 EXPERIENCES / DESIGN THE EXPERIENCE AND THE CONTINUOUS SEARCH FOR THE LATEST NEWS IN THE TECHNOLOGICAL FIELD ALLOW US TO PROPOSE US AS AN IDEAL PARTNER IN THE REALIZATION OF PROJECTS, FOLLOWING THEM FROM ARCHITECTURAL DESIGN UP TO TESTING & QUALITY ASSURANCE (QA). Here are some of the projects that SIDE SOFT has designed and implemented for its customers: DASHBOARD OPERATIONAL DECISIONAL RISKS It is a web application, designed and built by SIDE SOFT with embedded hierarchical navigation of the company organization chart, which allows users to evaluate and monitor constantly credit risk, operational risk, financial risk and therefore the related synthetic risk of the Retail Business Unit and analyze the situation. The Controls Monitor allows you to select a territorial area you want to control (with zoom up to the Branches) and immediately view the summary risk index of the last 12 months and the last working day. By default, when the Monitor is opened, the synthetic risk index of the unit is displayed at the highest level of the user hierarchy who is connecting. From the synthetic risk index it is then possible to view, for the same area, the indices relating to the three risk categories that determined it (Credit, Operational, Financial). Consequently, for each single category it is possible to check the indices of each related Item which, when appropriately weighted, determined the calculation. The Monitor goes up to display the objective data relating to a certain period, which produced the single index of an Item (eg the number of overrun accounts of the area in question, grouped by number of overrun days). The dashboard currently provides data relating to the following areas: Credit risk • Overruns • Unpaid installments • Credit quality • Overdue reviews • Expired ratings • Positions with anomalies Operational risk • Incomplete mortgages • Digitization of investments • Digitization of pledges / guarantees • Master data anomalous Financial risk • Capital adequacy • Profiling evolution • Market risk • Share concentration • Bond concentration • Order concentration • Retail capital losses Forborne management application The launch in 2014 of the Asset Quality Review (AQR) has raised, both in Italy and in the rest of the European Union, the level of attention on the classification of loans, in particular on non-performing loans "forborne credits ”, ie the exposures subject to forbearance activities. These are "forbearance measures" granted by banks to debtors who find themselves, or are about to find themselves, in difficulty in meeting their financial obligations (see "financial difficulties"). In order to comply with the reporting requirements, up to now the client used an algorithm for the recovery of the forborne positions based on an ex-post concept. With the introduction of this new application, together with the implementation intervention on the vertical applications of disbursement of the concessions of Forbearance, it is intended to move to a management of the forborne that allows to intercept ex-ante the conditions that qualify the potential financial difficulty of the debtor. In this way, it will be possible to subject Forbearance's concessions to the expert evaluation of the decision-making bodies before they are disbursed and therefore before attributing the Forborne status to the relationship. In order to formalize the forborne assignment process and the related monitoring as well as the sending of information to the applications in charge of reporting to the supervisory bodies, SIDE SOFT has created a new application that briefly performs the following functions: • Archive the previous of the forborne reports; • Identify the counterparties in a state of "Financial Difficulty"; • Display the above information to the applications that approve / disburse the credit in order to allow them to determine the “Potential Forborne”; • Trace the resolution of the forborne (conscious resolution); • Monitor and authorize forborne status changes (Forborne NON Performing / Forborne Performing / NON Forborne) and related changes in the observation periods (cure period and probation period '); • Historicizing the basic information of the calculation, the data of the Forborne resolution and the data of the report in order to produce the required reports. The application is fed daily through daily batch flows with the following information: • Forbearance concessions and related forborne approved / finalized • Statuses of default • Overdue / overdue relationships The data on financial difficulty are made available by application to the following management / ledger systems of the Customer: • Loans and Guarantees • Portfolio • PEF - Electronic Loan File • Management of the Loan • Mortgages • Leasing • Factor Management of signature powers It is a application product developed by SIDE SOFT to optimize the management of signature powers in a distributed environment that is adequately integrated with the rest of the information system. The application was developed in order to manage signature powers of various kinds, in particular: • Powers of signature of the holders of a relationship • Proxies • Telematic proxies The services currently envisaged for entering proxies are the current account and the savings deposit. The software manages the insertion, modification and cancellation of delegates, and related operations. The two types of signature are also managed: • Joint • Separate The software, once the definition of the signature powers has been completed, is responsible for generating the forms that will be printed to be signed by the parties involved. SIDE SOFT SRL WITH SINGLE SHAREHOLDER P.IVA 02514930367 CORPORATE DATA CREDITS COOKIE POLICY PRIVACY DISCLAIMER ENG This site uses technical and analytics cookies, and allows the sending of third-party cookies. By continuing to browse, you accept the use of cookies. More information . I accept cookies from this site. I ACCEPT