Company Profile. Sparkassen-Finanzgruppe. S finanz informatik
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1 Company Profile Sparkassen-Finanzgruppe S finanz informatik
2 02 Key figures Strategy Key Figures Finanz Informatik at a glance 1) June 30, 2013 Financial data (2012) Balance sheet total (million ) Sales revenues (million ) with savings banks 689 1, Service data Supported savings banks Balance sheet total of savings banks (billion cumulative, 2012) Book-entry items (billion) Technical transactions (billion) ATMs Statement printers Other self-service terminals Accounts (million) Online banking accounts (million) 422 1, ,074 15,369 13, Employees 2) 4,765 1) including five subsidiaries 2) Full-time equivalents
3 03 Strategy Finanz Informatik, headquartered in Frankfurt am Main, is the IT service provider of the Savings Banks Finance Group one of the largest savings and loans institutions in Germany and Europe. Our customers include 422 savings banks, 8 federal state banks and DekaBank, 10 state home loan banks as well as various other companies within the Savings Banks Finance Group and the financial service sector. Finanz Informatik provides a full range of IT services, including the development and implementation of IT solutions, networks and technical infrastructure as well as data processing centers, consulting, training and support. With our highly efficient OSPlus comprehensive banking solution, we have one of the leading IT systems in the German retail banking sector. Our portfolio includes other IT services and solutions from subsidiaries and partner companies such as Finanz Informatik Technologie Service, Finanz Informatik Solutions Plus, Star Finanz and inasys. Finanz Informatik is responsible for servicing million accounts. Each year, we handle nearly 90 billion technical transactions. In 2012, we employed 4,765 people and generated about 1.4 billion euros.
4 04 Strategy Dear Customers, Partners and interested parties: At the end of 2012, we completed the five-year migration and consolidation phase following the last major merger into Finanz Informatik. We achieved the objectives set for this period and are proud to have exceeded them. Our comprehensive IT banking solution OSPlus is now deployed in German savings banks and numerous federal state banks. The reduction of costs achieved for the savings banks were over 350 million euros more than promised. In addition to our core business with savings banks, we are currently positioning our services with the associate partners of the Savings Banks Finance Group. In Finanz Informatik, the Group now has a consolidated, common, high-performance IT service provider. Who would ever have ever imagined that, given 11 independent savings bank IT service providers 15 years ago? This achievement shows that we have taken the right steps. But we may not rest on our laurels. We need to set the course for continued success in the future and contribute to strengthening our customers competitive edge. To that end, we will further develop our service portfolio around OSPlus and deliver solutions to market trends such as mobility and digitalization. At the same time, we need to continuously scrutinize our strategies and structures. In 2012, we took an important step: Together with our stakeholders and labor relations partners, we consolidated our locations to improve our corporate structures and increase efficiency. We will continue to pursue this course to make Finanz Informatik fit for the future and attractive to our customers in the Savings Banks Finance Group. You can learn more about our focusing range in the 2012 business year on the following pages. We hope this information will give you greater insight into our operations and objectives. Fridolin Neumann CEO
5 Key figures 05 Strategy
6 06 Strategy Revenue in m EUR Savings banks' costs in m EUR 1,597 1,525 1,466 1,453 1,424 1,193 1,106 1,047 1, Lowered costs Finanz Informatik s positive development of costs continued in 2012
7 07 Strategy Expanded services increased efficiency Focused further development of OSPlus Competitive mobile and online offers Expanded IT cooperation within the group Improved value for money Strengthened IT performance of savings bank group The sovereign debt crisis in the eurozone, the overall difficult economic situation and the continuing tense environment in financial markets dominated the scene again in At the same time, major market trends such as mobility, digitalization and social media significantly influenced the banking business. As market leaders, the savings banks powered by their IT systems were required to offer competitive solutions. They also faced numerous regulatory requirements, especially the Single Euro Payments Area (SEPA) implementation in The systematic expansion of OSPlus and the services around this comprehensive IT banking solution as well as further efficiency improvements were the focus of Finanz Informatik in Moving ahead, we will strive to make the solution easier and more extensive. Standardization, test cases, process support and rollout services are requirements of the financial institutions that we are addressing. Systematic expansion of OSPlus
8 08 Strategy Investments of 120 million euros Targeted development of OSPlus OSPlus is the heart of Finanz Informatik s service offering. Every year, we invest about 120 million euros in further developing this comprehensive IT banking solution. In 2012, we introduced a number of new features in versions 12.0 and 12.1 aimed at offering customers a competitive differentiator and meeting their regulatory requirements. These were in the scopes of multi-channel distribution, bank management, credit support and payments. Key objectives in 2012 included the development of banking applications and solutions for investment consulting as well as the preparatory measures for the SEPA implementation and the introduction of the new BAIS regulatory reporting software. Top four position in current ibi website ranking Competitive mobile and online services Mobility is the driving force in today s society. Not surprisingly, every savings bank in Germany today offers online banking and mobile financial applications. Meanwhile more than 37 million accounts supported by Finanz Informatik are online accounts. Consequently, the basis for using other online offerings of the savings banks is growing. With the Internet Filiale (Internet Branch), we provide a modern and attractive technical platform for savings banks to maintain a virtual presence. Four savings banks that use our Filiale solution have secured the top four positions in the current website ranking of the renowned Institute for Banking Innovation (ibi) at the University of Regensburg. This solution manages all online business processes for savings banks efficiently and seamlessly. It enables the entire dialog with customers, from the initial contact to the final sale of all savings bank products, to be conducted online. IF mobile and S-Apps Early on, we began offering our savings bank customers online banking solutions for smartphones and tablet PCs. As part of our basic offer, we provide a special type of the Internet Filiale IF mobile with selected business processes and the S-Apps Sparkasse and Sparkasse+. The number of downloads speak for the success of the mobile applications: More than 4 million financial apps have been downloaded since early 2013.
9 09 Strategy The focus in 2012 was on providing the Berater-App (consulting app) for ipads and developing the Internet Filiale further. The growing use of mobile devices such as smart phones and tablet PCs in savings banks poses a challenge for them to integrate these devices in their existing IT infrastructure. In 2012, Finanz Informatik intro duced Mobile Services, a complete solution for the secure installation and management of mobile devices. Integration of smart devices Additional OSPlus services The organizational area of a savings bank faces a number of complex requirements today. These include technical modifications of products and processes and the administration of two OSPlus versions per year as well as their maintenance. To ease the workload, we offer savings banks comprehensive services as part of our OSPlus setup and administration. Savings banks are thus able to focus on designing their products and processes and making more targeted and effec tive use of OSPlus. Last year, 89 of them benefited from the services at various levels. OSPlus setup and administration With its business process solution GPS (Business Process Solution), Finanz Informatik also provides a support tool that savings banks can use to standardize and simplify process steps. The tool allows them to combine individual technical functions into a standard process. Linking the functions can be administered individually. Through an effi cient business process control, the support tool also accelerates internal processes, avoids duplicate tasks and reduces errors. It was used successfully by savings banks in A support tool to standardize and simplify processes Intensified IT cooperation within the group In 2012, in addition to its core business with savings banks, Finanz Informatik continued to drive IT cooperation within the group. In November 2012, we signed a letter of intent with a number of state home loan banks to provide an OSPlus LBS structure as a core system for the home loan IT operations of the Savings Banks Finance Group. This blueprint, which serves as basis for the responsible bodies of the participating partners to make decisions, was completed in the first half of For technical credit card processing, we are developing a new solution in two steps for PLUSCARD and the Bayern Card-Service (BCS) with a total volume of nearly 8 million cards. We have successfully completed the first phase with the PLUSCARD family and friends application. The second phase is currently underway as a joint solution for the PLUSCARD and BCS processors. Together with Landesbank Baden-Württemberg (LBBW), we have jointly developed a design for the federal state bank s planned IT outsourcing. In the area of public insurers, we have begun developing an OSPlus insurance frontend together with SparkassenVersicherung. This project and others show that the One System Plus principle has begun to establish itself within the group and that Finanz Informatik is able to take on new tasks to increase efficiency for all participants. "One System Plus"- Principle established within the group
10 10 Strategy Savings about 350 million euros Significantly improved value for money In the past year, Finanz Informatik was able to reduce costs despite the wide expansion of its services. We achieved additional savings of nearly 40 million euros over our original target. The efficiency gains for the savings banks amounted to about 350 million euros, based on the five-year business plan of the merger in We have been able to reduce not only our central IT costs but also local decentralized costs over the years. Savings of up to 20 percent have been common in the past few years. Outsourcing as the primary driver A primary driver of those savings, in addition to the efficiency gains, has been the outsourcing of savings banks IT systems and applications to Finanz Informatik. We offer a growing range of outsourcing services. More than 300 savings banks, for instance, currently use our servers for OSPlus-Arbeitsplatzanwendungen (workstation application) or for individual applications. More than 330 of them relay on our advanced OSPlus-Netzwerk (network solution, OSPN). We expect more savings banks to join in OSPlus-Telefonie (telephony) and OSPlus-Zeitwirtschaft (time management) In 2012, we were able to successfully test the OSPlus-Telefonie (telephony) solution, which offers savings banks further efficiency gains due to its direct link with office communications, connection to the central ISP call-center platform and the OSPlus-Zeitwirtschaft (time management) solution. A focus in the coming years will be on the central provision of technical infrastructure. From a total IT cost perspective, savings banks will benefit significantly from higher quality and security. Services consolidated at three locations Improved corporate structure An important step was taken to optimize internal structures, reduce interfaces and increase efficiency with the decision on May 24, 2012, to bundle services previously provided at nine locations into the three locations in Frankfurt, Hanover and Münster, effective January 1, With the ver.di trade union, we agreed to a collective social plan that lays down the implementation framework and that serves in the best interest of the employees and the company. With this step, we have paved the way to combine the tasks and teams at three locations in a move to respond faster and manage the company better.
11 Strategy 11 of Finanz Informatik Dr. Rolf Gerlach (Chairman), President of the Association of Savings Banks of Westphalia-Lippe Shareholders Meeting of Finanz Informatik GmbH & Co. KG Thomas Mang (Chairman), President of the Association of Savings Banks of Lower Saxony Shareholders Meeting of Finanz Informatik Verwaltungsgesellschaft mbh Theo Zellner (Chairman), President of the Association of Savings Banks of Bavaria Management Board of Finanz Informatik Fridolin Neumann, Chairman of the Management Board
12 Finanz Informatik Theodor-Heuss-Allee Frankfurt a.m. / Germany Phone Fax kontakt@f-i.de
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