and triggering of triggers, and notification of possible irregularities in the amortization schedule (incorrect accrual dates, unaccounted accruals or payments)
input and use of the coding system of umbrella contracts for trading in IFI transactions
bookkeeping of exchange rate differences for transactions in foreign currencies and transactions with a currency clause
authorization (possibility of four eyes control)

Core modules

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.

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.

Legal entities

Transaction accounts (current account)

Online AND MOBILE banking

Loans

Buying of claims

Documentary operations

Derivative financial instruments

Saving products

Current account book (ORPIS)

Individual clients

Loans

A vista accounts of individuals

Saving products of individuals

Infrastructure for conducting transactions with individuals

Online banking

Mobile banking

Integration modules

Interbank operations

Interbank deposits

Interbank loans

Overnight deposits with bank of Slovenia

Interbank transfers

Accounts of banks

Securities

Correspondent banking

Interbank derivative financial instruments

Core modules

Payment system

Client file

SISBON

SISBIZ

Seizures

Collateral

Insurance products

Profiles

General ledger

Reporting module

Audit Trail

E-invoices

E-Social

Dashboard

Central register of bank account numbers (CRTRR)

Process Monitoring

E-storage of documents