TEMOS
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TEMOS
TEMOS The Monitoring System for Credit Risk
TEMOS Overview
Automated Collateral Management
The collateral rating system determines a margin in percentage per instrument on a daily basis.
Credit Risk Management
With the functionality of TEMOS, the entire credit portfolio can be managed and monitored.
Limit Management
All limit types – Lombard, Counterparty, Countries, Mortgages, etc. – are managed by TEMOS.
Automated Risk Rating
TEMOS evaluates a ‘Proposed Portfolio Rating’ on a daily basis according to the banks credit policy.
Workflow based Limit & Excess Handling
Workflows support the user in managing limits and excesses.
Counterparty & Country Limit Handling
Counterparty and country limits can be handled and monitored at both branch and group level.
Simulation & Stress Scenarios
A complete set for simulations, stress scenarios and concentration risks is available for all customer groups.
Critical Risk Information
CRI supports all levels of management in ensuring the conformity of internal rules within the bank.
Instant Report Generation
Standard reports, as well as an ad-hoc report environment allow for customized reporting.
Fully automated end-of-day process
From interface data load to customer portfolio calculation.
Security & Audit Management
Single Sign On (SSO) / Kerberos as well as special audit views are standard.
TEMOS Data Management
Automated Collateral Management
Automatic allocation
of lending value rates based ondifferent decision matrixes / market information / specific bank parameters
Standardized calculation
for the whole bank / group
Transparent lending rate allocation
for all users of TEMOS
Special conditions
set on product level / single security level / globally valid over the credit book / customized per client
Credit Risk Management
Local
and
worldwide monitoring
of partners and partner groups
Automated and standardized
monitoring for all types of partners and limits
Credit information for
all persons involved
Daily evaluation
of all positions at market prices
Monitoring of the collateral loan risks
on the basis of “replacement value + add‑on”versus collateral value
Pledge allocation
Limit Management
Limit Management
for Lombard / Other secured / Unsecured / Volume / CollaterizedTrading Limits
Automated Lombard Limit
on well-diversified portfolios with all required and signeddocuments
Mortgage Management
Automatic limit approval process
between Front and Credit Office
Workflow
based
Risk Collateral Assessment
Approval process
due to assigned credit competences (authority)
Country Limits
TEMOS Workflows
Automated Risk Rating
User group dependent
dashboards
with daily tasks/overview for the user
Daily supervision
of assigned Portfolio Risk Ratings
Daily analysis
of composition of collateral in a client portfolio
Identification of collateral concentration
in client portfolios
Identification of
concentration of risk
in alike:
products
countries
currencies
Workflow based Limit & Excess Handling
Parameterizable workflows
guide through limit management and excess management
State deviations
of current situation compared to approved conditions of the credit policy
Categorization and
set of priorities
by TEMOS
Automatic review function
in case of worsening of the position or due to reach ofreview date
Documented and stored
excess information
Deputy and delegation
function in place (Vacation or illness of Credit Officer)
Counterparty & Country Limit Handling
Counterparty Management
(banks, institutional clients, brokers)
Group Risk Overview
for counterparties and corporate clients
Monitoring of counterparty risk
on the basis of “Replacement Value + Add-on” forpositions and transactions
Automatic limit approval process
between Front and Credit Office
Country Limit Management
Country risk reporting
(exposure vs. limits, including rating and weighted limits andexposures)
Simulation & Stress Scenarios
Simulation & Stress Scenario
Stress scenarios
based on changing market prizes and/or on currency rates, differentcountry risks or on special issuers
Single Portfolio
Simulation
Simulation results can easily be
compared
to actual risk calculations of the last end ofday processing
All TEMOS functionalities are available in a
separate simulation application
environment
Critical Risk Information
Monitoring of
delegated competences
Monitoring of the processing of all positions
that deviate from the bank’s internal regulations
Predefined evaluations
are automatically generated according to defined periodicity
View details of the position
online directly, enter comments and trigger actions
Direct information
of the officer via Proviso possible, if the supervisor does not agreewith the course of the previous action
CRI supports
all management levels
in ensuring compliance within the bank
The use of CRI can be
parameterized flexibly
Transparency
and
increased efficiency
is thus possible at all management levels
Instant Report Generation
Reports in
PDF
or
Excel
format
Historical data
can be analyzed
at any time
Ad-hoc
reporting
TEMOS System
Automated Process Management
Graphical visualization
of the EoD process per business unit
Integration engine
Integrates and modifies
the delivered information
Formats product identification
to the product logic
of TEMOS
Transforms
all relevant
information
(e.g. currencies, countries, client types, securityal-locations) into TEMOS codes
Automatic export processing for downstream interfaces
Security & Audit Management
Sophisticated access
security based on Function / User / Location/workstation
Single Sign-On / Kerberos
Journalizing
of how data is accessed and manipulated
Powerful online
audit analysis
with old/new data set comparison
