Enhance Your Core Solution ACBS For Commercial Lending
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1 Enhance Your Core Solution ACBS For Commercial Lending Gregg Cerniglia, Senior Vice President, ACBS Global Sales Susan Pero, Vice President, ACBS Global Sales Support
2 ACBS: End-to-End Commercial Credit Management
3 ACBS: Aligning the Front, Middle and Back Offices Lend and Hold and Lend and Distribute Origination Servicing Business Intelligence Syndication & Web Publishing Loan Trading ACBS Origination, Servicing and Business Intelligence Deal servicing from corporate to middle market to small business; 53 customers worldwide SyndTrak Leading loan sales system with 50+ clients worldwide SyndTrak Online Web based deal document distribution integrated with SyndTrak and used by 25+ clients worldwide LoanTrak Leading loan trading front end with 30 customers across 40+ desks; 13 in Europe across 20 desks; integrated with ACBS servicing 3
4 ACBS Origination Deal Set Up Customers / prospects Contacts Call Reports Document repository Work in process environment Pipeline reporting via DataMart integration Set-up of deal / facility terms and conditions prior to effective date Deal Manager / workflow Standard Deal and Product Templates with copy options Integration with Microsoft On-line approval into ACBS Servicing Departments: Front, Middle and Back Office 4
5 ACBS Servicing Facility and Loan Servicing Servicing and administration for multi-investor, multi-product, and multi-entity facilities Bilaterals, Participation, Syndications Workflow and approvals for: Draw downs Rollovers and rate fixings Auto-generated events and diary Notifications and confirmations Flexible functionality Multiple Fee Types Multiple Accrual Types PIK Interest; Skims; SWAPS Collateral tracking Covenant compliance Guarantees Mark-to-market controls Grid Pricing matrix Departments Middle to Back Office Inquiry for account officers 5
6 ACBS Business Intelligence Portfolio Reporting, Analytics, Decision Support Real Time Reporting and Analytics Portfolios views on: Risk Profitability Exposure Transactions Slice and dice by: Location Industry Business Unit Product Officers Currency Live and pipeline data Key Performance Indicators Over 5000 data elements Departments Administration and operations Portfolio managers Account officers Executive management 6
7 Typical Lending Products Booked on ACBS Syndications Bilateral / Direct Participations Term Loans Revolvers Real Estate Letters of Credit Bankers Acceptances Asset-based Lending Interest Rate Swaps Structured Finance Commercial Mortgages Export Credits Guarantees Small Business Discounted Loans Healthcare Bonds Multi-currency Equity Investments Facilities and Loans Processed Daily 1,000,000+ accounts by licensed clients 200,000+ accounts for ASP clients 7
8 ACBS Clients
9 54 ACBS Clients (16 on ASP) Origination, Servicing and Business Intelligence Global 300 ABN AMRO Bank Hapoalim Bank of America Bank of Ireland Barclays Bank CIBC Commerzbank (Dresdner) Crédit Agricole HypoVereinsbank JP Morgan Chase Lloyds Banking Group Mitsubishi UFJ Financial Mizuho Natixis NIB Capital National Bank of Canada Rabobank Europe Royal Bank of Canada Royal Bank of Scotland Santander Scotiabank Standard Bank Standard Chartered Bank US Regional BOK Financial BB&T Capital One Bank Emigrant Fifth Third Bancorp PNC (NCC) The PrivateBank Regions Bank Square 1 Bank TD Bank Webster Financial Non-Banks & BDC s Allied Capital GE Capital Global MCG Capital MidCap Financial NXT Capital Patriarch Partners Private Bank / Custody Brown Brothers NM Rothchilds State Street Agricultural AgFirst CoBank Rabobank Government / Export Finance Asian Development Bank Export Development Canada Export Credits Guarantee Dept. U.K. FMO Swedish Export Credit (SEK) World Bank IFC ASP Clients Real Estate Eurohypo Europe Eurohypo New York Hypo Real Estate 9
10 Diverse Client Base Origination, Servicing or DataMart SyndTrak or LoanTrak SyndTrak Online 10
11 ACBS Integration to FIS Core Solutions
12 ACBS Integration FIS Core Platforms Systematics & TouchPoint Platform Integration RM FMS DDA FIS IBS Platform Integration TouchPoint IMPACS CIF DDA / Sweep G/L ACH Internet Banking CIS G/L BankServ Prime HORIZON Platform Integration 12 12
13 ACBS Demonstration
14 Complex Commitment Structures Multiple Sub Commitments Multiple Tranches Grid Pricing LIBOR Rollovers Multiple Instruments attached to the same Commitment (Loans, Letters of Credit, Bankers Acceptances) Multiple Currencies Multiple Borrowers under a single Commitment Ability to capture detailed information at both Commitment and Loan level: Collateral Documents Guarantees Insurance Documents UCC Filings 14
15 Sample Deal Structure Commitment Fee $25,000,000 USD Commitment $5,000,000 Letter of Credit Sub Commitment $25,000,000 Loan Sub Commitment LC LC Prime Loan LIBOR Loan LIBOR Loan 15
16 Sophisticated Fee Calculations Fees can be calculated at both Commitment and Loan levels Unused Commitment Fees Fees calculated against Tiered or Split balances Fixed fees can be amortized over the life of the Commitment or Loan Fees calculated in multiple currencies Fixed Fees Accruing Fees Event Based Fees Float Fees Assignment Fees 16
17 Detailed Collateral Functionality Asset Based Lending: Calculated of Availability based on Collateral Pledged Capture Collateral Pledged, Ineligibles, Reserves, Aging, and Debtors Float Fees Marketable Securities: Automated Repricing Commercial Real Estate: Property Information Appraisals Tenants Insurance Taxes Escrow 17
18 Syndications and Participations Ability to Lead a Deal Record Participations Sold at any point over the life of the deal Automatic Spreading to Syndicate Member and Participant Shares Online History for Syndicate Members and Participants Track Agent Bank for Participations Purchased Assignment Manager Commitment Reallocation Automate Notifications for Syndicate Members and Participants 18
19 Thank You
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