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SAP Banking Loan Management- FS 210

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Jeetendra Tyagi
Jeetendra Tyagi

This document provides an overview of SAP's Loans Management module for financial services: - It describes the contents, objectives, and main business scenario of a training course on Loans Management. - The course covers topics like the loan process in Loans Management, position management, cash flow disturbances, and customizing. - It provides information on the structure and main functions of Loans Management and its integration with other SAP modules like Financial Accounting.

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InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
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InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly ) …… ) SAP, R/3, mySAP, mySAP.com, xApps, xApp, SAP NetWeaver and other SAP products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of SAP AG in Germany and in several other countries all over the world. All other product and service names mentioned are the trademarks of their respective companies. Data contained in this document serves informational purposes only. National product specifications may vary. ) The information in this document is proprietary to SAP. No part of this document may be reproduced, copied, or transmitted in any form or for any purpose without the express prior written permission of SAP AG. ) This document is a preliminary version and not subject to your license agreement or any other agreement with SAP. This document contains only intended strategies, developments, and functionalities of the SAP® product and is not intended to be binding upon SAP to any particular course of business, product strategy, and/or development. Please note that this document is subject to change and may be changed by SAP at any time without notice. ) SAP assumes no responsibility for errors or omissions in this document. SAP does not warrant the accuracy or completeness of the information, text, graphics, links, or other items contained within this material. This document is provided without a warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non- infringement. ) SAP shall have no liability for damages of any kind including without limitation direct, special, indirect, or consequential damages that may result from the use of these materials. This limitation shall not apply in cases of intent or gross negligence. ) The statutory liability for personal injury and defective products is not affected. SAP has no control over the information that you may access through the use of hot links contained in these materials and does not endorse your use of third-party Web pages nor provide any warranty whatsoever relating to third-party Web pages. Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 6$3 IRU %DQNLQJ 7UDQVDFWLRQDO %DQNLQJ 0¢13244 5%6879@BA Overview of SAP for Banking 0C132CD©4 EGF3HICA Loans Management for Financial Services 0C1322E PQF8HIA Collateral Management 0¢1$2CP4 EGF(HI¢A SAP Deposits (BCA) # Current accounts, Savings accounts and time deposit accounts Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 6$3 IRU %DQNLQJ $QDOWLFDO %DQNLQJ 0¢13244 5%6879@BA Overview of SAP for Banking 0132R4 PQF8HICA Financial Data Base 0¢1$2CRCD 5%F(HI¢A SAP Accounting for Financial Instruments 0¢13S3TUD4 2VF8HIA Bank Analyzer # Use of Basel II Analyzer 0C18S3TW4E 2VF8H©IA Fundamentals of Banking Management 0C1XS3TW24 P%F(HIA Bank Analyzer # Customizing of Basel II Analyzer Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
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InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 RXUVH 2EMHFWLYHV $IWHU FRPSOHWLQJ WKLV FRXUVH RX ZLOO EH DEOH WR „ 5HSURGXFH DQG PDS WKH FRPSOHWH ORDQ SURFHVV LQ /RDQV 0DQDJHPHQW DQG PDNH WKH UHVSHFWLYH VVWHP FRQILJXUDWLRQV „ 8VH PRUWJDJH ORDQV DQG VSHFLDO FDVHV DQG RSWLRQV IRU DGPLQLVWUDWLQJ RWKHU ORDQ WSHV VXFK DV FRQVXPHU ORDQV „ 8VH FRQWUDFW DFTXLVLWLRQ DQG SURFHVV FROODWHUDO EHORQJLQJ WR ORDQV „ RQWURO FDVK IORZ GLVWXUEDQFHV RFFXUULQJ LQ WKH OLIHFFOH RI D ORDQ DQG „ 8VH WKH EDVLF IXQFWLRQV IRU $FFRXQWLQJ DQG 3RVLWLRQ PDQDJHPHQW Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 Unit 1 /RDQV 0DQDJHPHQW 2YHUYLHZ Unit 2 1HZ %XVLQHVV Unit 3 3RVLWLRQ 0DQDJHPHQW Unit 4 DVK )ORZ 'LVWXUEDQFHV Unit 5 XVWRPL]LQJ ,QWURGXFWLRQ RXUVH RQWHQW Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
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supports the bank’s profitability analysis. It carries out calculations for individual transactions based on the mark-to-market value using market rate pricing for transfer pricing or NPV. Expenses and revenue are assigned to individual transactions and positions based on cause so that banks can determine the costs for products, customers or profit center. • 6$3 UHGLW 5LVN /LPLW 6VWHP IRU %DQNLQJ 6(05/
supports banks when controlling default risks with flexible limit structures that can be updated online. It integrates numerous risk calculation systems in the limit system and forms an active limit management process. • 6$3 $VVHW /LDELOLW 0DQDJHPHQW IRU %DQNLQJ 6(0$/0
supports banks when assessing business opportunities against the related expenses and risks. Using ALM functions, you can analyze the effects of interest rate and exchange rate risks and control the revenue for each fiscal period. • 6$3 0DUNHW 5LVN IRU %DQNLQJ 6(005
provides NPV and value-at-risk analyses that banks use to evaluate and control market risks based on different simulation scenarios. You can use interest rate, volatility and currency factors for grid scenarios for option price risks. The market risk solution offers support for the capital adequacy directive.
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InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-7 © SAP AG 2006 6$3 %XVLQHVV 3DUWQHU 2YHUYLHZ :LWK WKH 6$3 %XVLQHVV 3DUWQHU FRPSRQHQW RX FDQ FHQWUDOO FUHDWH DQG PDQDJH EXVLQHVV SDUWQHUV UHJDUGOHVV RI WKH VFRSH WSH DQG PHWKRG RI FRQWDFW )XQFWLRQVRI6$3%XVLQHVV3DUWQHU 0RUW JDJH /RDQV /0 0RUWJDJH /RDQ 0 $FFRXQW $0 ,QVXUDQFH Policy  ¢¡¤£¥¡§¦ ¨¤¡¤© ¦ ©§!§#©¤¡§$%¡¤  '¡(£)01§¡(22$0#43§¤3¡ 5© 6£)07#(£8¢9(¡71©(¤@BAC5 £7D  E¡7£¥¡¦ ¨¤¡)©6£)$$F¦ ©¤©¦ G10 H#§73¦ 32¦ (©§!47£)¡297 ¦£ )I ¡¥#£D ), PRQ 5© 6£(!(©)H0$¡7E¦ F(£)£)B!§¤S¦ 73 6$3 %XVLQHVV 3DUWQHU T¢¡¤¡9¤©F£(U(¡(£V¤¦ 3¤£(£)B!§¤ W 7KH 6$3 %XVLQHVV 3DUWQHU $SSOLFDWLRQ • 6$3 %XVLQHVV 3DUWQHU is the central component for entering and managing general and business- specific partner data. W 'HSORPHQW 2SWLRQV • SAP Business Partner enables you to create and manage business partners centrally. This is particularly useful when a partner plays several different roles for a company (such as borrower and account holder). • SAP Business Partner is designed to give users practical advantages, such as minimized data redundancy and improved data integrity. It also places a stronger focus on managing customer relationships and new customer acquisitions. W 6FRSH RI )XQFWLRQ • You can create a business partner with different business partner roles and assign new roles in the course of the business relationship. When you do so, you do not need to re-enter data each time, which eliminates redundant data entry and data maintenence as well as the risk of inconsistencies. • With SAP Business Partner you can bring together partner data that may be distributed out over several systems and identify potential customers for new contracts from within your existing customer base. • When you enter data, the component seamlessly integrates central data in SAP Business Partner and application-specific data on one processing screen. • You can also integrate customer-specific data without making modifications, regardless of release changes.
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-8 © SAP AG 2006 6$3 %XVLQHVV 3DUWQHU %XVLQHVV 3DUWQHU DWHJRULHV 2UJDQL]DWLRQ $ EXVLQHVV SDUWQHU LV D QDWXUDO SHUVRQ RU OHJDO HQWLW ZLWK ZKRP RX FDQ PDLQWDLQ D JUHDW YDULHW RI EXVLQHVV UHODWLRQVKLSV 7KHUH DUH WKUHH GLIIHUHQW EXVLQHVV SDUWQHU FDWHJRULHV *URXS )XQFWLRQVRI6$3%XVLQHVV3DUWQHU 3HUVRQ W %XVLQHVV 3DUWQHU DWHJRU • You can choose from the following business partner categories: - 3HUVRQ: A natural person (such as an individual, realtor, or employee) - 2UJDQL]DWLRQ: A legal entity or part of a legal entity (such as a company, association, institution, or department) - *URXS: A group comprised of several persons and/or organizations (such as a married couple, community of heirs, or corporate group) • For each business category there are specific data fields available for you to choose from: - 3HUVRQ Title, First Name, Last Name, Birth Date, additional name components (such as Name affix, Name supplement and Academic titles), gender, etc. - 2UJDQL]DWLRQ Title, Name, Legal form, Industry, Legal entity, etc. - *URXSV Title, 2 name fields, Partner group categories (marriage, shared apartment), etc. • You cannot create any other business partner categories. • Nor can you make subsequent changes to a business partner category.
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-9 © SAP AG 2006 6$3 %XVLQHVV 3DUWQHU %XVLQHVV 3DUWQHU 5ROHV $ EXVLQHVV SDUWQHU UROH FODVVLILHV D EXVLQHVV SDUWQHU DFFRUGLQJ WR EXVLQHVV FULWHULD $ EXVLQHVV SDUWQHU FDQ WDNH RQ VHYHUDO UROHV 3URVSHFW (PSORHH %RUURZHU $OWHUQDWLYH 3DHU ,QVXUHG 3HUVRQ X08I7©%2¦Y¤©¤` $ 6¡¤G10 74U7¡E70H4(ab¡ 5© ¡§$F9§ §I(¡¤c¤I%4U¡F(§§V 5© ¦ )©!§#¡7d¤IF£(#¡(¦ B ¦G 1¡ ¦ (©!§#§£)¡F9§1¨§¦ ¡ %DQN 5 e0!§¦ #¡727!¤3¡)`H¦Y73F2 f ¦3 (¡¤6 §F£)B¤S#¤£¥ )XQFWLRQVRI6$3%XVLQHVV3DUWQHU %3 /LVD 0LOOHU W 5ROH DWHJRULHV IRU %XVLQHVV 3DUWQHUV • The system has fixed, predefined role categories for business partners. These role categories also appear in other closely related SAP modules (such as /RDQV 0DQDJHPHQW Ö 75 Main Loan Partner). • The ILUVW business partner on the contract always has the role Main Loan Partner. • General Business Partner is the default BP role category. W %XVLQHVV 3DUWQHU 5ROH • You can also assign each BP role category with as many custom BP roles as you like (such as 75 Main Loan Partner Ö 0% Main Borrower). • Regardless of whether you do that or not, you only need to create central data like Name, Address and Bank Details once. • You can make business partner roles valid for a limited time. • If you set Customizing accordingly, a business partner role will control: - All available entry screens and data fields as well as field controls (optional fields, required fields, display fields) - All possible transfers to other business partner roles (Prospect Ö Borrower) - If necessary, you can set business partner roles to exclude one another.
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0DLQ %RUURZHU W %XVLQHVV 3DUWQHU 9LHZV • Different information is required depending on each BP role and its related business context. • Different views are available in BP to meet this need. • Each of these views is connected to the BP role category or BP role you requested. • A view includes the dialog control and its scope in transaction %3 and contains information about - The tab pages you need to provide (such as Address, Address Overview, etc.) - Areas provided on the tab pages (such as name, address, contact information on the address tab page) - The field control on the tab pages (for example, certain fields are required and have mandatory entries, other fields have optional entries, a few fields are only for display and locked, some fields are not needed so they are hidden) - Other dialog areas with other tab pages (such as data that depend on the company code with information about the customer and dunning) • In addition, the display and field control of %3 transaction depends on the BP category (person, organization, group). Each BP category is connected to a number of preassignments or dropdown boxes (such as Mr and Mrs for persons but not for organizations, etc.).
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-12 © SAP AG 2006 6$3 %XVLQHVV 3DUWQHU %XVLQHVV 3DUWQHU (QWULHV „†… ‡)ˆ‚‰Y7‘u’”“)•v‡E–§—™˜Ed¥eee(ef(g0hb–‰`“6iu7…Y—kjl–§•m•n–Bo%“)• Relationships Account Management Payment Transactions Correspondence Insurance Reporting data Address Address Overview Identification Control Payment Transactions Status ... 7UDQVDFWLRQ %3 General Data Company CodePerson Organization Group Main Loan Partner 100002Business Partner Create in BP role pp Lisa Miller Name Known As Lisa Lena LydiaFirst name Last name Miller Lisa Ms.Title Academic Title 1/2 Name at Birth Dietrich Prof. Language English Salutation EN Overview Is Married To (1) Is Contact Person For Is Shareholder Of ... )XQFWLRQVRI6$3%XVLQHVV3DUWQHU UHDWH D EXVLQHVV SDUWQHU XVLQJ RQH RI WKHVH EXVLQHVV SDUWQHU FDWHJRULHV 'LIIHUHQW QDPH ILHOGV IRU HDFK EXVLQHVV SDUWQHU FDWHJRU 'LIIHUHQW WDE SDJHV IRU HDFK EXVLQHVV SDUWQHU UROH 'LIIHUHQW WDEV IRU HDFK VXEMHFW DUHD 2QH WDE SDJH IRU HDFK UHODWLRQVKLS WSH RPSUHKHQVLYH LQIRUPDWLRQ RQ WKH DIILOLDWHG FXVWRPHU W +HDGHU 'DWD • UHDWH LQ %3 UROH: Displays valid business partners and assigns additional business partner roles • 5ROH 'HWDLO: Access to Change History, Where-Used List, validity of business partner roles W 6WUXFWXUH 2SWLRQV IRU WKLV 7UDQVDFWLRQ • You can use the %usiness 'ata 7oolset (BDT) to adjust the transaction to your individual needs. - The BDT is a programming tool for maintaining master data and simple transaction data, enhancing different dialog areas (screen layout, screen sequence, program logic, menu, field modification) without modifying them, and developing alternative user interfaces. - You can use Customizing to adjust the settings for each business partner category and business partner role. These settings determine the scope of tabs, tab pages and data fields, as well as defining preassignments and field controls (required field, optional field, display field) for data fields. • You can also use the (asy (nhancement :orkbench (EEW) to adjust the transaction to your individual needs. - The EEW is a development tool in the form of a wizard that lets you easily enhance SAP applications. The workbench spares users further development work by automatically creating database tables, screen programs and application logic. It then automatically includes customer enhancements in the SAP standard system.
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-13 © SAP AG 2006 p •n“¤§q4“6’†“¤•v‡0–0—¢˜iu7…r—tsE–07—t’h•uq#—™“)•hhl–‰v“ General Data Company Code RelationshipsPerson Organization Group Main Loan Partner Business Partner Create in BP role Name Known As Lisa Lena LydiaFirst name Last name Miller Lisa Ms.Title Academic Title 1/2 Name at Birth Dietrich Professor Language English Salutation EN Address Address Overview Identification Control Payment Transactions Status ... 6$3 %XVLQHVV 3DUWQHU UHDWLQJ D %XVLQHVV 3DUWQHU 7UDQVDFWLRQ %3 n Select a business partner category o Select a business partner role p Fill in the tab pages q Save 1DYLJDWLRQ n Customer Number Customer Number ... Customer: General Data Customer: Tax Data FI Customer Assignment Create Customer n n p o q p W UHDWLQJ DQ 6$3 %XVLQHVV 3DUWQHU • Assuming Customizing is set accordingly, you can begin creating a customer while creating a business partner in the %3 transaction by setting the UHDWH XVWRPHU indicator. However, after that you must manually complete the fields that are required to create a customer. • If you create an SAP business partner from inside a loan, the program always creates the customer automatically and includes all available preassignments.
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)XQFWLRQVRI6$3%XVLQHVV3DUWQHU wExFy0z§{ | }~€(x(} /RDQ ‚ #¡¤)#¡F¦ 40 ¡£))1¡¤300`I str€7¦ 2ƒ72X07`H¡1s ƒ§¦ §VHF £7!¤©)1$¡7E¦Y fB„ Xc…5 †E©(¡lG#07Yt(£)£70!§(H¦ 73 ¦© ¤©!(¡)©2‡r©!7£U6¥©2£¤ ¡ ¤£)S¦ 0 7!¤SU70H¦ ˆ¥¥S¦ 7‰ †¢©¤¡lG1007Y¥£)07H#(£8v!( ¦© )©!¤¡)©2‡Y©!£U)©2£¤0H#¡)©97¡7£¥¡(‰ ‚ #¡(¥`¡(2!(1$%(4¦ £)7 I ¦G B777 #¡)77Iu91¡¥©(¡( Š'‹tŒ z7Ž|( ¥‘t’“ BP 100002 Lisa Miller W 0DLQ /RDQ 3DUWQHU • To create a loan you PXVW already have a business partner with role category Business Partner (General). • The ILUVW business partner in the loan contract must have role category Main Loan Partner or one of its specific business partner roles (such as Main Borrower). • You can create role category Main Loan Partner outside of Loans Management using transaction %3. You have the choice of whether or not to also set up a customer at the same time. • You can also create the Main Loan Partner role category inside of Loans Management by leaving the contract creation process and going to transaction %3 . In this case the program automatically assigns the Main Loan Partner role category and automatically sets up a customer (assuming one is not already present). - DXWLRQ You must save the loan in order for the role category and customer to actually be created.
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-15 © SAP AG 2006 5ROH DWHJRULHV )RU %XVLQHVV 3DUWQHUV LQ /0 ,Q DGGLWLRQ WR 0DLQ /RDQ 3DUWQHU RX FDQ DVVLJQ D ORDQ ZLWK YDULRXV RWKHU EXVLQHVV SDUWQHUV DQG WKHLU YDULRXV UROH FDWHJRULHV /RDQ Main Loan Partner )XQFWLRQVRI6$3%XVLQHVV3DUWQHU Alternative Payer Clerk «««« W 2WKHU 5ROH DWHJRULHV LQ /RDQV 0DQDJHPHQW • TR0101 – Borrower – Other contract partners on the loan (such as a spouse) • TR0110 – Prospect – Customer that has inquired about a loan • TR0115 – Special Arrangement • TR0121 – Other Loan Partner (such as a comission recipient, etc.) • TR0150 – Issuer – Issuer of a borrower's note • TR0154 – Beneficiary – Recipient of a disbursement • TR0160 – Ultimate Borrower – Beneficiary on a loan contract who is not a Borrower or a Main Loan Partner • TR0200 – Guarantor • TR0202 – Alternative Payer – Person or institution that takes over payment installmentsTR0203 – Collector – Collection agency for nonperforming loans • TR0624 – Subsidizer (w.Cust.Acct) – Institution that takes over a portion of installment payments (such as social welfare office, bank for reconstruction, etc.) • TR0700 – Policyholder – Holds a credit life insurance policy and pays the premiums on it • TR0701 – Insurer – Insurance company • TR0702 – Person Insured – Person insured by a credit life insurance policy • …..
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-16 • … • TR0800 – Owner– Owner of a real estate object that is being used as collateral • TR0802 – Notary – The notary is responsible for the transfer of ownership of real estate • TR0810 – Land Registry – For the real estate object that is given as collateral (Caution: this roles uses the obsolete 5HDO (VWDWH%XVLQHVV 3DUWQHU) • TR0815 – Appraiser • TR0850 – Correspondence Partner Private • TR0860 – Correspondence Partner Business • TR0998 – Clerk (other clerk roles available for rollovers, contracts, etc.)
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InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-19 /RDQV ([HUFLVHV 8QLW 1HZ %XVLQHVV LQ /RDQV 0DQDJHPHQW /HVVRQ 6$3 %XVLQHVV 3DUWQHU After completing this exercise, you will be able to: • Create business partners in various roles • Create relationships between business partners Your company would like to enter into contracts with new business partners in the future. To do so, these business partners must be entered in the system. 1 Create a business partner as a natural person in the general business partner role (without reference to a loan contract). Enter the title, name, address and other characteristics for this fictitious person. 1-1 Check whether the “General Business Partner´ role is defined. 1-2 On the “Address” tab page, enter the following data: • Title • First and last names • Correspondence language: EN • Language: EN • Search term ½: FS210 / last name of your business partner (this will simplify the search for the business partner later). • Street and house number • Postal code and city • Country 1-3 On the “Identification” tab page, enter the following data: • Gender • Marital status • Nationality • Date of birth
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-20 1-4 On the “ Payment Transactions” tab page, enter the following data: • ID: 1 • Country : DE • Bank key: Æ Select using F4 help • Bank account (maximum of ten figures). • Check the box for “ Collection authorization” 1-5 Enter any additional data for the person. 1-6 Save the data for the business partner. 1-7 Note the business partner number for subsequent processing. 2 Create a business partner as an organization n in the general business partner role (without reference to a loan contract). Enter the form of address, name, address and other characteristics for a fictitious organization. 2-1 Check whether the “ General Business Partner” role is defined. 2-2 On the “ Address” tab page, enter the following data: • Title • Names • Search term ½: FS210 / company name (this will simplify the search for the business partner later). • Street and house number • Postal code and city • Country 2-3 On the “ Identification” tab page, enter the following data: • Legal form 2-4 On the “ Payment Transactions” tab page, enter the following data: • ID: 1 • Country : DE • Bank key: Æ Select using F4 help • Bank account (maximum of ten figures). 2-5 Enter any additional data for the organization. 2-6 Save the data for the organization.
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-21 3 Create a relationship between the natural person you created in 1 and the organization you created in 2. 3-1 Check whether the selected relationship category is suitable for the roles to be processed. 3-2 Save the relationship you have created.
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InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-23 6ROXWLRQV 8QLW 1HZ %XVLQHVV LQ /RDQV 0DQDJHPHQW /HVVRQ 6$3 %XVLQHVV 3DUWQHU After completing this exercise, you will be able to: • Create business partners in various roles • Create relationships between business partners 1 Create a business partner as a natural person in the general business partner role (without reference to a loan contract). Enter the title, name, address and other characteristics for this fictitious person. 1-1 Enter the business partner under o $FFRXQWLQJ o %DQN $SSOLFDWLRQV o %XVLQHVV 3DUWQHU o 0DLQWDLQ %XVLQHVV 3DUWQHU or using transaction %3 1-2 Choose the “ Person” button to create a person. 1-3 Check whether you are using the “ General Business Partner” role. 1-4 Make the entries (form of address, name and so on) and make sure to go through all tab pages specified. 1-5 To save your entries, choose “ Save” or press F9. Make a note of the business partner number.
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-24 2 Create a business partner as an organization n in the general business partner role (without reference to a loan contract). Enter the form of address, name, address and other characteristics for a fictitious organization. 2-1 Choose the “ Organization” button to create an organization. 2-2 Proceed as described in steps 1-3 through 1-6. 3 Create a relationship between the natural person you created in 1 and the organization you created in 2. 3-1 Select one of the business partners for whom you want to create relationship (one of the persons you created). 3-2 Choose the “ Relationships” button to create a relationship. 3-3 Under “ Relationship category´, select a relationship category suitable for the person and the organization (for example, for a person you created and an organization with the legal form GmbH, you could select the relationship category “ Is a shareholder of”). 3-4 In the “ Relationship to BP” field, enter the number of the business partner to whom you want to create the relationship. 3-5 Click ³UHDWH´ 3-6 Close the dialog box which is displayed next by clicking “ Continue” (green check). 3-7 To save your entries, choose “ Save” or press F9.
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InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-28 © SAP AG 2006 0RUWJDJH /RDQV 3URGXFW 7SHV 3UHGHILQHG E WKH VVWHP Ù XVWRPL]HG URVVFRPSDQ FRGHV Ù RPSDQ FRGHGHSHQGHQW DQQRW FKDQJH Ù RPSOHWHO FXVWRPL]DEOH 3URGXFW DWHJRULHV 3URGXFW 7SHV Q 3ULYDWH0RUWJDJH/RDQV 6SHFLDO2 IIHU à /DQGKDUJH/RDQV 6SHFLDO3URJUDPIRU +RPHEXLOGHUV 6SHFLDO 2IIHU Ä Å « ””•—Y˜`™ š¤›¥š)œ Æ)• ›(ž Ÿ ¡n¢n£ ¤¥H¦ Çu¢u§v¨H© ª ¢m¨v« ©v¬u­§®u¯ Çu¢u§v¨S© °)±7²(³(´ µ”²7³(²¤¶7·¤¸ ¹ ·(³(º » ®v¨S®S¯ §u£ Çv¢v§u¨S© ¼¢m¯ ¯¢ v¾)®v¯ ¿© ȁ¢SÀ ®Çu¢H§v¨v© Á¨ S©4À §H£ £­0®H¨SÀ Çu¢u§v¨H© É 3URGXFW 7SHV • You define and configure product types in Customizing. • They determine different settlement practices and structure characteristics for a product category. • You can select them in Reporting. • They are the basis for all available: - Loan statuses and status transfers - Dialog elements and their related field controls (tabs, tab pages, data fields, optional entries, required entries, etc.) - Conditions
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-29 © SAP AG 2006 0RUWJDJH /RDQV (DV $FFHVV New Business Interested Party Ê¢ËbÌCÍ‚Î(ÏÐ2Ë6Ñ7ѧҥÏÏ Application Contract Offer Contract Mortgage Loan Change Display Withdraw or Reduce Reactivate Disburse Create Change Decision-Making Decision Transfer to Offer Create Display Transfer to Contract UHDWH D FRQWUDFW LPPHGLDWHO DFFHVV H[LVWLQJ FRQWUDFWV FKDQJH DQG GLVEXUVH H[LVWLQJ FRQWUDFWV ZLWKGUDZ IURP DQG UHDFWLYDWH ORDQV WKDW KDYH QRW EHHQ GLVEXUVHG (QWHU VHYHUDO FRQWUDFW DOWHUQDWLYHV IRU WKH FXVWRPHU WR GHFLGH IURP 2YHUYLHZ RI SRVVLEOH HQWULHV IRU D PRUWJDJH ORDQ ZLWK WKH IROORZLQJ VWUXFWXUH *LYHQ Ó 7DNHQ Ö 3URGXFW 7SH Ö RPSDQ RGH Ö 6WDWXV 7H[W (QWHU SRWHQWLDO ERUURZHUV DQG WKHLU ORDQ UHTXHVWV IRU UHYLHZ (QWHU FRQFUHWH LQTXLULHV IURP LQWHUHVWHG SDUWLHV LQ UHIHUHQFH WR WKH VWUXFWXUH RI FRQWUDFWV DQG FRQGLWLRQV UHGLW VWDQGLQJ FDOFXODWLRQ DQG FROODWHUDO YDOXH FDOFXODWLRQ KHOS RX UHDFK D GHFLVLRQ RQO ZKHQ 0 LV QRW DFWLYDWHG
Create mortgage loan: Overview
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-30 © SAP AG 2006 0RUWJDJH /RDQV 6WDWXV 0DQDJHPHQW 2IIHU2IIHU ÔEÕ¥Ö(×(ØFÙ1Ú Ø§Õ¥Ù`Õ§Û7Õ)Ü¤× ÔE×Ý(Õ7Þ1Õ¥Ù`×2Ø7Õ¤Ù`Õ ß Õ7à§Õ¤á§× ß ×à¤Ù RQWUDFW â†ã¢ä7åvæSç§è¤å ç§èè(éBêå#çBäè(é 3ODQ FRPSOHWHG ë0ì êíYæ4îdãï èã¢ä7åvæSç§è¤å $SSOLFDWLRQ ð éçè(åuí ñ§ç7åHéFéä§åvæ4î ò éó é7å4éué0ä§åSæ4î 2IIHUV
ô æ4çEä(õï1éæ åHãtã0ï`ïHéæ $FWXDO FRPSOHWHG ,QTXLU ð éç§è¤åuí ñç7å4é ö íå u÷ø'æSç¤ù ã'æ‚æHé7ø™ú§è7é ûüý þÿ   ¡ü ¢£ ¤£ þ¢ üý ¤¢ ð éç§è¤åuí ñç7å4é ö íå u÷ø'æSç¤ù ã'æ‚æHé7ø™ú§è7é ð éç§è¤åuí ñç7å4é ö íå u÷ø'æSç¤ù ã'æ‚æHé7ø™ú§è7é $SSOLFDWLRQ FRPSOHWHG $SSOLFDWLRQ FRPSOHWHG RQWUDFW FRPSOHWHG 'HOHWHG ÔEÕ8Ö(×(ØFÙ1Ú ØÕ¥Ù1Õ7ÛÕ¥Ü¤× ÔEÕ¥Ö(×(ØFÙ1Ú Ø§Õ¥Ù`Õ§Û7Õ)Ü¤× 0DSSLQJ WKH 3URFHVVLQJ 6WDWXV ZLWK D 6WDWXV 6VWHP É RQWHQWV RI 6WDWXV 0DQDJHPHQW • You can define statuses to correspond to each product type, so that you have an exact map of the processing statuses for all your loan business. • Which statuses a loan can or must go through depends on how you set 'HILQH VWDWXV SHU SURGXFW WSH and status transfers (in Customizing). • If the 'HFLVLRQ0DNLQJ function is set to active, you can check mortgage applications regarding the collateral value of an object and the credit standing of a partner and use that information to create offers and contracts. • The status concept does not include inquiries. Inquiries involve separate administration of loan- interested parties, where general information (such as required capital) is entered about potential customers and contracts. É 3RVVLEOH 6WDWXVHV ,QFOXGH • $SSOLFDWLRQ: Can by transferred to offer or contract. • $SSOLFDWLRQ FRPSOHWHG: Intermediate status following withdrawal from application, can be reactivated. • 2IIHU: Several offers possible, a contract results from accepting one of these offers. • 2IIHU FRPSOHWHG: Intermediate status following withdrawal from offer, can be reactivated. • RQWUDFW: Legally binding loan transaction, generates planned records, can be disbursed in part or in full. • RQWUDFW FRPSOHWHG: Intermediate status following withdrawal from contract, can be reactivated. • 3ODQ FRPSOHWHG: Limited functional scope (reversal), can be reactivated. • $FWXDO RPSOHWHG: Preliminary step before master data is archived, cannot implement further processing activities, cannot be reset to an earlier status.
InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-31 © SAP AG 2006 0RUWJDJH /RDQV 6WDWXV 7UDQVIHUV 'LIIHUHQW :DV RI $FTXLULQJ D RQWUDFW RQWUDFW$SSOLFDWLRQ 2IIHU 'HFLVLRQ 0DNLQJn RQWUDFW2IIHUq RQWUDFW$SSOLFDWLRQp RQWUDFWo 2IIHU$SSOLFDWLRQ RQWUDFWr É 6WDWXV 7UDQVIHUV • By defining status transfers you can easily adjust processing steps for loan transactions to conform to company-specific work processes. • Which statuses a loan can or must go through depends on how you set 'HILQH VWDWXV SHU SURGXFW WSH and status transfers (in Customizing). • Once you have entered a contract and posted the disbursement, the system creates a corresponding loan position in the balance sheet. A disbursement can only take place when the loan has RQWUDFW status. É 6SHFLDO )HDWXUHV • You always have the option of entering a contract immediately (Way 5 Ö always). • If you allow offers to be a status, you can always proceed to a contract by way of an offer (Way 4 Ö always). • Decision-Making is a special form of application processing for mortgage banking. You can only use it if you are not using ROODWHUDO 0DQDJHPHQW. - If Decision-Making is activated in Customizing, you PXVW continue to process a loan that has $SSOLFDWLRQ status using this function (Way 1 Ö required, Ways 2 and 3 Ö excluded). - If Decision-Making is not activated in Customizing, you FDQ use it (Ways 1, 2 and 3 Ö possible).
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SAP Banking Loan Management- FS 210

  • 1. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 )6 /RDQV 0DQDJHPHQW IRU )LQDQFLDO 6HUYLFHV  ¢¡¤£¦¥§£©¨  §¥§¨ !¤£©¨¨ £¨#§$%¨(' © SAP AG 2006 )6 /RDQV 0DQDJHPHQW IRU )LQDQFLDO 6HUYLFHV ) SAP for Industries ) SAP for Banking ) 2006/Q2 ) Material Number 50079926 Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
  • 2. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
  • 3. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 RSULJKW RSULJKW 6$3 $* $OO ULJKWV UHVHUYHG 1R SDUW RI WKLV SXEOLFDWLRQ PD EH UHSURGXFHG RU WUDQVPLWWHG LQ DQ IRUP RU IRU DQ SXUSRVH ZLWKRXW WKH H[SUHVV SHUPLVVLRQ RI 6$3 $* 7KH LQIRUPDWLRQ FRQWDLQHG KHUHLQ PD EH FKDQJHG ZLWKRXW SULRU QRWLFH ) Some software products marketed by SAP AG and its distributors contain proprietary software components of other software vendors. ) Microsoft, Windows, Outlook, and PowerPoint are registered trademarks of Microsoft Corporation. ) IBM, DB2, DB2 Universal Database, OS/2, Parallel Sysplex, MVS/ESA, AIX, S/390, AS/400, OS/390, OS/400, iSeries, pSeries, xSeries, zSeries, z/OS, AFP, Intelligent Miner, WebSphere, Netfinity, Tivoli, and Informix are trademarks or registered trademarks of IBM Corporation in the United States and/or other countries. ) Oracle is a registered trademark of Oracle Corporation. ) UNIX, X/Open, OSF/1, and Motif are registered trademarks of the Open Group. ) Citrix, ICA, Program Neighborhood, MetaFrame, WinFrame, VideoFrame, and MultiWin are trademarks or registered trademarks of Citrix Systems, Inc. ) HTML, XML, XHTML and W3C are trademarks or registered trademarks of W3C®, World Wide Web Consortium, Massachusetts Institute of Technology. ) Java is a registered trademark of Sun Microsystems, Inc. ) JavaScript is a registered trademark of Sun Microsystems, Inc., used under license for technology invented and implemented by Netscape. ) MaxDB is a trademark of MySQL AB, Sweden. Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
  • 4. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly ) …… ) SAP, R/3, mySAP, mySAP.com, xApps, xApp, SAP NetWeaver and other SAP products and services mentioned herein as well as their respective logos are trademarks or registered trademarks of SAP AG in Germany and in several other countries all over the world. All other product and service names mentioned are the trademarks of their respective companies. Data contained in this document serves informational purposes only. National product specifications may vary. ) The information in this document is proprietary to SAP. No part of this document may be reproduced, copied, or transmitted in any form or for any purpose without the express prior written permission of SAP AG. ) This document is a preliminary version and not subject to your license agreement or any other agreement with SAP. This document contains only intended strategies, developments, and functionalities of the SAP® product and is not intended to be binding upon SAP to any particular course of business, product strategy, and/or development. Please note that this document is subject to change and may be changed by SAP at any time without notice. ) SAP assumes no responsibility for errors or omissions in this document. SAP does not warrant the accuracy or completeness of the information, text, graphics, links, or other items contained within this material. This document is provided without a warranty of any kind, either express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, or non- infringement. ) SAP shall have no liability for damages of any kind including without limitation direct, special, indirect, or consequential damages that may result from the use of these materials. This limitation shall not apply in cases of intent or gross negligence. ) The statutory liability for personal injury and defective products is not affected. SAP has no control over the information that you may access through the use of hot links contained in these materials and does not endorse your use of third-party Web pages nor provide any warranty whatsoever relating to third-party Web pages. Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
  • 5. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 6$3 IRU %DQNLQJ 7UDQVDFWLRQDO %DQNLQJ 0¢13244 5%6879@BA Overview of SAP for Banking 0C132CD©4 EGF3HICA Loans Management for Financial Services 0C1322E PQF8HIA Collateral Management 0¢1$2CP4 EGF(HI¢A SAP Deposits (BCA) # Current accounts, Savings accounts and time deposit accounts Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
  • 6. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 6$3 IRU %DQNLQJ $QDOWLFDO %DQNLQJ 0¢13244 5%6879@BA Overview of SAP for Banking 0132R4 PQF8HICA Financial Data Base 0¢1$2CRCD 5%F(HI¢A SAP Accounting for Financial Instruments 0¢13S3TUD4 2VF8HIA Bank Analyzer # Use of Basel II Analyzer 0C18S3TW4E 2VF8H©IA Fundamentals of Banking Management 0C1XS3TW24 P%F(HIA Bank Analyzer # Customizing of Basel II Analyzer Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
  • 7. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 5HTXLUHG .QRZOHGJH „ )6 2YHUYLHZ RI 6$3 IRU %DQNLQJ „ $ %XVLQHVV 3URFHVVHV LQ )LQDQFLDO $FFRXQWLQJ 5HFRPPHQGHG .QRZOHGJH „ $ $FFRXQWLQJ XVWRPL]LQJ , *HQHUDO OHGJHU XVWRPHUV 9HQGRUV RXUVH 3UHUHTXLVLWHV Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
  • 8. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 7KLV FRXUVH LV LQWHQGHG IRU WKH IROORZLQJ WDUJHW JURXS „ 3URMHFW PDQDJHUV „ 5HVSRQVLEOH PHPEHUV RI D SURMHFW WHDP 'XUDWLRQ GDV 7DUJHW *URXS ) 8VHU 1RWHV ) The training materials are QRW WHDFKRXUVHOI SURJUDPV. They FRPSOHPHQW WKH FRXUVH LQVWUXFWRU V H[SODQDWLRQV EXW GR QRW FRQVWLWXWH FRPSOHWH FRXUVH GRFXPHQWDWLRQ LQ WKHPVOHYHV. Space is provided on the course materials for you to note down additional information. ) There may not be sufficient time during the course to complete all the exercises. The exercises provide additional examples that are covered during the course. You can also work through these examples on your own time to increase your understanding of the topics. Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
  • 9. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 RXUVH 2EMHFWLYHV $IWHU FRPSOHWLQJ WKLV FRXUVH RX ZLOO EH DEOH WR „ 5HSURGXFH DQG PDS WKH FRPSOHWH ORDQ SURFHVV LQ /RDQV 0DQDJHPHQW DQG PDNH WKH UHVSHFWLYH VVWHP FRQILJXUDWLRQV „ 8VH PRUWJDJH ORDQV DQG VSHFLDO FDVHV DQG RSWLRQV IRU DGPLQLVWUDWLQJ RWKHU ORDQ WSHV VXFK DV FRQVXPHU ORDQV „ 8VH FRQWUDFW DFTXLVLWLRQ DQG SURFHVV FROODWHUDO EHORQJLQJ WR ORDQV „ RQWURO FDVK IORZ GLVWXUEDQFHV RFFXUULQJ LQ WKH OLIHFFOH RI D ORDQ DQG „ 8VH WKH EDVLF IXQFWLRQV IRU $FFRXQWLQJ DQG 3RVLWLRQ PDQDJHPHQW Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
  • 10. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 Unit 1 /RDQV 0DQDJHPHQW 2YHUYLHZ Unit 2 1HZ %XVLQHVV Unit 3 3RVLWLRQ 0DQDJHPHQW Unit 4 DVK )ORZ 'LVWXUEDQFHV Unit 5 XVWRPL]LQJ ,QWURGXFWLRQ RXUVH RQWHQW Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
  • 11. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 RXUVH 2YHUYLHZ 'LDJUDP RXUVH 2YHUYLHZ 2YHUYLHZ RI /RDQV 0DQDJHPHQW 1HZ %XVLQHVV 3RVLWLRQ 0DQDJHPHQW DVK )ORZ 'LVWXUEDQFHV XVWRPL]LQJ ) RXUVH RQWHQWV • Overview of the functions and contents of Loans Management and related systems • Introduction to Financial Services Business Partner • Contract acquisition process from application to contract, managing collateral • Position management of loans: Changing contracts, business operations, rollovers • Accounting: Disbursement, debit position, incoming payment processing • Cash flow disturbances: Dunning, interest on arrears, Value adjustments, contract terminations • Loan evaluations • Overview of information system • Area-specific Customizing settings Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
  • 12. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG 2006 0DLQ %XVLQHVV 6FHQDULR „ RXU FRPSDQ PDQDJHV ORDQ FRQWUDFWV LQ SDUWLFXODU PRUWJDJH ORDQV ZKLFK DUH PDQDJHG LQ 6$3 /RDQV 0DQDJHPHQW „ 6$3 )LQDQFLDO $FFRXQWLQJ DQG DVK 0DQDJHPHQW DUH VXFFHVVIXOO LPSOHPHQWHG DQG UXQ SURGXFWLYHO LQ RXU FRPSDQ „ RX ZRXOG OLNH WR IDPLOLDUL]H RXUVHOI ZLWK WKH VWUXFWXUH DQG WKH PDLQ IXQFWLRQV RI /RDQV 0DQDJHPHQW DV ZHOO DV WKH FRUH IXQFWLRQV IRU $FFRXQWLQJ DQG 3RVLWLRQ 0DQDJHPHQW Contact for Buying any SAP Modue Materials: sapmaterials4u@gmail.com Visit: www.sapeducation.co.nr
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  • 45. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 1-29 © SAP AG 2006 3URGXFW DWHJRULHV %RUURZHU V 1RWH /RDQV KDUDFWHUL]DWLRQ l $SSOLFDWLRQ XQFRPPLWWHG l 5HSDPHQW DOO SRVVLEOH YDULDQWV l ,QWHUHVW UDWH IL[HG DFFRUGLQJ WR DJUHHPHQW RU ERXQG WR D UHIHUHQFH LQWHUHVW UDWH l 7HUP PHGLXP WR ORQJWHUP l ROODWHUDO QR IXUWKHU FROODWHUDO UHTXLUHG ZLWK H[FHOOHQW FUHGLW VWDQGLQJ %RUURZHU V QRWH ORDQV DUH ODUJH ORDQV IRU ILUVWFODVV FRPSDQLHV DQG SXEOLF LQVWLWXWLRQV ZLWK ORQJUXQQLQJ WHUPV DQG VWUXFWXUDO IHDWXUHV VLPLODU WR WKRVH RI ERQGV ZLWK ZKLFK OLVWHG ERUURZHU V QRWHV FDQ EH LVVXHG ¡§n¥oonk¢ t o£ w v np t u n sv™w Ÿy|Š œ …   €   ‰ { y€‚ƒ xzy|{ } ~‰ { y€‚ƒ „ yz‚… ƒ‡†gˆ¥‰Š { yg€‡‚gƒ ‹ŒXŽ‡ ‘Ž’“” • “Ž– — ‰‚g‰gŠ €{ { y‡€‚gƒ  ‚gƒ£œ €‰{ { ˆD‰‰‚gœ { yg€|‚‰ƒ w Borrower’s note loans are taken up by commercial businesses, public institutions, special credit institutions and supranational borrowers. w Lenders are primarily insurance companies, real-estate credit institutions and savings banks. w The advantage for both parties is simple handling. Another advantage is that even companies not capable of issue have access to the capital market. Another positive aspect for lenders is that there are currently no necessities for write-offs by decreasing long-term investment rates. w Borrower’s notes can also be passed on independent of their structure. The number of permitted assignments is usually agreed on when the first purchase is carried out.
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  • 47. /0 SURGXFW FDWHJRU KDV WKH QHFHVVDU IXQFWLRQV IRU DGPLQLVWUDWLQJ WKH FRPSOHWH SURFHVV XVLQJ VSHFLDOO GHYHORSHG RUGHU PDQDJHPHQW 6SHFLDO )HDWXUHV l :LWK 2UGHU 0DQDJHPHQW ¤ 6WDQGDUG ILQDO UHSDPHQW VWDQGDUG IL[HG LQWHUHVW UDWH IRU D IL[HG LQWHUHVW SHULRG ¤ %XVLQHVV DFTXLVLWLRQ SURFHVV UHVHUYDWLRQ DQG FRQWUDFW ¤ )XQFWLRQV IRU WKH ERUURZHU V QRWH SXUFKDVH RUGHU DQG VDOH RUGHU ¤ 6SHFLDO FROOHFWLYH SURFHVVLQJ ¤ 1RQGHELW VLGH RQO DV ORDQV JLYHQ l :LWKRXW 2UGHU 0DQDJHPHQW ¤ 6LPLODU WR WKH *HQHUDO /RDQ SURGXFW FDWHJRU ZLWK DOO FRQGLWLRQ DQG UHSDPHQW YDULDQWV ¤ 'HELW VLGH DQG QRQGHELW VLGH ORDQV JLYHQ DQG WDNHQ ¡§n¥oonk¢ t o£ w v n‡p t u n sv©w Ÿy|Š œ …   €   ‰ { y€‚ƒ xzy|{ } ~‰ { y€‚ƒ „ yz‚… ƒ‡†gˆ¥‰Š { yg€‡‚gƒ ‹ŒXŽ‡ ‘Ž’“” • “Ž– — ‰‚g‰gŠ €{ { y‡€‚gƒ  ‚ƒ£œ €g{ { ˆD‰g‚‰œ { yg€|‚‰ƒ w *HQHUDO • In Loans Management, you can map both loans given against a borrower’s note and also trading with borrower’s notes using order management. • Alternatively, you can generate a borrower’s note loan, similar to the General Loan product category, as a normal loan with all imaginable contract constellations. w 3DUWLFLSDWLQJ %XVLQHVV 3DUWQHUV • The business partners are assigned the roles of issuer and counterparty. This occurs using business partner management or when entering an order. • Every borrower’s note must be assigned an issuer serving as the main loan partner.
  • 48. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 1-31 © SAP AG 2006 3URGXFW DWHJRULHV 3ROLF /RDQV KDUDFWHUL]DWLRQ l $SSOLFDWLRQ XQFRPPLWWHG l 5HSDPHQW PDWXULW l ,QWHUHVW UDWH VHFXUHO DJUHHG XS WR WKH HQG RI D FRQWUDFW l 7HUP XS WR WKH GDWH RI GLVEXUVHPHQW RI WKH VXP LQVXUHG LQ WKH FDVH RI VXUYLYDO l 6HFXULW DEOH WR EX EDFN
  • 49. HQGRZPHQW SROLF $ OLIH LQVXUDQFH FRPSDQ JUDQWV SROLF ORDQV 7KH SROLF VHUYHV DV D ORDQ VHFXULW DQG LV WSLFDOO XVHG WR UHSD D ORDQ ¥n§u ¦ §©¨ u n sv™w Ÿy|Š œ …   €   ‰ { y€‚ƒ „ yz‚… ƒ‡†gˆ¥‰Š { yg€‡‚gƒ ‹ŒXŽ‡ ‘Ž’“” • “Ž– — ‰‚g‰gŠ €{ { y‡€‚gƒ ˜6yzŠ Š ygš‡‰Š ›ƒ ‚gyœ ‰X{ yg€‚ƒ  ‚gƒ£œ €‰{ { ˆD‰‰‚gœ { y€‚ƒ w Even numerous financial institutions grant loans contrary to assigning an insurance policy. However, only the cash surrender value of the insurance is recognized mostly as collateral. w Taking out a policy loan generally does not affect insurance policy coverage. However, the insurance company will subrogate rights to the insurance policy.
  • 50. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 1-32 © SAP AG 2006 3URGXFW DWHJRULHV 3ROLF /RDQV LQ /0 6SHFLDO )HDWXUHV l /LPLWHG XVDJH RQO IRU ORDQV JLYHQ DFFRUGLQJ WR SODQ SULQFLSOH RU DFWXDO SULQFLSOH ZLWK RU ZLWKRXW FRQQHFWHG FXVWRPHU l 6KRUWHQHG DFFRXQW RULJLQDWLRQ SURFHVV RIIHU FRQWUDFW l )OH[LEOH FRQGLWLRQLQJ PDSSLQJ DOO SRVVLEOH FRQVWHOODWLRQV l ,QWHJUDWHG FROODWHUDO PDQDJHPHQW IRU HQGRZPHQW SROLFLHV 7KH SROLF ORDQ /0 SURGXFW FDWHJRU FRQFHQWUDWHV WKH RSWLRQV RI /0 RQ WKH IXQFWLRQV QHFHVVDU IRU PDSSLQJ SROLF ORDQV ¥n§u ¦ §©¨ u n sv™w Ÿy|Š œ …   €   ‰ { y€‚ƒ „ yz‚… ƒ‡†gˆ¥‰Š { yg€‡‚gƒ ‹ŒXŽ‡ ‘Ž’“” • “Ž– — ‰‚g‰gŠ €{ { y‡€‚gƒ ˜6yzŠ Š ygš‡‰Š ›ƒ ‚gyœ ‰X{ yg€‚ƒ  ‚gƒ£œ €‰{ { ˆD‰‰‚gœ { y€‚ƒ w As is with a new mortgage business, the master data to be managed to a policy loan in the SAP system contains both the basic loan data that reflects the fundamentally descriptive and classifying information on loans and also the conditions which are individually based on contracts. w The process of creating a contract is structured almost the same as creating a mortgage loan contract. The difference is that when you create a policy loan contract collateral can be stored, but not objects (this means that the objects tab is hidden).
  • 51. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 1-33 © SAP AG 2006 3URGXFW DWHJRULHV RQVXPHU /RDQV $ FRQVXPHU ORDQ LV D ORDQ ZLWK D ORZ DPRXQW RI FUHGLW WR SULYDWH KRXVHKROGV ZKLFK SURYLGHV ILQDQFLQJ IRU FRQVXPHU SURGXFWV KDUDFWHUL]DWLRQ l 8VDJH FRQVXPHU SURGXFWV l 5HSDPHQW IL[HG DQQXLW UDWHV l ,QWHUHVW UDWH VHFXUHO DJUHHG XS WR WKH HQG RI D FRQWUDFW l 7HUP VKRUW WR PHGLXPWHUP WSLFDOO XS WR VL[ HDUV
  • 52. l ROODWHUDO l 1RQH l UHGLW DPRXQWV DQG FUHGLW UDWHV VHW DFFRUGLQJ WR UHJXODU LQFRPH l :KHUH DSSOLFDEOH FUHGLW OLIH LQVXUDQFH DFFLGHQW LQVXUDQFH DQG RFFXSDWLRQDO GLVDELOLW LQVXUDQFH © n v q wªk«¬t o u n sv©w Ÿy|Š œ …   €   ‰ { y€‚ƒ xzy|{ } ~‰ { y€‚ƒ ‹ŒXŽ‡ ‘Ž’“” • “Ž– — ‰‚g‰gŠ €{ { y‡€‚gƒ ˜6yzŠ Š ygš‡‰Š ›ƒ ‚gyœ ‰X{ yg€‚ƒ  ‚gƒ£œ €‰{ { ˆD‰‰‚gœ { y€‚ƒ
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  • 55. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 1-35 © SAP AG 2006 KDUDFWHUL]DWLRQ l 8VDJH FRQVXPHU SURGXFWV DQG FDSLWDO JRRGV l 5HSDPHQW IL[HG RU YDULDEOH UDWHV GHSHQGLQJ RQ VHOHFWHG SURGXFW SDPHQW RQ PDWXULW PD EH SDLG RII SDUWLDOO RU IXOO LQ WKH LQWHULP RU UHSDDEOH DQG DYDLODEOH DV UROOLQJ RYHU l ,QWHUHVW UDWH IL[HG RU YDULDEOH GHSHQGLQJ RQ VHOHFWHG SURGXFW FDOFXODWHG DFFRUGLQJ WR WKH LQFRPLQJ SDPHQW SULQFLSOH l 7HUP PHGLXP WR ORQJWHUP l ROODWHUDO l 1R VSHFLDO FROODWHUDO l DQ EH FRPELQHG ZLWK GLIIHUHQW LQVXUDQFH FRPSDQLHV 3URGXFW DWHJRULHV ,QVWDOOPHQW /RDQV ­ v2w p s u u «¬tv p u n sv™w „ yz‚… ƒ‡†gˆ¥‰Š { yg€‡‚gƒ Ÿy|Š œ …   €   ‰ { y€‚ƒ xzy|{ } ~‰ { y€‚ƒ ‹ŒXŽ‡ ‘Ž’“” • “Ž– — ‰‚g‰gŠ €{ { y‡€‚gƒ ˜™y‡Š Š yš‡‰Š ›ƒ ‚‡y‰œ ‰X{ y‡€‚gƒ $Q LQVWDOOPHQW ORDQ LV D ORDQ IRU ILQDQFLQJ FRQVXPHU SURGXFWV DQG PHGLXP WR ODUJH FDSLWDO JRRGV /DUJHO DV D UHVXOW RI LWV IRUP LW LV FRPPRQO XVHG RQ WKH 86 PDUNHW LQ SDUWLFXODU
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  • 57. l ,QFRPLQJ SDPHQW SULQFLSOH FOHDUV LQFRPLQJ SDPHQWV RQ WKH GD WKH DUH UHFHLYHG VHWWOHPHQW RI WKH DFWXDO LQWHUHVW VKDUH WKH UHPDLQGHU IRU UHSDPHQW l 6WRS 0DQDJHPHQW IRU VXSSUHVVLQJ FHUWDLQ SURFHVVHV DQG IRU GLVSODLQJ ZDUQLQJ PHVVDJHV l ,QWHJUDWHG PDQDJHPHQW RI WSLFDO FUHGLW LQVXUDQFH LQ FRPELQDWLRQ ZLWK FROODWHUDO PDQDJHPHQW 7KH VWUXFWXUH RI WKH ,QVWDOOPHQW /RDQ SURGXFW FDWHJRU LV VLPLODU WR WKH VWUXFWXUH RI D FRQVXPHU ORDQ +RZHYHU WKH LQVWDOOPHQW ORDQ RIIHUV IDU PRUH FRPSUHKHQVLYH IXQFWLRQDOLW ­ v©w p s u u «¬tv p u n sv©w „ yz‚… ƒ‡†gˆ¥‰Š { yg€‡‚gƒ Ÿy|Š œ …   €   ‰ { y€‚ƒ xzy|{ } ~‰ { y€‚ƒ ‹ŒXŽ‡ ‘Ž’“” • “Ž– — ‰‚g‰gŠ €{ { y‡€‚gƒ ˜™y|Š Š ygš‡‰Š ›ƒ ‚‡yœ ‰X{ yg€‚ƒ w 3D2II 6FKHPHV • Fixed rate installment loans (FRIL) - fixed interest rate with a constant rate • Variable rate balloon loans (VRBL) - variable interest rate, final payment share (Balloon) • Adjustable rate installment loans (ARIL) - adjustable rate for every rate adjustment using the same term • Variable single pay installment loans (VSPIL) - one single payment at the end of a term including accrued interest
  • 58. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 1-37 © SAP AG 2006 3URGXFW DWHJRULHV 6XPPDU RX DUH QRZ DEOH WR „ 1DPH DQG GHILQH SURGXFW FDWHJRULHV PDQDJHG LQ /RDQV 0DQDJHPHQW „ 'LVWLQJXLVK ZKLFK SURGXFW FDWHJRU SURYLGHV VXLWDEOH IXQFWLRQV DQG SURFHVV IRU ZKLFK WDVN
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  • 65. l %XVLQHVV SDUWQHU UHODWLRQVKLSV FDQ EH OLQNHG ZLWK HDFK RWKHU LQ PDQ ZDV l 7KHUH DUH IXQFWLRQV IRU JHQHUDWLQJ ERUURZHU DQG ULVN HQWLWLHV Æ@Ç‘ÈÊÉ$È ®°¯ ±² ³ ´ ² µ ² ± ´ ² ´ ¹‡º »§¼|½©¾ ¿ÀzÁ À ³©Â6©¾ À ‹‡ŒŽ ÄŽ‡’“” • “XŽ– Å )XQFWLRQV • 6$3 %XVLQHVV 3DUWQHU describes natural people, companies, groups of natural people or organization groups, in which a company has a business interest. • The solution is based on the role concept. This makes it possible to centrally collect and generate general data and also to save additional data according to business necessity. • You can display a wide spectrum of interfaces and functions. The SAP Business Partner is closely connected to other components. This guarantees a thorough process. • The SAP Business Partner allows you to expand fields specific to customers without modifications. Å 7KH PRVW LPSRUWDQW %XVLQHVV 3DUWQHU GDWD LQFOXGHV • Name and address of the business partner • Supplementary data dependent on the business partner category (such as date of birth, legal form) for all areas of application • Relationships (for example, borrower entities, group structures, marriage partnerships, private companies) • Legitimation data and additional partner numbers Å 1RWH • In earlier SAP versions, there was additional data retention based on the Financial Services requirements with the )LQDQFLDO 6HUYLFHV %XVLQHVV 3DUWQHU (FS BP) components. The double data management associated with it and its parallel maintenance (for example, basic data in the BP000 and BUT000 tables) has been set in 6$3 %XVLQHVV 3DUWQHU since ERP 2005. • Exception: when using the 5HDO HVWDWH 5( ODVVLF
  • 67. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 1-44 © SAP AG 2006 ,QWHJUDWLRQ ZLWK 2WKHU 6$3 0RGXOHV 0 6LJQLILFDQFH IRU /RDQV 0DQDJHPHQW l $GPLQLVWUDWLRQ DQG HYDOXDWLRQ RI WKH VHFXULWLHV DJUHHG LQ WKH OHQGLQJ SURFHVV DQG REMHFWV EHORQJLQJ WKHUHWR l 'LVSODV WKH KHGJHG LWHPV LQ /RDQV 0DQDJHPHQW DQG PDNHV WKH WUDQVLWLRQ WR 0 SRVVLEOH l (YDOXDWHV ORDQ VHFXULW DFFRUGLQJ WR WKH OHJDO VSHFLILFDWLRQV DQG VXSSRUWV YDULRXV DSSURDFKHV WR ULVN PDQDJHPHQW XVLQJ %DVHO ,, 7KH 6$3 ROODWHUDO 0DQDJHPHQW IRU %DQNLQJ LV DQ RSHUDWLRQDO SRVLWLRQ PDQDJHPHQW VVWHP IRU REMHFWV DQG FROODWHUDO DJUHHPHQWV ®°¯ ¶€¸ ³ ´ ² µ ² ± ´ ² ´ ¹‡º »§¼|½©¾ ¿ÀzÁ À ³©Â6©¾ À µ »§Ãi¹‡Ã ‹‡ŒŽ ÄŽ‡’“” • “XŽ– Å )XQFWLRQV • CM asset management includes functions for managing and evaluating assets agreed as collateral (real estate, ships, rights, securities, movable goods...). The relevant values from value determination are imported to CM collateral management using interfaces. • CM collateral management includes business logic and the processes for managing and evaluating a collateral (encumbrances, warranty, assignment...). The collateral agreement is formed here. The transactions to be secured are referenced. Å $GYDQWDJHV • Central source system for front-end and back-end applications • Supports risk mitigation according to Basel II • Efficient processes for processing collateral • Open framework for managing collateral (stand-alone) Å RPPHQW • Loans Management contains several options for asset and collateral management that will not be developed further and therefore will not meet the Basel II requirements. • 0 LV D VXFFHVVRU WR WKH VROXWLRQ LQWHJUDWHG LQ /RDQV 0DQDJHPHQW ZLWK UHDO DGGHG YDOXH
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  • 70. LV D KLJKSHUIRUPDQFH LQVWUXPHQW IRU LPSOHPHQWLQJ DQ HIILFLHQW OLTXLGLW SRUWIROLR DQG ULVN PDQDJHPHQW 6LJQLILFDQFH IRU /RDQV 0DQDJHPHQW l 7KH 7UDQVDFWLRQ 0DQDJHU VXSSRUWV QRW RQO RQH EXW VHYHUDO SDUDOOHO EDODQFH VKHHW YLHZV RI PDQDJHG SRVLWLRQV DQG WUDQVDFWLRQV WKDW HDFK SURYLGH D FRPSOHWH YDOXHEDVHG GLVSOD RI WKH SRVLWLRQV l 7KLV DOORZV RX WR FRQWURO WKH SRVLWLRQV DQG SRVLWLRQUHOHYDQW IORZV LQ /RDQV 0DQDJHPHQW DFFRUGLQJ WR GLIIHUHQW DFFRXQWLQJ UXOHV DQG UHJXODWLRQV ®°¯ ±² Í ·$¸ µ ² ± ´ ² ´ ¹‡º »§¼|½©¾ ¿ÀzÁ À ³©Â6©¾ À µ »§Ãi¹‡Ã ‹‡ŒŽ ÄŽ‡’“” • “XŽ– Å The 7UDQVDFWLRQ 0DQDJHU offers the option of carrying out liquidity and risk analyses. Decisions on future investments and borrowings can be made based on these analyses and the corresponding current conditions of the money and capital markets. Å The 7UDQVDFWLRQ 0DQDJHU • supports your financial transaction and position management. This involves trading and back office, and the connection to Financial Accounting. • helps you utilize existing rationalization and enables you to automate typical processes. • provides flexible reporting and evaluation structures for analyzing financial transactions, positions and portfolios. • allows you to assess directly the effects of financial transactions on liquidity and interest rate risk using the integration with 7UHDVXU DQG 5LVN 0DQDJHPHQW.
  • 71. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 1-47 © SAP AG 2006 ,QWHJUDWLRQ ZLWK 2WKHU 6$3 0RGXOHV 5%' 6LJQLILFDQFH IRU /RDQV 0DQDJHPHQW l 8VHIXO IRU DVVHWVLGH FXVWRPHU ORDQV l $XWRPDWHG H[WUDFWLRQ RI WKH UHOHYDQW GDWD IURP /RDQV 0DQDJHPHQW l 5LVN FODVV UHWXUQHG WR /RDQV 0DQDJHPHQW l UHDWLQJ DQG SRVWLQJ YDOXH DGMXVWPHQWV 7KH 6$3 FRPSRQHQW 5HVHUYH IRU %DG 'HEWV SURYLGHV LQWHJUDWHG DXWRPDWHG VVWHP VXSSRUW IRU UHFRJQL]LQJ FUHDWLQJ DQG SRVWLQJ YDOXH DGMXVWPHQWV DQG IRU SURPSW LQIRUPDWLRQ RQ ULVN FRQWURO ·iÉiÎ ®°¯ ±² ³ ´ ² µ ² ± ´ ² »§¼|½©¾ ¿ÀzÁ À ³©Â6©¾ À µ »§Ãi¹‡Ã ‹‡ŒŽ ÄŽ‡’“” • “XŽ– Å )XQFWLRQV • 5LVN 0RQLWRULQJ Creating and evaluating risk portfolios Ö Allows you to recognize the default risks. Ö Value adjustment proposals. • 5LVN 3URYLVLRQ Value adjustment postings are supported with regard to initial appropriation of funds, subsequent appropriations following outgoing payments and risk changes and divestitures following incoming payments. This results in the adjusted revenues and positions. • 5LVN 5HDOL]DWLRQ Posting the loss on receivables supports the divestment/usage of the value adjustment and the write-off of the remaining receivables. Å 'LIIHUHQWLDWHV EHWZHHQ • ,QGLYLGXDO 9DOXH $GMXVWPHQWV (IVAs) separately for effective capital as well as interest and charges • )ODWUDWH YDOXH DGMXVWHPHQWV (FRVAs) Å $GYDQWDJHV • Implementation as independent add-on • Supports the processes of risk monitoring, risk provision and risk realization for asset-side customer loans • Links to SAP FI Financial Accounting in a real-time posting interface Å RPPHQW • This product is currently being used in Germany only. After consulting with SAP, it would be possible to use this product in other countries.
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  • 73. Ï 7UDQVIHUULQJ GDWD WR 6$3 PRGXOHV OLNH ), DQG /0 LV FDUULHG RXW XVLQJ LQWHUIDFHV ,QWHJUDWLRQ ZLWK 2WKHU 6$3 0RGXOHV 60 6QGLFDWLRQV 0DQDJHPHQW DOORZV RX WR PDQDJH ORDQ SRUWIROLRV WKDW VKRXOG EH VROG RU KDYH DOUHDG EHHQ VROG WR UHILQDQFH LQYHVWRUV Æ$¸ ®°¯ ±² ³ ´ ² ± ´ ² ´ ¹‡º ³2°©¾ À$Ð Â6Ñ ½©¼|½™¾ ¿À|Ò°À µ »§Ãi¹‡Ã ‹‡ŒŽ ÄŽ‡’“” • “XŽ– Å 6QGLFDWLRQV 0DQDJHPHQW uses the ,QYHVWRU RQWUDFW product category from Loans Management to manage investor contracts.
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  • 78. DQG D VHULHV RI DQDO]HUV • )LQDQFLDO 'DWDEDVH )'% makes the central databasis available for all analyzers • 3URILW $QDO]HU: supports costing-based profitability analysis • %DODQFH $QDO]HU enables you to create annual financial statements using parallel accounting rules • /LPLW 0DQDJHU supports the control of counterparty/issuer or country default risk by using limits • UHGLW 5LVN $QDO]HU: allows you to measure, analyze and control default risks; the analyzer currently includes the Credit Exposure and Portfolio Credit Risk components. • 5HSRUWLQJ ,QWHUIDFH: the central reporting tool is Business Warehouse (BW). It can collect data from different analyzers for collective reporting.
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  • 80. supports the bank’s profitability analysis. It carries out calculations for individual transactions based on the mark-to-market value using market rate pricing for transfer pricing or NPV. Expenses and revenue are assigned to individual transactions and positions based on cause so that banks can determine the costs for products, customers or profit center. • 6$3 UHGLW 5LVN /LPLW 6VWHP IRU %DQNLQJ 6(05/
  • 81. supports banks when controlling default risks with flexible limit structures that can be updated online. It integrates numerous risk calculation systems in the limit system and forms an active limit management process. • 6$3 $VVHW /LDELOLW 0DQDJHPHQW IRU %DQNLQJ 6(0$/0
  • 82. supports banks when assessing business opportunities against the related expenses and risks. Using ALM functions, you can analyze the effects of interest rate and exchange rate risks and control the revenue for each fiscal period. • 6$3 0DUNHW 5LVN IRU %DQNLQJ 6(005
  • 83. provides NPV and value-at-risk analyses that banks use to evaluate and control market risks based on different simulation scenarios. You can use interest rate, volatility and currency factors for grid scenarios for option price risks. The market risk solution offers support for the capital adequacy directive.
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  • 87. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-1 © SAP AG 2006 8QLW 1HZ %XVLQHVV LQ /RDQV 0DQDJHPHQW )6 /RDQV 0DQDJHPHQW IRU )LQDQFLDO 6HUYLFH 3URYLGHUV
  • 88. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-2 © SAP AG 2006 1HZ %XVLQHVV LQ /RDQV 0DQDJHPHQW RQWHQWV 7KLV WRSLF FRYHUV WKH IROORZLQJ OHVVRQV „ 2YHUYLHZ RI 6$3 %XVLQHVV 3DUWQHU „ UHDWLQJ PRUWJDJH ORDQV DQG FROODWHUDO „ 'LVEXUVLQJ D PRUWDJH ORDQ „ 2YHUYLHZ RI DFFRXQW RULJLQDWLRQ IURP 50
  • 89. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-3 © SAP AG 2006 1HZ %XVLQHVV LQ /0 8QLW 2EMHFWLYHV $W WKH HQG RI WKLV XQLW RX ZLOO EH DEOH WR „ ([SODLQ WKH 6$3 %XVLQHVV 3DUWQHU FRQFHSW „ UHDWH D EXVLQHVV SDUWQHU LQ GLIIHUHQW UROHV DQG OLQN WR RWKHU EXVLQHVV SDUWQHUV „ 8QGHUVWDQG WKH SURFHVV RI FUHDWLQJ D ORDQ „ UHDWH GLIIHUHQW NLQGV RI PRUWJDJH ORDQV „ 'LVEXUVH GLIIHUHQW NLQGV RI ORDQV „ UHDWH FROODWHUDO IRU D ORDQ „ 'UDZ XS WKH RSWLRQV IRU D FRQWUDFW DFTXLVLWLRQ IURP WKH 50
  • 90. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-4 © SAP AG 2006 1HZ %XVLQHVV LQ /0 2YHUYLHZ 'LDJUDP RXUVH 2YHUYLHZ 2YHUYLHZ RI /RDQV 0DQDJHPHQW 1HZ %XVLQHVV 3RVLWLRQ 0DQDJHPHQW DVK )ORZ 'LVWXUEDQFHV XVWRPL]LQJ
  • 91. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-5 © SAP AG 2006 6$3 %XVLQHVV 3DUWQHU 1HZ %XVLQHVV LQ /RDQV 0DQDJHPHQW „ /HVVRQ 'LVEXUVLQJ D /RDQ „ /HVVRQ 6$3 %XVLQHVV 3DUWQHU „ /HVVRQ UHDWLQJ 0RUWJDJH /RDQV „ /HVVRQ 2SWLRQDO $FFRXQW 2ULJLQDWLRQ XVLQJ 50
  • 92. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-6 © SAP AG 2006 6$3 %XVLQHVV 3DUWQHU 8QLW 2EMHFWLYHV $IWHU FRPSOHWLQJ WKLV OHVVRQ RX ZLOO EH DEOH WR „ 8QGHUVWDQG KRZ 6$3 %XVLQHVV 3DUWQHU LV GHVLJQHG „ 6HW XS EXVLQHVV SDUWQHUV LQ GLIIHUHQW EXVLQHVV SDUWQHU FDWHJRULHV DQG ZLWK GLIIHUHQW EXVLQHVV SDUWQHU UROHV „ UHDWH DQG YLVXDOL]H EXVLQHVV SDUWQHU UHODWLRQVKLSV
  • 93. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-7 © SAP AG 2006 6$3 %XVLQHVV 3DUWQHU 2YHUYLHZ :LWK WKH 6$3 %XVLQHVV 3DUWQHU FRPSRQHQW RX FDQ FHQWUDOO FUHDWH DQG PDQDJH EXVLQHVV SDUWQHUV UHJDUGOHVV RI WKH VFRSH WSH DQG PHWKRG RI FRQWDFW )XQFWLRQVRI6$3%XVLQHVV3DUWQHU 0RUW JDJH /RDQV /0 0RUWJDJH /RDQ 0 $FFRXQW $0 ,QVXUDQFH Policy  ¢¡¤£¥¡§¦ ¨¤¡¤© ¦ ©§!§#©¤¡§$%¡¤  '¡(£)01§¡(22$0#43§¤3¡ 5© 6£)07#(£8¢9(¡71©(¤@BAC5 £7D  E¡7£¥¡¦ ¨¤¡)©6£)$$F¦ ©¤©¦ G10 H#§73¦ 32¦ (©§!47£)¡297 ¦£ )I ¡¥#£D ), PRQ 5© 6£(!(©)H0$¡7E¦ F(£)£)B!§¤S¦ 73 6$3 %XVLQHVV 3DUWQHU T¢¡¤¡9¤©F£(U(¡(£V¤¦ 3¤£(£)B!§¤ W 7KH 6$3 %XVLQHVV 3DUWQHU $SSOLFDWLRQ • 6$3 %XVLQHVV 3DUWQHU is the central component for entering and managing general and business- specific partner data. W 'HSORPHQW 2SWLRQV • SAP Business Partner enables you to create and manage business partners centrally. This is particularly useful when a partner plays several different roles for a company (such as borrower and account holder). • SAP Business Partner is designed to give users practical advantages, such as minimized data redundancy and improved data integrity. It also places a stronger focus on managing customer relationships and new customer acquisitions. W 6FRSH RI )XQFWLRQ • You can create a business partner with different business partner roles and assign new roles in the course of the business relationship. When you do so, you do not need to re-enter data each time, which eliminates redundant data entry and data maintenence as well as the risk of inconsistencies. • With SAP Business Partner you can bring together partner data that may be distributed out over several systems and identify potential customers for new contracts from within your existing customer base. • When you enter data, the component seamlessly integrates central data in SAP Business Partner and application-specific data on one processing screen. • You can also integrate customer-specific data without making modifications, regardless of release changes.
  • 94. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-8 © SAP AG 2006 6$3 %XVLQHVV 3DUWQHU %XVLQHVV 3DUWQHU DWHJRULHV 2UJDQL]DWLRQ $ EXVLQHVV SDUWQHU LV D QDWXUDO SHUVRQ RU OHJDO HQWLW ZLWK ZKRP RX FDQ PDLQWDLQ D JUHDW YDULHW RI EXVLQHVV UHODWLRQVKLSV 7KHUH DUH WKUHH GLIIHUHQW EXVLQHVV SDUWQHU FDWHJRULHV *URXS )XQFWLRQVRI6$3%XVLQHVV3DUWQHU 3HUVRQ W %XVLQHVV 3DUWQHU DWHJRU • You can choose from the following business partner categories: - 3HUVRQ: A natural person (such as an individual, realtor, or employee) - 2UJDQL]DWLRQ: A legal entity or part of a legal entity (such as a company, association, institution, or department) - *URXS: A group comprised of several persons and/or organizations (such as a married couple, community of heirs, or corporate group) • For each business category there are specific data fields available for you to choose from: - 3HUVRQ Title, First Name, Last Name, Birth Date, additional name components (such as Name affix, Name supplement and Academic titles), gender, etc. - 2UJDQL]DWLRQ Title, Name, Legal form, Industry, Legal entity, etc. - *URXSV Title, 2 name fields, Partner group categories (marriage, shared apartment), etc. • You cannot create any other business partner categories. • Nor can you make subsequent changes to a business partner category.
  • 95. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-9 © SAP AG 2006 6$3 %XVLQHVV 3DUWQHU %XVLQHVV 3DUWQHU 5ROHV $ EXVLQHVV SDUWQHU UROH FODVVLILHV D EXVLQHVV SDUWQHU DFFRUGLQJ WR EXVLQHVV FULWHULD $ EXVLQHVV SDUWQHU FDQ WDNH RQ VHYHUDO UROHV 3URVSHFW (PSORHH %RUURZHU $OWHUQDWLYH 3DHU ,QVXUHG 3HUVRQ X08I7©%2¦Y¤©¤` $ 6¡¤G10 74U7¡E70H4(ab¡ 5© ¡§$F9§ §I(¡¤c¤I%4U¡F(§§V 5© ¦ )©!§#¡7d¤IF£(#¡(¦ B ¦G 1¡ ¦ (©!§#§£)¡F9§1¨§¦ ¡ %DQN 5 e0!§¦ #¡727!¤3¡)`H¦Y73F2 f ¦3 (¡¤6 §F£)B¤S#¤£¥ )XQFWLRQVRI6$3%XVLQHVV3DUWQHU %3 /LVD 0LOOHU W 5ROH DWHJRULHV IRU %XVLQHVV 3DUWQHUV • The system has fixed, predefined role categories for business partners. These role categories also appear in other closely related SAP modules (such as /RDQV 0DQDJHPHQW Ö 75 Main Loan Partner). • The ILUVW business partner on the contract always has the role Main Loan Partner. • General Business Partner is the default BP role category. W %XVLQHVV 3DUWQHU 5ROH • You can also assign each BP role category with as many custom BP roles as you like (such as 75 Main Loan Partner Ö 0% Main Borrower). • Regardless of whether you do that or not, you only need to create central data like Name, Address and Bank Details once. • You can make business partner roles valid for a limited time. • If you set Customizing accordingly, a business partner role will control: - All available entry screens and data fields as well as field controls (optional fields, required fields, display fields) - All possible transfers to other business partner roles (Prospect Ö Borrower) - If necessary, you can set business partner roles to exclude one another.
  • 96. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-10 © SAP AG 2006 6$3 %XVLQHVV 3DUWQHU %XVLQHVV 3DUWQHU 5HODWLRQVKLSV $ EXVLQHVV SDUWQHU UHODWLRQVKLS VKRZV EXVLQHVVUHOHYDQW FRQQHFWLRQV EHWZHHQ WZR EXVLQHVV SDUWQHUV $ EXVLQHVV SDUWQHU KDV GLYHUVH UHODWLRQVKLSV )XQFWLRQVRI6$3%XVLQHVV3DUWQHU ghXpi¥q)q)q(q(i X¡¤`¡Er%¦ ¡ 7 stg¢¡ 737©%Hu$67HS¦ (3§¡F977`v(¡`©U§¦Y9s w¢¥©HU(¡2$6¡$2(¡`© ghXpi¥q)q(q)q8x r%¦ ¡ y€$§w w')©%4U(¡©97B!¤©¤¡ s5 ©F$7SH¦ ¡¤21§s s85 ©%©U(#¡§U7 ¡§§G1s s5 ©£¤0¤4¤£¥B97¡§`©(6G#04s w')©%4U(¡©U(#¡U70 ¡`© g‚Xci8q(q)q¤q)ƒ r€HH¦ ¤3§¡FX`S(¡`©§U¦ 9 r%¦ ¡ s85 ©F$%§7(30¦ 320¦ #¡7£¥100§G1s %3 /LVD 0LOOHU W %XVLQHVV 3DUWQHU 5HODWLRQVKLSV • A relationship can have various, customer-specific attributes, such as - Is Married To Ö Time period from to - Is Contact Person For Ö Telephone number, etc. - Is Shareholder Of Ö Percentage held • You can make business partner relationships valid for a limited time. • You can display business partner relationships in the following ways, and you can retrieve different information from each one: - As a list (an overview of all relationships that a business partner has with all relationship categories) - As a hierarchy (1:n hierarchical display of all relationships that a business partner has in each selected relationship category) - As a network (n:m graphical display of all relationships that a business partner has in each selected relationship category) W 5HODWLRQVKLS DWHJRULHV • A business partner's relationship category decribes the charactertistics of the business partner relationship. • The business partner category and business partner role determine which relationship categories are available for you to select. • You can also add more relationship categories. W 5HODWLRQVKLS 7SHV • You can subdivide relationship categories by defining as many relationship types as you like for each relationship category.
  • 97. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-11 ©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
  • 98. 0DLQ %RUURZHU W %XVLQHVV 3DUWQHU 9LHZV • Different information is required depending on each BP role and its related business context. • Different views are available in BP to meet this need. • Each of these views is connected to the BP role category or BP role you requested. • A view includes the dialog control and its scope in transaction %3 and contains information about - The tab pages you need to provide (such as Address, Address Overview, etc.) - Areas provided on the tab pages (such as name, address, contact information on the address tab page) - The field control on the tab pages (for example, certain fields are required and have mandatory entries, other fields have optional entries, a few fields are only for display and locked, some fields are not needed so they are hidden) - Other dialog areas with other tab pages (such as data that depend on the company code with information about the customer and dunning) • In addition, the display and field control of %3 transaction depends on the BP category (person, organization, group). Each BP category is connected to a number of preassignments or dropdown boxes (such as Mr and Mrs for persons but not for organizations, etc.).
  • 99. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-12 © SAP AG 2006 6$3 %XVLQHVV 3DUWQHU %XVLQHVV 3DUWQHU (QWULHV „†… ‡)ˆ‚‰Y7‘u’”“)•v‡E–§—™˜Ed¥eee(ef(g0hb–‰`“6iu7…Y—kjl–§•m•n–Bo%“)• Relationships Account Management Payment Transactions Correspondence Insurance Reporting data Address Address Overview Identification Control Payment Transactions Status ... 7UDQVDFWLRQ %3 General Data Company CodePerson Organization Group Main Loan Partner 100002Business Partner Create in BP role pp Lisa Miller Name Known As Lisa Lena LydiaFirst name Last name Miller Lisa Ms.Title Academic Title 1/2 Name at Birth Dietrich Prof. Language English Salutation EN Overview Is Married To (1) Is Contact Person For Is Shareholder Of ... )XQFWLRQVRI6$3%XVLQHVV3DUWQHU UHDWH D EXVLQHVV SDUWQHU XVLQJ RQH RI WKHVH EXVLQHVV SDUWQHU FDWHJRULHV 'LIIHUHQW QDPH ILHOGV IRU HDFK EXVLQHVV SDUWQHU FDWHJRU 'LIIHUHQW WDE SDJHV IRU HDFK EXVLQHVV SDUWQHU UROH 'LIIHUHQW WDEV IRU HDFK VXEMHFW DUHD 2QH WDE SDJH IRU HDFK UHODWLRQVKLS WSH RPSUHKHQVLYH LQIRUPDWLRQ RQ WKH DIILOLDWHG FXVWRPHU W +HDGHU 'DWD • UHDWH LQ %3 UROH: Displays valid business partners and assigns additional business partner roles • 5ROH 'HWDLO: Access to Change History, Where-Used List, validity of business partner roles W 6WUXFWXUH 2SWLRQV IRU WKLV 7UDQVDFWLRQ • You can use the %usiness 'ata 7oolset (BDT) to adjust the transaction to your individual needs. - The BDT is a programming tool for maintaining master data and simple transaction data, enhancing different dialog areas (screen layout, screen sequence, program logic, menu, field modification) without modifying them, and developing alternative user interfaces. - You can use Customizing to adjust the settings for each business partner category and business partner role. These settings determine the scope of tabs, tab pages and data fields, as well as defining preassignments and field controls (required field, optional field, display field) for data fields. • You can also use the (asy (nhancement :orkbench (EEW) to adjust the transaction to your individual needs. - The EEW is a development tool in the form of a wizard that lets you easily enhance SAP applications. The workbench spares users further development work by automatically creating database tables, screen programs and application logic. It then automatically includes customer enhancements in the SAP standard system.
  • 100. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-13 © SAP AG 2006 p •n“¤§q4“6’†“¤•v‡0–0—¢˜iu7…r—tsE–07—t’h•uq#—™“)•hhl–‰v“ General Data Company Code RelationshipsPerson Organization Group Main Loan Partner Business Partner Create in BP role Name Known As Lisa Lena LydiaFirst name Last name Miller Lisa Ms.Title Academic Title 1/2 Name at Birth Dietrich Professor Language English Salutation EN Address Address Overview Identification Control Payment Transactions Status ... 6$3 %XVLQHVV 3DUWQHU UHDWLQJ D %XVLQHVV 3DUWQHU 7UDQVDFWLRQ %3 n Select a business partner category o Select a business partner role p Fill in the tab pages q Save 1DYLJDWLRQ n Customer Number Customer Number ... Customer: General Data Customer: Tax Data FI Customer Assignment Create Customer n n p o q p W UHDWLQJ DQ 6$3 %XVLQHVV 3DUWQHU • Assuming Customizing is set accordingly, you can begin creating a customer while creating a business partner in the %3 transaction by setting the UHDWH XVWRPHU indicator. However, after that you must manually complete the fields that are required to create a customer. • If you create an SAP business partner from inside a loan, the program always creates the customer automatically and includes all available preassignments.
  • 101. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-14 © SAP AG 2006 6$3 %XVLQHVV 3DUWQHU /0 6SHFLILFV 7KH ILUVW EXVLQHVV SDUWQHU LQ WKH ORDQ FRQWUDFW DOZDV KDV WKH UROH FDWHJRU 0DLQ /RDQ 3DUWQHU ZKLFK RX FDQ VSHFLI ZLWK D EXVLQHVV SDUWQHU UROH VXFK DV 0DLQ %RUURZHU
  • 102. )XQFWLRQVRI6$3%XVLQHVV3DUWQHU wExFy0z§{ | }~€(x(} /RDQ ‚ #¡¤)#¡F¦ 40 ¡£))1¡¤300`I str€7¦ 2ƒ72X07`H¡1s ƒ§¦ §VHF £7!¤©)1$¡7E¦Y fB„ Xc…5 †E©(¡lG#07Yt(£)£70!§(H¦ 73 ¦© ¤©!(¡)©2‡r©!7£U6¥©2£¤ ¡ ¤£)S¦ 0 7!¤SU70H¦ ˆ¥¥S¦ 7‰ †¢©¤¡lG1007Y¥£)07H#(£8v!( ¦© )©!¤¡)©2‡Y©!£U)©2£¤0H#¡)©97¡7£¥¡(‰ ‚ #¡(¥`¡(2!(1$%(4¦ £)7 I ¦G B777 #¡)77Iu91¡¥©(¡( Š'‹tŒ z7Ž|( ¥‘t’“ BP 100002 Lisa Miller W 0DLQ /RDQ 3DUWQHU • To create a loan you PXVW already have a business partner with role category Business Partner (General). • The ILUVW business partner in the loan contract must have role category Main Loan Partner or one of its specific business partner roles (such as Main Borrower). • You can create role category Main Loan Partner outside of Loans Management using transaction %3. You have the choice of whether or not to also set up a customer at the same time. • You can also create the Main Loan Partner role category inside of Loans Management by leaving the contract creation process and going to transaction %3 . In this case the program automatically assigns the Main Loan Partner role category and automatically sets up a customer (assuming one is not already present). - DXWLRQ You must save the loan in order for the role category and customer to actually be created.
  • 103. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-15 © SAP AG 2006 5ROH DWHJRULHV )RU %XVLQHVV 3DUWQHUV LQ /0 ,Q DGGLWLRQ WR 0DLQ /RDQ 3DUWQHU RX FDQ DVVLJQ D ORDQ ZLWK YDULRXV RWKHU EXVLQHVV SDUWQHUV DQG WKHLU YDULRXV UROH FDWHJRULHV /RDQ Main Loan Partner )XQFWLRQVRI6$3%XVLQHVV3DUWQHU Alternative Payer Clerk «««« W 2WKHU 5ROH DWHJRULHV LQ /RDQV 0DQDJHPHQW • TR0101 – Borrower – Other contract partners on the loan (such as a spouse) • TR0110 – Prospect – Customer that has inquired about a loan • TR0115 – Special Arrangement • TR0121 – Other Loan Partner (such as a comission recipient, etc.) • TR0150 – Issuer – Issuer of a borrower's note • TR0154 – Beneficiary – Recipient of a disbursement • TR0160 – Ultimate Borrower – Beneficiary on a loan contract who is not a Borrower or a Main Loan Partner • TR0200 – Guarantor • TR0202 – Alternative Payer – Person or institution that takes over payment installmentsTR0203 – Collector – Collection agency for nonperforming loans • TR0624 – Subsidizer (w.Cust.Acct) – Institution that takes over a portion of installment payments (such as social welfare office, bank for reconstruction, etc.) • TR0700 – Policyholder – Holds a credit life insurance policy and pays the premiums on it • TR0701 – Insurer – Insurance company • TR0702 – Person Insured – Person insured by a credit life insurance policy • …..
  • 104. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-16 • … • TR0800 – Owner– Owner of a real estate object that is being used as collateral • TR0802 – Notary – The notary is responsible for the transfer of ownership of real estate • TR0810 – Land Registry – For the real estate object that is given as collateral (Caution: this roles uses the obsolete 5HDO (VWDWH%XVLQHVV 3DUWQHU) • TR0815 – Appraiser • TR0850 – Correspondence Partner Private • TR0860 – Correspondence Partner Business • TR0998 – Clerk (other clerk roles available for rollovers, contracts, etc.)
  • 105. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-17 © SAP AG 2006 6$3 %XVLQHVV 3DUWQHU 6XPPDU RX DUH QRZ DEOH WR „ 8QGHUVWDQG KRZ 6$3 %XVLQHVV 3DUWQHU LV GHVLJQHG „ 6HW XS EXVLQHVV SDUWQHUV LQ GLIIHUHQW EXVLQHVV SDUWQHU FDWHJRULHV DQG ZLWK GLIIHUHQW EXVLQHVV SDUWQHU UROHV „ UHDWH DQG YLVXDOL]H EXVLQHVV SDUWQHU UHODWLRQVKLSV
  • 107. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-19 /RDQV ([HUFLVHV 8QLW 1HZ %XVLQHVV LQ /RDQV 0DQDJHPHQW /HVVRQ 6$3 %XVLQHVV 3DUWQHU After completing this exercise, you will be able to: • Create business partners in various roles • Create relationships between business partners Your company would like to enter into contracts with new business partners in the future. To do so, these business partners must be entered in the system. 1 Create a business partner as a natural person in the general business partner role (without reference to a loan contract). Enter the title, name, address and other characteristics for this fictitious person. 1-1 Check whether the “General Business Partner´ role is defined. 1-2 On the “Address” tab page, enter the following data: • Title • First and last names • Correspondence language: EN • Language: EN • Search term ½: FS210 / last name of your business partner (this will simplify the search for the business partner later). • Street and house number • Postal code and city • Country 1-3 On the “Identification” tab page, enter the following data: • Gender • Marital status • Nationality • Date of birth
  • 108. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-20 1-4 On the “ Payment Transactions” tab page, enter the following data: • ID: 1 • Country : DE • Bank key: Æ Select using F4 help • Bank account (maximum of ten figures). • Check the box for “ Collection authorization” 1-5 Enter any additional data for the person. 1-6 Save the data for the business partner. 1-7 Note the business partner number for subsequent processing. 2 Create a business partner as an organization n in the general business partner role (without reference to a loan contract). Enter the form of address, name, address and other characteristics for a fictitious organization. 2-1 Check whether the “ General Business Partner” role is defined. 2-2 On the “ Address” tab page, enter the following data: • Title • Names • Search term ½: FS210 / company name (this will simplify the search for the business partner later). • Street and house number • Postal code and city • Country 2-3 On the “ Identification” tab page, enter the following data: • Legal form 2-4 On the “ Payment Transactions” tab page, enter the following data: • ID: 1 • Country : DE • Bank key: Æ Select using F4 help • Bank account (maximum of ten figures). 2-5 Enter any additional data for the organization. 2-6 Save the data for the organization.
  • 109. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-21 3 Create a relationship between the natural person you created in 1 and the organization you created in 2. 3-1 Check whether the selected relationship category is suitable for the roles to be processed. 3-2 Save the relationship you have created.
  • 111. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-23 6ROXWLRQV 8QLW 1HZ %XVLQHVV LQ /RDQV 0DQDJHPHQW /HVVRQ 6$3 %XVLQHVV 3DUWQHU After completing this exercise, you will be able to: • Create business partners in various roles • Create relationships between business partners 1 Create a business partner as a natural person in the general business partner role (without reference to a loan contract). Enter the title, name, address and other characteristics for this fictitious person. 1-1 Enter the business partner under o $FFRXQWLQJ o %DQN $SSOLFDWLRQV o %XVLQHVV 3DUWQHU o 0DLQWDLQ %XVLQHVV 3DUWQHU or using transaction %3 1-2 Choose the “ Person” button to create a person. 1-3 Check whether you are using the “ General Business Partner” role. 1-4 Make the entries (form of address, name and so on) and make sure to go through all tab pages specified. 1-5 To save your entries, choose “ Save” or press F9. Make a note of the business partner number.
  • 112. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-24 2 Create a business partner as an organization n in the general business partner role (without reference to a loan contract). Enter the form of address, name, address and other characteristics for a fictitious organization. 2-1 Choose the “ Organization” button to create an organization. 2-2 Proceed as described in steps 1-3 through 1-6. 3 Create a relationship between the natural person you created in 1 and the organization you created in 2. 3-1 Select one of the business partners for whom you want to create relationship (one of the persons you created). 3-2 Choose the “ Relationships” button to create a relationship. 3-3 Under “ Relationship category´, select a relationship category suitable for the person and the organization (for example, for a person you created and an organization with the legal form GmbH, you could select the relationship category “ Is a shareholder of”). 3-4 In the “ Relationship to BP” field, enter the number of the business partner to whom you want to create the relationship. 3-5 Click ³UHDWH´ 3-6 Close the dialog box which is displayed next by clicking “ Continue” (green check). 3-7 To save your entries, choose “ Save” or press F9.
  • 113. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-25 © SAP AG 2006 UHDWLQJ 0RUWJDJH /RDQV 1HZ %XVLQHVV LQ /RDQV 0DQDJHPHQW ”–•— ˜`™ š(›8š(œ • ›(ž Ÿ ¡n¢m£ ¤¥H¦ £¢v§v¨v© ª ¢n¨v« ©u¬S­®v¯ £¢S§u¨S© °¤±(²³)´ µ†²7³¤²7¶¤·(¸ ¹ ·(³(º » ®v¨S®S¯ §v£ £¢u§v¨S© ¼½¢n¯ ¯¢ S¾)®v¯ ¿© ¨S¢vÀ ®£¢S§v¨v© Á¨v©4À §S£ £­§®S¨HÀ £¢S§m¨H© „ /HVVRQ 'LVEXUVLQJ D /RDQ „ /HVVRQ 6$3 %XVLQHVV 3DUWQHU „ /HVVRQ UHDWLQJ 0RUWJDJH /RDQV „ /HVVRQ 2SWLRQDO
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  • 119. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-28 © SAP AG 2006 0RUWJDJH /RDQV 3URGXFW 7SHV 3UHGHILQHG E WKH VVWHP Ù XVWRPL]HG URVVFRPSDQ FRGHV Ù RPSDQ FRGHGHSHQGHQW DQQRW FKDQJH Ù RPSOHWHO FXVWRPL]DEOH 3URGXFW DWHJRULHV 3URGXFW 7SHV Q 3ULYDWH0RUWJDJH/RDQV 6SHFLDO2 IIHU à /DQGKDUJH/RDQV 6SHFLDO3URJUDPIRU +RPHEXLOGHUV 6SHFLDO 2IIHU Ä Å « ””•—Y˜`™ š¤›¥š)œ Æ)• ›(ž Ÿ ¡n¢n£ ¤¥H¦ Çu¢u§v¨H© ª ¢m¨v« ©v¬u­§®u¯ Çu¢u§v¨S© °)±7²(³(´ µ”²7³(²¤¶7·¤¸ ¹ ·(³(º » ®v¨S®S¯ §u£ Çv¢v§u¨S© ¼¢m¯ ¯¢ v¾)®v¯ ¿© ȁ¢SÀ ®Çu¢H§v¨v© Á¨ S©4À §H£ £­0®H¨SÀ Çu¢u§v¨H© É 3URGXFW 7SHV • You define and configure product types in Customizing. • They determine different settlement practices and structure characteristics for a product category. • You can select them in Reporting. • They are the basis for all available: - Loan statuses and status transfers - Dialog elements and their related field controls (tabs, tab pages, data fields, optional entries, required entries, etc.) - Conditions
  • 120. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-29 © SAP AG 2006 0RUWJDJH /RDQV (DV $FFHVV New Business Interested Party Ê¢ËbÌCÍ‚Î(ÏÐ2Ë6Ñ7ѧҥÏÏ Application Contract Offer Contract Mortgage Loan Change Display Withdraw or Reduce Reactivate Disburse Create Change Decision-Making Decision Transfer to Offer Create Display Transfer to Contract UHDWH D FRQWUDFW LPPHGLDWHO DFFHVV H[LVWLQJ FRQWUDFWV FKDQJH DQG GLVEXUVH H[LVWLQJ FRQWUDFWV ZLWKGUDZ IURP DQG UHDFWLYDWH ORDQV WKDW KDYH QRW EHHQ GLVEXUVHG (QWHU VHYHUDO FRQWUDFW DOWHUQDWLYHV IRU WKH FXVWRPHU WR GHFLGH IURP 2YHUYLHZ RI SRVVLEOH HQWULHV IRU D PRUWJDJH ORDQ ZLWK WKH IROORZLQJ VWUXFWXUH *LYHQ Ó 7DNHQ Ö 3URGXFW 7SH Ö RPSDQ RGH Ö 6WDWXV 7H[W (QWHU SRWHQWLDO ERUURZHUV DQG WKHLU ORDQ UHTXHVWV IRU UHYLHZ (QWHU FRQFUHWH LQTXLULHV IURP LQWHUHVWHG SDUWLHV LQ UHIHUHQFH WR WKH VWUXFWXUH RI FRQWUDFWV DQG FRQGLWLRQV UHGLW VWDQGLQJ FDOFXODWLRQ DQG FROODWHUDO YDOXH FDOFXODWLRQ KHOS RX UHDFK D GHFLVLRQ RQO ZKHQ 0 LV QRW DFWLYDWHG
  • 122. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-30 © SAP AG 2006 0RUWJDJH /RDQV 6WDWXV 0DQDJHPHQW 2IIHU2IIHU ÔEÕ¥Ö(×(ØFÙ1Ú Ø§Õ¥Ù`Õ§Û7Õ)Ü¤× ÔE×Ý(Õ7Þ1Õ¥Ù`×2Ø7Õ¤Ù`Õ ß Õ7à§Õ¤á§× ß ×à¤Ù RQWUDFW â†ã¢ä7åvæSç§è¤å ç§èè(éBêå#çBäè(é 3ODQ FRPSOHWHG ë0ì êíYæ4îdãï èã¢ä7åvæSç§è¤å $SSOLFDWLRQ ð éçè(åuí ñ§ç7åHéFéä§åvæ4î ò éó é7å4éué0ä§åSæ4î 2IIHUV
  • 123. ô æ4çEä(õï1éæ åHãtã0ï`ïHéæ $FWXDO FRPSOHWHG ,QTXLU ð éç§è¤åuí ñç7å4é ö íå u÷ø'æSç¤ù ã'æ‚æHé7ø™ú§è7é ûüý þÿ   ¡ü ¢£ ¤£ þ¢ üý ¤¢ ð éç§è¤åuí ñç7å4é ö íå u÷ø'æSç¤ù ã'æ‚æHé7ø™ú§è7é ð éç§è¤åuí ñç7å4é ö íå u÷ø'æSç¤ù ã'æ‚æHé7ø™ú§è7é $SSOLFDWLRQ FRPSOHWHG $SSOLFDWLRQ FRPSOHWHG RQWUDFW FRPSOHWHG 'HOHWHG ÔEÕ8Ö(×(ØFÙ1Ú ØÕ¥Ù1Õ7ÛÕ¥Ü¤× ÔEÕ¥Ö(×(ØFÙ1Ú Ø§Õ¥Ù`Õ§Û7Õ)Ü¤× 0DSSLQJ WKH 3URFHVVLQJ 6WDWXV ZLWK D 6WDWXV 6VWHP É RQWHQWV RI 6WDWXV 0DQDJHPHQW • You can define statuses to correspond to each product type, so that you have an exact map of the processing statuses for all your loan business. • Which statuses a loan can or must go through depends on how you set 'HILQH VWDWXV SHU SURGXFW WSH and status transfers (in Customizing). • If the 'HFLVLRQ0DNLQJ function is set to active, you can check mortgage applications regarding the collateral value of an object and the credit standing of a partner and use that information to create offers and contracts. • The status concept does not include inquiries. Inquiries involve separate administration of loan- interested parties, where general information (such as required capital) is entered about potential customers and contracts. É 3RVVLEOH 6WDWXVHV ,QFOXGH • $SSOLFDWLRQ: Can by transferred to offer or contract. • $SSOLFDWLRQ FRPSOHWHG: Intermediate status following withdrawal from application, can be reactivated. • 2IIHU: Several offers possible, a contract results from accepting one of these offers. • 2IIHU FRPSOHWHG: Intermediate status following withdrawal from offer, can be reactivated. • RQWUDFW: Legally binding loan transaction, generates planned records, can be disbursed in part or in full. • RQWUDFW FRPSOHWHG: Intermediate status following withdrawal from contract, can be reactivated. • 3ODQ FRPSOHWHG: Limited functional scope (reversal), can be reactivated. • $FWXDO RPSOHWHG: Preliminary step before master data is archived, cannot implement further processing activities, cannot be reset to an earlier status.
  • 124. InternalUseSAPPartnerOnly InternalUseSAPPartnerOnly © SAP AG FS210 2-31 © SAP AG 2006 0RUWJDJH /RDQV 6WDWXV 7UDQVIHUV 'LIIHUHQW :DV RI $FTXLULQJ D RQWUDFW RQWUDFW$SSOLFDWLRQ 2IIHU 'HFLVLRQ 0DNLQJn RQWUDFW2IIHUq RQWUDFW$SSOLFDWLRQp RQWUDFWo 2IIHU$SSOLFDWLRQ RQWUDFWr É 6WDWXV 7UDQVIHUV • By defining status transfers you can easily adjust processing steps for loan transactions to conform to company-specific work processes. • Which statuses a loan can or must go through depends on how you set 'HILQH VWDWXV SHU SURGXFW WSH and status transfers (in Customizing). • Once you have entered a contract and posted the disbursement, the system creates a corresponding loan position in the balance sheet. A disbursement can only take place when the loan has RQWUDFW status. É 6SHFLDO )HDWXUHV • You always have the option of entering a contract immediately (Way 5 Ö always). • If you allow offers to be a status, you can always proceed to a contract by way of an offer (Way 4 Ö always). • Decision-Making is a special form of application processing for mortgage banking. You can only use it if you are not using ROODWHUDO 0DQDJHPHQW. - If Decision-Making is activated in Customizing, you PXVW continue to process a loan that has $SSOLFDWLRQ status using this function (Way 1 Ö required, Ways 2 and 3 Ö excluded). - If Decision-Making is not activated in Customizing, you FDQ use it (Ways 1, 2 and 3 Ö possible).
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  • 128. ¦ Ò7Ѩ§ Ï©§uΧ ! Loan for applicat. Application 100002001Application no. LM00Company Code SAP AG Lisa Miller Application data Release Indic. Released Decision base Object data Collateral value/credit standing/commitment Offer Contract Loan for applicat. Released Release Indic. 0003 Loan Type 100,000.00 Commit.capital 30A 30A PTyp UNI Curr... Offer100002002 StatusContract 7UDQVDFWLRQ )1,+ 'HFLVLRQ0DNLQJ Application +HUH RX FDQ FUHDWH RIIHUV DQG FRQWUDFWV 2YHUYLHZ RI JHQHUDO GDWD IRU WKH REMHFW 6XPPDU RI EDVLF ILJXUHV IRU WKH VSHFLILHG DUHDV 2YHUYLHZ RI EDVLF GDWD IURP WKH DSSOLFDWLRQ 5HOHDVH VWDWXV IRU %XVLQHVV :RUNSODFH $Q RIIHU DOUHDG H[LVWV IRU WKLV SDUWLDO DPRXQW 6KRZV LQGLYLGXDO RIIHUV RU FRQWUDFWV IRU WKH DPRXQW LQ WKH DSSOLFDWLRQ
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