KI Finans Manual 1 Last update: 2015/03/10 Finance active

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1 KI Finans Manual 1 Last update: 2015/03/10 Finance active

2 Table of Contents Overview... 1 Getting started... 6 Create a New Fixed Rate Loan... 8 Create a New Floating Rate Loan... 9 Create a New Vanilla Swap to hedge a loan System administration Concepts Portfolio management New Deal Form Portfolio analysis Building custom reports Reference Glossary Indicators Pricing FAQ Release Notes May Release Summer Release Fall Release Winter Release... 41

3 Overview Welcome to KI Finans! This overview will go through the main areas of the application to get you familiar with it. We encourage you to read it, but the hurried ones can jump to the Getting Started Guide. User Preferences Clicking on your name on the top-right of the screen allows you to change you personal settings and your password. This is also where you can logout from the application. Closing the browser window does not log you out. You should explicitly log out each time you leave the site to make sure no one will impersonate your session. The Main Menu The top menu allows you to navigate into the different areas of the application: Generated by Manula.com on: 2015/03/10 14:05:04 Page 1 of 41

4 the Dashboard (or Home Page) the Market Area the Portfolio Area the Analysis Area the Reporting Area the Administration Area The Dashboard The Dashboard, that is also the home page of the application, displays a series of widgets with key informations about your Portfolio. The Market Area The Market Area is where you will find historic and forward curves for indices or other financial instruments, as well as fixing values for those instruments. The Calendar Generated by Manula.com on: 2015/03/10 14:05:04 Page 2 of 41

5 The Calendar provides a unified view of all deal events in a given Portfolio. Tracked events include : maturity dates of all loans, bonds or derivatives past and future payments for all deals The Portfolio Area The Portfolio Area is where you manage and review all yours deals. From here, you can : filter, sort of find Deals integrate new Deal using input forms or XLS import features managed personal filters for specific tasks or insights access Deals details for review or management export all or some of your deals characteristics and schedules to XLS for further treatment Detailed documentation on how to performs those tasks can be found in the Portfolio Management section Generated by Manula.com on: 2015/03/10 14:05:04 Page 3 of 41

6 The Portfolio Area is not meant to perform analysis on your deals. Those are performed in the Analysis and Reporting areas. The Analysis Area The Analysis Area is the place where you can get insight on key aggregated figures in a given portfolio. All Analysis Widgets provide a common set of feautures : you use a filter to restrict the set of deals that will be analyzed you can change the analysis date; this will reset all the selected deals to that date you can change the consolidation currency Furthermore, each Widget provides a parameter section, so you can configure it to customize what is displayed. The Reporting Area Generated by Manula.com on: 2015/03/10 14:05:04 Page 4 of 41

7 Generated by Manula.com on: 2015/03/10 14:05:04 Page 5 of 41

8 Getting started Welcome to KI Finans! This getting started guide relies on a very simple account structure (for advance discussion on the account structure, see Concepts section : The Account has only one Entity, called Kommun The Account only has the Default Organization, including Entity Kommun The Account has 2 external counter-parties defined : Bank 1 and Bank 2 We ll discuss how to create a couple of deals and add them to the portfolio, how to review and enrich deal characteristics and schedule, and finally how to generate a simple report with key indicators on the aggregated portfolio. Create a new Fixed Rate Loan Create a New Floating Rate Loan Create a New Vanilla Swap to hedge a loan Generated by Manula.com on: 2015/03/10 14:05:04 Page 6 of 41

9 Generated by Manula.com on: 2015/03/10 14:05:04 Page 7 of 41

10 Create a New Fixed Rate Loan Creating a new Fixed Rate Loan is done on your Portfolio Page, using the Add New Deal -> Fixed Rate Loan drop-down button. Once you clicked the link, a popup form appears, inviting you to provide structural information about your Loan. You can find a detailed description of the input fields here. Lets create a Fixed Rate Loan with the following values : Reference : FIXED 001 Principal : 1,000, EUR Trade Date : Start Date : Maturity Date : Interest Rate : 2.23 % Day Count Convention : 30/360 ISDA Frequency : Quarterly Adjustment : Modified Following Payment Date Adjustment : Modified Following Once you validate, the Deal is created in Draft Mode ; you can review it and click on Commit to Actual Portfolio (on the top of the details page or with the Actions menu) to actually integrate the Loan into Kommun s Portfolio. You can browse back to the Portfolio Page, where your new Loan now appears : Next Step: Create a New Floating Rate Loan >> Generated by Manula.com on: 2015/03/10 14:05:04 Page 8 of 41

11 Create a New Floating Rate Loan Creating a new Fixed Rate Loan is done on your Portfolio Page, using the Add New Deal -> Floting Rate Loan drop-down button (this is very close to << Create a New Fixed Rate Loan). Once you clicked the link, a popup form appears, inviting you to provide structural information about your Loan. You can find a detailed description of the input fields here. Lets create a Floating Rate Loan with the following values : Reference : FLOATING 001 Principal : 1,000, EUR Trade Date : Start Date : Maturity Date : Index : STIBOR3M Spread : 0.12 % Day Count Convention : Actual/360 Amortization : Straight Line Frequency : Quarterly Adjustment : Following Payment Date Adjustment : Modified Following Once you validate, you are redirected to the new Loan Details Page, in the Pending Deals Portfolio. Scroll down to the Schedule Section to review past and forward payments : Generated by Manula.com on: 2015/03/10 14:05:04 Page 9 of 41

12 After you review it and commit it, it appears into your Portfolio : You now have a complete Portfolio with 2 Loans. It is time to hedge your STIBOR Loan with a Swap. Create a New Vanilla Swap to hedge a loan >> Generated by Manula.com on: 2015/03/10 14:05:04 Page 10 of 41

13 Create a New Vanilla Swap to hedge a loan From the Portfolio Page, open the Deal Details Page of the floating rate loan (just click the deal badge for this purpose). Then, open the Actions menu and choose Create Hedging Swap. This will open the New Vanilla Swap form, pre-filled with the Loan characteristics. Enter the missing informations to complete the form. This will create a New Vanilla Swap, and an hedging link between the new swap and the initial Loan. Commit the new Swap to your Portfolio. It should now appear into you Portfolio : Congratulations : your Portfolio is now completed. Time to Generated by Manula.com on: 2015/03/10 14:05:04 Page 11 of 41

14 System administration Generated by Manula.com on: 2015/03/10 14:05:04 Page 12 of 41

15 Concepts KI Finans information is structured around 3 main concepts : the Account, that holds global settings and defines the hard boundaries of the system for any customer user (including the Administrators) the Entities, which are legal units managed inside an account. Entities can be parties or counterparties of the deals and instruments managed inside an Account ; typically, Entities are Cities, Companies, Subsidiaries or Join Ventures whose portfolio has to be aggregated at some level the Organizations, that are logical groups of Entities More on Organizations Organizations are a powerful mean to define the structure of a given account in a very supple way. They provide both consolidation rules and security rules and can be used to design complex structures, workflows and permission schemes. At any time, a user is bound to a single Organization. The current Organization holds the contextual information used to determine what the user can see or do : the Portfolio contains all the deals for which the Entities associated with the organization are parties or counter-parties Deals are displayed and aggregated into the Portfolio up to a share defined at the Organization level for each Entity; this allows for defining complex consolidation rules in case of partially owned entities users contributing to an Organization can have different permission sets according to their role inside the Organization; for instance, some users can only visualize a subset of the deals, or manage only the deals of a subset of the entities that are members of the organization it is possible for an Organization Administrator to override some of the global settings in the context of the Organization; for instance, it is possible to define local external counter-parties At creation time, an Account contains one and only one Organization, named Default Organization. Account Administrators can create as many Organizations as they want. Reasons for creating organizations can vary from customer to customer : defining different security perimeters for Portfolio Managers designing regional consolidation hubs Generated by Manula.com on: 2015/03/10 14:05:04 Page 13 of 41

16 mimicking a hierarchical structure etc. Properly designing the structure of your Account is key to unleash KI Finans s full power, especially in large organizations. It should be thought carefully. Generated by Manula.com on: 2015/03/10 14:05:04 Page 14 of 41

17 Portfolio management To do. Generated by Manula.com on: 2015/03/10 14:05:04 Page 15 of 41

18 New Deal Form The following table gives the description of available fields in new Deal forms. Field Deal Type Description Deal Reference External Reference Principal All Deals All Deals Fixed Rate Loan Floating Rate Loan Unique reference of the deal. Used to identified the deal within the portfolio Reference used by external systems to identify the Deal. Used when deals are imported from or exported to another system. Principal amount of the loan. Notional All Derivatives Notional amount of the derivative. Currency All Deals Currency of the principal or notional. Trade Date Trade Date All Deals All Deals Date at which the deal has been traded. From then, the system considers that the deal is part of the portfolio (even if it is not started) Date at which the deal has been traded. From then, the system considers that the deal is part of the portfolio (even if it is not started) Start Date All Deals Unadjusted start date of the deal. Maturity Date All Deals Unadjusted maturity date of the deal. First Roll Date Last Stub Interest Rate Index Spread Daycount Convention Amortization All Deals All Deals Fixed Rate Loan Swaps Floating Rate Loans Swaps Floating Rate Loans Swaps All Deals Standard Loans Unadjusted date of the first payment (useful when the first period is a long or short stub). Defines wether the last period should be a short or long stub when it does not match the frequency. Defaults to Long End Stub Fixed rate value, expressed as a percentage. Name of the index used to find the floating rate value. Spread (or margin) value, expressed as a percentage. Daycount convention used to compute the day fraction of an interest accrual period. Amortization mode. Only Bullet and Straightline are available in forms. Custom amortization can be configured later on. Generated by Manula.com on: 2015/03/10 14:05:04 Page 16 of 41

19 Frequency All Deals Frequency of the payments. Adjustment All Deals Adjustment mode for the interest calculation. The theorical start and end date of the accrual period will be adjusted accordingly before computing interest amount. Payment Date Adjustment All Deals Adjustment mode for the payment date. Try the following shortcuts to enter your dates : / / +1m / -1y / +10d Generated by Manula.com on: 2015/03/10 14:05:04 Page 17 of 41

20 Portfolio analysis To do. Generated by Manula.com on: 2015/03/10 14:05:04 Page 18 of 41

21 Building custom reports To do. Generated by Manula.com on: 2015/03/10 14:05:04 Page 19 of 41

22 Reference Generated by Manula.com on: 2015/03/10 14:05:04 Page 20 of 41

23 Glossary Generated by Manula.com on: 2015/03/10 14:05:04 Page 21 of 41

24 Indicators Spot Indicators Spot indicators are computed at a specific date. Accrued Interests Evaluates the pending amount of interests accrued form the beginning of the current period to the computation date. If the computation date is a payment date, the accrued interests are zero. Mark to Market Present value (incl. accrued interest and, in the case of loans, principal). Current Rate (30/360) Interest Rate for the current period of the deal. This rate is converted into a uniform interest rate method (30/360 US, also called 30/360 Bond Basis) For a portfolio, Current Rate (30/360) is computed using an average of each Equivalent Current Rate, weighted by the Outstanding Balance, and taken into account swaps. Capital Commitment Time to the earliest date at which the bank can claim repayment. Can differ from the time to maturity especially if the bank can draw callable clauses. For a derivative, capital commitment is 0 by definition. For a portfolio, the capital commitment of several loans is equal to the average of each capital commitment, weighted by the outstanding amount at the computation date. Rate Commitment Time to the last date for which the applicable interest rate is known with certainty. For a portfolio, Rate Commitment is computing using an average of the Rate Commitment or each loan, weighted by the Outstanding Balance, and taken into account swaps (with negative amount for receiving leg). Remark : Swaps can increase (or decrease) the interest rate commitment of a portfolio but options cannot. Time To Maturity Generated by Manula.com on: 2015/03/10 14:05:04 Page 22 of 41

25 Time to the maturity date of the deal. For a portfolio, Time To Maturity is the maximum value of the Time To Maturity for each deal. Weighted Average Remaining Term Weighted average of the time until cash flows are received. For a derivative, Weighted Average Remaining Term is 0. For a portfolio, Weighted Average Remaining Term is computed using an average of each Weighted Average Remaining Term, weighted by the Outstanding Balance of the loan. Outstanding Balance Sum of all the remaining capital payment of the loan. For a derivative, Outstanding Balance is 0. Outstanding Notional Nominal or face amount that is used to calculate payments made on a derivative. This amount generally does not change hands. For a loan, Outstanding Notional is 0. Generated by Manula.com on: 2015/03/10 14:05:04 Page 23 of 41

26 Pricing Generated by Manula.com on: 2015/03/10 14:05:04 Page 24 of 41

27 FAQ Generated by Manula.com on: 2015/03/10 14:05:04 Page 25 of 41

28 Release Notes Generated by Manula.com on: 2015/03/10 14:05:04 Page 26 of 41

29 2014 May Release The Finance active team is happy to announce the immediate availability of the final release of KI Finans 2.0.! This new release includes more than 20 new exiting features and 150 minor enhancements and fixes. See below for the most noticeable changes. New Home Page The Home Page of your organization has been redesigned to offer a quick look on what s happening : Main indicators on your consolidated portfolio Last fixing for your currency indexes Current yield curve on your currency News feed on your area New Market Area The market area has been completely re-written to offer a powerful and extensible design. Generated by Manula.com on: 2015/03/10 14:05:04 Page 27 of 41

30 This release contains 2 brand-new market screens and more are yet to come! Historic fixing and forward values for all short-term (ibor) indexes in the 6 main currencies (EUR,USD,GBP,JPY,SEK,NOK) Yield curves in the 6 main currencies (EUR,USD,GBP,JPY,SEK,NOK) All charts can be exported as images and their data can be downloaded to Excel New Product Support Vanilla interest rate options You can now book and manage vanilla caps, floors and collars in the system. You can immediately see the impact of your interest rates derivatives in all your historic and forward analysis. Generated by Manula.com on: 2015/03/10 14:05:04 Page 28 of 41

31 Bonds You can book fixed and floating-rate long term bonds using the new Bond feature. Certificates and Issuing Programmes KI Finans also manage short-term zero-coupon bonds, using the Certificates feature. Certificates are booked, analysed and consolidated through an issuing programme. Generated by Manula.com on: 2015/03/10 14:05:04 Page 29 of 41

32 Amortized swaps You can now configure the amortization profile of your swaps. h3. New Analysis Screens Interest Expense Interest expense is an historical and forward analysis of interest expense over a period. You can analyze how your refinancing strategy impact the forward looking interest expense of your consolidated portfolio. Generated by Manula.com on: 2015/03/10 14:05:04 Page 30 of 41

33 Balance distribution by lender & borrower Through this new screen, you can easily review your exposure by Party or Counterparty. And much more Global renewal policies Renewal Policy can be set on each entity. This renewal policy is applied to all deals related to this entity. Deal simulations New deals can now be booked into the Simulated Deals portfolio rather than the Actual Deals portfolio. You can then use the new tagging system to include some of the simulated deals into all the historical or forward analysis. Tagging system You can now add custom tags to all your deals (including the simulated ones) to design specific portfolios for use into the analysis and reporting areas. Notification center Use the notification center to configure get notified (by mail) when deals mature or when a payment will occur. Enhanced life-cycle management on live deals. Generated by Manula.com on: 2015/03/10 14:05:04 Page 31 of 41

34 You can now perform partial repayment on any loan, as well as early terminations on derivatives. Spread/index changes, as well as rescheduling are to come soon. Generated by Manula.com on: 2015/03/10 14:05:04 Page 32 of 41

35 2014 Summer Release The Finance active team is proud to present the new KI Finans release! This summer release will introduce many new outstanding features, which will improve your experience with KI Finans and help you to get the most out of it. So, have a look below and discover what s new in KI Finans! New Features New Layout in Reporting Section The KI Finans reporting section has a brand new look! Discover the new features that will further enhance the efficiency and the accuracy of our reporting tools. Generated by Manula.com on: 2015/03/10 14:05:04 Page 33 of 41

36 From now on, you will be able to choose between two different view modes, i.e. by period and by indicator. The By Period mode will allow you to monitor periodic trends for all indicators in a single view, while the By Indicator mode provides a focus on each indicator over the predefined period of time. "By Period" view "By Indicator" view Furthermore, you will be able to add to each report and for each deal all the relevant additional data you need besides the default list of key indicators (Counterparty, Deal Status, Deal Role, etc.) Generated by Manula.com on: 2015/03/10 14:05:04 Page 34 of 41

37 Custom Index This new feature enables to set a particular index which may not be available by default in KI Finans. The Custom Index, which replaces the old Bank Index, can be used for products such as loans and the upcoming cash facilities. Once you have defined the initial index, you will be able to set one or more fixings according to which your index value is defined over time. And what is more, a graphical view will allow you to get a simple yet functional overview of fixing trends Generated by Manula.com on: 2015/03/10 14:05:04 Page 35 of 41

38 Capitalized Interest KI Finans offers yet another option to manage your payment schedule: the Capitalized Interest feature allows to add interest expense to the principal balance of a deal. The final payment amount will thus include both interest expense and principal repayment. Hedging Graphical View We added two new graphical views to deals Hedging section, which now provides comprehensive information about current rates and hedging percentage. For each period, you will be able to check if your deal is 100% hedged, and to monitor rate trends (including or excluding hedging) over time. To do so, you will be able to choose between two different views providing a derivative-focused or hedged-focused perspective, the first one being accompanied by a third graph presenting the last four Mark to Market values. Generated by Manula.com on: 2015/03/10 14:05:04 Page 36 of 41

39 New Market Indexes The STIBOR T/N and STIBOR 1W indexes are now available in KI Finans. New Indicators Clean Market Value A new indicator has been introduced to provide you with additional relevant data for loan analysis: the Clean Market Value, corresponding to Mark to Market value minus accrued interest. Accrued Interest With this summer release, a new periodic indicator will be introduced for Accrued Interest: while only a spot indicator was available previously, from now on you will be able to define your analysis period and to obtain two values, one corresponding to Accrued Interest on the start date of the period and one for the end date. Generated by Manula.com on: 2015/03/10 14:05:04 Page 37 of 41

40 Products Support On Product Two new actions will be supported on ongoing loans: Cancellation: the principal amount will be fully repaid Repayment: the principal amount paid will be set through the user interface Generated by Manula.com on: 2015/03/10 14:05:04 Page 38 of 41

41 Cash Facilities: A New Product Type Coming Soon KI Finans will soon allow you to manage a new product type: the Cash Facility Line. This agreement established between a financial institution usually a bank and a customer, sets a maximum loan balance that the borrower is allowed to maintain. The borrower can draw down or pay back on the line at any time, as long as they do not exceed the maximum amount set in the agreement. The net position of a cash facility can be either credit or debit. In other words, a user will be able to book a payback without having any drawings. Generated by Manula.com on: 2015/03/10 14:05:04 Page 39 of 41

42 2014 Fall Release Generated by Manula.com on: 2015/03/10 14:05:04 Page 40 of 41

43 2015 Winter Release Generated by Manula.com on: 2015/03/10 14:05:04 Page 41 of 41

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