Core Solutions

The challenge

More than ever, financial service providers and insurance companies need to manage their loans efficiently and fulfill the increasing regulatory requirements.

The risk assessment and valuation of loans and associated collateral is becoming increasingly important.

CML is closely linked to other SAP modules, in particular SAP GP, SAP FI, SAP CMS and SAP TRM.

The challenge

Under S/4HANA, the integrated object and collateral management of SAP CML is no longer available. Instead, with the Collateral Management System (CMS), SAP offers a solution that comprehensively fulfils the requirements of modern collateral management. This allows large quantities of collateral objects and receivables agreements to be displayed and managed. With the help of detailed information, all regulatory requirements can be easily met and forwarded to the relevant systems. Clients can customize the entire collateral management process to their own requirements.

With the implementation of SAP CMS, a complete migration of data to CMS is mandatory. In addition to CML, other sources are also possible.

ponturo provides support with the implementation and the transfer of legacy data from the previous systems.

The challenge

More than ever, financial service providers and insurance companies need to be able to react quickly and efficiently to the continuous changes in legal and procedural requirements. Properly set up and managed, the FAM subledger can become a reliable source of accounting and regulatory information flows across different accounting standards (e.g. HGB, IFRS9) thanks to its fine granularity.

The challenge

Companies are increasingly under pressure to act faster, more transparently and with more data support. SAP S/4HANA Finance was developed precisely to meet these challenges: It combines centralised management and accounting processes in a modern system landscape – with one goal: a reliable, standardized view of all financially relevant information.

For many companies, the switch to SAP S/4HANA is no longer a question of "if", but of "how".

The challenge

The implementation of technical specifications for management accounting requires a high degree of synchronization between various areas. In particular, the connection of accounting and controlling through a consistent database in conjunction with efficient, integrated performance management is a growing priority for banks and insurance companies.

SAP Profitability and Performance Management (PaPM) is a functionally powerful and innovative solution for both classic controlling tasks and various analytical processes. SAP PaPM is very flexible in terms of data access, functionalities and methods for carrying out precise analyses of results. As a HANA-based application, it can be integrated into existing SAP architectures with high performance and ease. Interaction with non-SAP data warehouses is also easy to implement.

• PaPM - Amortised Cost - Fair Value - Rules and regulations
• PaPM Impairment sample content
• PaPM Contribution margin calculation
• PaPM individual calculations in the area of controlling/finance
• PaPM as an analysis tool (data enrichment, simulations)

The challenge

As processes within the finance and insurance industry become increasingly digitalized, the underlying systems and software components must also undergo a transformation in order to meet the diverse requirements from a market, customer and regulatory perspective. The replacement of outdated software releases, supported by modern system landscapes and architectures, plays a key role here. As a result, migration and replacement scenarios are becoming increasingly important. A switch to SAP S/4HANA landscapes is also necessary due to the discontinuation of maintenance for SAP ERP systems on 31 December 2025.