SAP Reserve for Bad Debts (SAP RBD)

More efficency, more transparency

SAP RBD provides a comprehensive set of features that facilitate the risk provisioning process and ensure that you always have exact information to assess risks.

• Central management of all risk provisioning activities in one application
• Increased efficiency due to maximum reduction of the manual effort
• Daily overview of your risk provisioning positions and their development
• Comprehensive information database including data provision reporting
• Transparent and audit-compliant documentation

Reliable standard software, fully integrated into SAP ERP

• Eliminates stand-alone software and therefor reduces the complexity of IT-systems
• Connected to all relevant ERP modules, interfaces to external systems
• Ensures data consistency within SAP ERP
• User-friendly with familiar SAP user interface

Efficient Risk Provisioning Management for Your Credit Business

SAP Reserve for Bad Debts features all required functions for risk monitoring, risk provisioning and risk realization in one central application.

• Credit risk provisioning in accordance with IAS39 and IAS37 as well as Ger­man and Austrian GAAP (HGB and UGB/BWG). Support of IFRS9 currently under evaluation.
• Single risk provision at the levels of the risk units partner, finance project or contract
• Flat-rate risk provisioning depending on the risk classification (e.g. dunning level)
• Calculation of risk provisions based on predefined, customizable rules
• Real-time transfer of all changes that are relevant for the balance sheet to financial accounting
• Automatic data provision for internal and external reporting

Modeling the Credit Risk Provisioning Business

Process in SAP for Banking

Modeling the credit risk provisioning business process in SAP for Banking

SAP RBD models all business processes associated with risk provisioning for your credit business:

Seamless integration into SAP ERP

SAP Reserve for Bad Debts is part of the industry solution SAP for Banking. The software is delivered as SAP component FS-RBD with the application component EA-FINSERV. SAP RBD is integrated into the maintenance and release processes of the SAP.

Linked to all relevant SAP components

SAP RBD is implemented as a central subledger with separate mas­ter data and flow data manage­ment. The application is connected to all SAP components that are relevant for risk provisioning:

• SAP Loans Management for Banking, Suite Edition (SAP FS-CML)
• SAP Collateral Management for Banking, Suite Edition (SAP FS-CMS)
• SAP Deposits Management for Banking (SAP FS-AM)
• SAP Deposits Management for Banking, Suite Edition (SAP IS-B-BCA)
• SAP General Ledger Accounting (SAP FI-GL)

In addition, SAP RBD features standardized interfaces to link external systems.

Customizing

SAP RBD can be flexible parameterized to adapt to your institution's specific needs.

Our expertise for your success

SAP RBD is a solution developed and mantained by iBS on behalf of SAP. On request, our experienced solution specialists, together with selected partners, help you to implement the solution and adapt it to your individual requirements.

With their technical and professional expertise, they form the link between departments, IT, and external service providers. This, together with the iBS test factory, which actively supports the planning, execution, and assessment of testing activities, ensures successful project outcomes every time.