Solutions for Real Estate based credit risk management

Orgaplan GmbH

www.orgaplan.info

A Company ofRealEstate Innovation

www.RealEstateInnovation.info

Intern use only

10.04.2310.04.23

Products & Solutions for

Real-Estate based

Credit- & Risk Management

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© 2011 Orgaplan Sheet 2 of 13

Different solutions in the area of Credit Risk !Credit Rating platform

Bosch Software Innovation

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Different solutions in the area of Credit Risk !Credit Rating platform - description

Bosch Software Innovation

Transparent Implementation of Credt Risk Rating Models The Model Authoring Platform is the core component for creating and maintaining credit risk rating

models. The Visual Rules Modeler offers a particularly intuitive approach to the graphical implementation of internal rating models. The representation of logic mimics human

thought processes, making it extremely well suited for use by business people. Along with rating logic, the user interface elements are also specified. The results are rating models and the User

Interface (UI) models that are required for seamless operationalization. Dynamically Generate User Interfaces for Credit Analysts

Qualitative risk factors are often involved in the assessment of default probabilities, and loss severities and must be evaluated. To that end, the web-based user interface elements (such as data

entry screens) required for the operational rating process are generated dynamically from the UI models. Model changes (for example, the addition of qualitative factors) can thus be transferred directly to the interface. The result? Maximum flexibility of both rating model and user interface.

Perform Credit Risk RatingsThe Rating Manager supports the credit analyst in performing and managing credit risk ratings in a web-based environment. This component provides the required menu structures to select the rating

model and the dynamically generated interfaces for the data entry and results dialogs. Bosch Software Innovations’ Rating Manager can fulfill the most complex requirements of any rating

process.

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Different solutions in the area of Credit Risk !Security Tradings and Risk management

PDV Financial Service

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Different solutions in the area of Credit Risk ! Security Tradings and Risk management - description

PDV - DecideIntegrated functions for trading, position keeping and risk management

DECIDE™'s core modules cover three different areas: Trading and position keeping, risk management and decision support. Utilising a common user interface, the system supports trading via electronic trading

platforms and ECNs as well as OTC trading.

With the DECIDE™ base system, you can trade a wide variety of standard tradable instruments, containing equity cash instruments and equity derivates (including a set of exotics), interest rate cash instruments and

interest rate derivates such as swaps, swaptions, caps, floors or collars as well as more complex and innovative instruments such as swapnotes or structured products.

The DECIDE™ position keeping system can be customised for the specific needs of your trading floor, including adapting it to the respective trading processes and the specific organisation and hierarchy of trade ledgers. In addition to the standard real-time position overviews, the system also provides management with

constantly updated aggregated P&L statements which can be freely configured to contain only special ledgers or an aggregated view over several ledgers, covering one or many trading floors.

The DECIDE™ risk management functions provide accurate tracking of credit and market price limits. With its sophisticated decision support functions, DECIDE™ has a powerful tool for trading and asset

management departments to optimise their respective positions. Both cash instrument and derivate positions can be precisely adjusted to reflect expected market developments markets und risk limits.

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Different solutions in the area of Credit Risk !Reserve for Bad Debts (SAP RBD)

iBS – Innovative Banking Solutions AG

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Different solutions in the area of Credit Risk !Reserve for Bad Debts (SAP RBD) - Description

SAP - RBD - Reserve for Bad Debts

Formation and Evaluation of Risk PortfoliosIdentify and evaluate individual risks, for example based on arrears -> Creation of risk provisioning proposals

Posting of Risk ProvisioningInitial appropriation Additional appropriations in the event of outgoing payments or increase of risk Resizing/clearing in the event of incoming payments or reduction of risk -> Adjusted risk provision portfolio

Accounting for Bad Debt LossesUsage of value adjustments and Write-off of outstanding receivables -> Value-adjusted credit positions

Intern use only

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Different solutions in the area of Credit Risk ! Reserve for Bad Debts (SAP RBD) - Description

SAP - RBDEfficient 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 Ger man 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

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Different solutions in the area of Credit Risk !CashflowSync – RE-based Assets & portfolios

CONact-Solutions

CashflowSync

CASH CASH FLOWFLOWSYNCSYNC

Legal / Legal / Tax AdvisorTax Advisor

ServicerServicerImprovementImprovement

Asset Asset ManagementManagement

Draft Check /Draft Check /Due DiligenceDue Diligence

Property Property ManagementManagement

Sales / Sales / PurchasePurchase

Financial InstitutionFinancial Institution

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Different solutions in the area of Credit Risk !CashflowSync – RE-based Assets - Description

CashflowSync

The aim is to generate the optimum for all involved parties from failed real-estate business drafts or defaulted loans. The main functional characters of the application deal with the redevelopment and the implementation of drafts for real-estates with problems. The main target group for the product are real estate servicer and workout departments of financial institutions. The goal is to help real-estate out of bad running credit commitments back to an effective intrinsic value and to put the real estate again on

the market. Of course, under the premise to generate high sales values for the financing bank as well as for the debtor. As a basis we integrated the hole Due Diligence process for big portfolios.

The application allows the real Estate servicer to offer his customer more quality, transparency and certainly. By using good software he is also able to generate more business The combination of real-

estate economic knowledge of our partners and the use of the most modern technical systems allows us to create transparency and trust. From the beginning you have the possibility to enter, evaluate and

generate all information like tenant lists, contracts, documents, pictures, plans (CONactor-DMS) location-independent. Therefore all data are visible and callable for all project managers and their customers at all time. Furthermore it is possible to transfer information, data and documents in any target system (SAP, Crystal Reports, Excel, etc) This saves not only time, but also avoids mistake, which normally appear

from manual transfers. The professional transaction market in the real estate sector is extremely heterogeneously and still very young. In this respect we have developed together with a client for the professional exit market a portal solution which covers the whole area of sale and evaluation process of portfolios or single real-estate.

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NPL-Market, Bad Bank other Exit-Strategies

Introduction of the NPL-Market, some actuell Trends and observations concerning Exit-Strategies and

Exit procedures of Banks and financial institutions plus some recommendations and advices

Non Performing Loans, NPL, Asset-Management, Servicing, Distressed Asset, Realestate Immobilie, Bad Bank, SIP, Caja, workout, Credito fallido, credits en détresse, Troubelshooting, Due Diligence, Business Case, incentive care, ICD, Pfandbriefbank, Eurohypo, Portfolio ; Exit - Strategy, Immobilienfond, Software Orgaplan CONact, CashflowSync, RE-lifecycle, Kowollik, deuda

morosa, Property Management

Italian:Mercato NPL, Recupero Credito, Bad Bank e altre Strategie di Vendita -Italiano

Introduzione del Mercato NPL,

alcune Tendenze e sviluppo di Strategia di venditá / Exit delle Banche eanche spiegare il processo di Exit con alcuni raccomandazioni e consigli

Non Performing Loans, NPL, Asset-Management, Servicing, Distressed Asset, Realestate Immobilie, imueble, Casa, Recupero Credito, Bad Bank, SIP,Sistema integrada protection, Caja,workout, Credito fallido, credits en détresse, Troubelshooting, incentive care, ICD, Pfandbriefbank, Eurohypo, Portfolio ; Exit - Strategia, Immobilienfond, Software , Orgaplan CONact, Unicredit,

CashflowSync, RE-lifecycle, Kowollik, deuda morosa, UEN, Union Estates Network, lucidi, vendittelli, UCCMB, italfondiario, Due Diligence, Portal-Software, Web-Solutions, Property, Property Management, Amministrazione immobiliare, Condominio, ciclo di vita del Immobile, fundos immobiliarios, NPL Exit-Strategies investors "Real estate" Workout "innovative Solution" partnership Portfolio "Intensive Care" "Risk Management" "Risk partecipating" Successful "distressed Asset" Future

Kowollik Kowo Servicing Hedgefund Investement NPLfond icd cashflow cashflowsync conactor Software AMSync Orgaplan Mquadra UEN lucidi "intensive Care" Pfandbriefbank "Non Performing Loans" Portfolio Websolution "Bad Bank" SIP Eurohypo, UCCMB, italfondiario, DocRating, Troublshooting, "credits en détresse" "credito fallito" Recupero Credito Kowogroup, CONact, Orgaplan,

Kowollik,Bad Bank, SIP, Caja, workout, Credito fallido, NPL, credits en détresse,CashflowSync, Troublshooting, ICD, Portfolio,CashflowSync,UnionEstatesNetwork, RE-lifecycle, Kowollik, deuda morosa, Property Management consultant, Agent, Due Diligence, DocRating, lucidi, Eurohypo, UCCMB, italfondiario,Non Performing Loans, NPL, Asset-Management, Servicing,

Distressed Asset, Realestate Immobilie, WebSolution, Portal, Property-Management, Real estate, casa, immueble, Recupero Credito, Cashflow, Agent, ICD, Software, B2B, Sales, condominioNPL-Markt, Bad Bank und andere Exit-Strategien

Wir stellen den NPL-Markt vor, um danach aktuelle Trends

und Entwicklung von Exit-Strategien der Finanzinstitute aufzuzeigenals auch die prinzipielle Vorgehensweise und einige Tipps/ Empfehlungen

Non Performing Loans, NPL, Asset-Management, Servicing, Distressed Asset, Realestate Immobilie

Bad Bank, SIP, Caja, workout, incentive care, ICD, Pfandbriefbank, Eurohypo,Portfolio ; Exit - Strategie, Immobilienfond, Software Orgaplan CONact,

CashflowSync, RE-lifecycle, Kowollik

Our expertises

• Advisory / consulting to active crisis management in the european real estate industry.

• Softwaresolutions to manage the life cycle of real estates / portfolios.

• Strong international orientation, based in Germany and Italy.

• Experiences with workout and intensive care departments / distressed assets / special opportunities.

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Target companies for these solutions / Services

• Deutsche Pfandbriefbank• FMS Wertmanagement• Erste Abwicklungsanstalt• Goldman Sachs• Eurohypo • Commerzbank• Deutsche Bank• WestLB• HSH Nordbank• Unicredit Credit Management

Bank• GE Capital RealEstate• Barclays Bank• Royal Bank of Scotland• Gabetti • Soffin• Credit Agricole• BNP Paribas• JP Morgan• merrill lynch• Intesa SanPaolo• Monte Paschi di Siena MPS• UBI• Ing Real Estate• ING - Diba

• Lonestar• Hudson Advisors• Archon• Immofori• FMP Forderungsmanagement• Orgaplan • Hatfieldphilips• LNR Partners• Värde Partners• Apollo Management• Knight Capital Croup• Toscana Finanza Spa• CarVal Investors• Pirelli Re / Prelios• Jupiter Asset Management• Cown Westfalen• First Atlantic Real Estate• Halcyon Asset Management• Lazard• Assetgate• Lindorff• Hoist Group• Silverton Advisors• European Resolution Capital • Carlyle Group• HVB Immobilien• EH Estate• Aareal Estate

• Italfondiario• Hudson Advisors• Archon• Blackstone• Union estates Network UEN• Vesta Asset Management• Domusvenda• Serverdept• Debt Exchange

AnaCapREAG

• FinSolutia S.A.• Link Finanzas• Taurus Iberiaca Asset• Bouwfond / Rabobank• CONact • Avenue Europe Management LLP• Calyon

Clayton Euro Risk• Aladdin Capital Management• Multigestión Iberia

• CB Richard Ellis• Price Waterhouse Coopers• KPMG• Deloitte & Touch• Ernst & Young

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Legal Note

Orgaplan Zum Feldberg 1 – 3

61389 Schmitten

Tel. +49 (6084) – 95 02 00

Fax +49 (6084) – 95 02 05

e-Mail: [email protected]

Web: http://www.realestateinnovation.info

Web: http://www.conactor.info

More Information on: http://www.slideshare.net/CONact

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Solutions for Real Estate based credit risk management

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