OBS-KRE encompasses the online, realtime presentaiton, the processing and the management of all known international credit types. Particular attention was given to the efficient and automated processing of the labour intensive operations with syndicated loans and multi-currency loans. The multi-dimensional data structure ensures that for each credit or loan (master data) the management of the credit tranches, maturities, interest, fees & charges, etc. are easy to handle.

In general, the utilisation of a loan, also mixed within a credit line, can be done as follows:

• Draw-down in OBS-KRE
• Guarantee in OBS-KRE
• Current account loan in OBS-KKT
• Money Market loan in OBS-GDH
• Utlisation through FX or derivative transaction in OBS-GDH
• Utilisation through issuer or delivery risk in OBS-WPS

The calculation of all amounts is fully automated. Similarly the processing and monitoring of all potential payments to and from the borrower, the creation of all necessary advices and limit monitoring is fully automated.

Syndicated loans cater for a tranche relevant management of the underwriters, syndicators and exporters.

Integrated into OBS-KRE is also the realtime disposition, which automatically passes all limit overruns to the credit clerk for approval. All overruns are journalised in a database and shown to the credit clerk for commenting and monitoring.

An important part of OBS-KRE is the management of all collaterals. All collaterals within the bank are revalued on a daily basis (e.g. fixed term deposits, securities, etc.). This also ensures an efficient monitoring of collateral loans.

OBS-KRE, together with the other OBS-Modules caters for correct regulatory reporting as per the Basel II guidelines.