• Consulting
• Industry Specific Services
• Banking

Banking

Banks focus on customer benefits and customer business and concentrate on their core capabilities while standard services are sourced from skilled partners. This results in an extensive reorganization of the value chains in the market. Sourcing-models and the integration of networked partners are current topics of interest.

An increase in efficiency and associated cost-saving potential are the upshot of process and IT management. Banks with significant international presence can, for example, realize substantial cost savings with cross-border business process alignment and by means of centralization and shared services, while at the same time ensuring service quality.

The current situation in the financial markets places greater demands on risk management and also leads to the imposition of restrictive measures and obligations by regulatory bodies.

We, the S&T Group Banking Division, can help banks and financial institutions to define future demands and to consistently implement the necessary measures, all on the basis of our excellent banking, process and technology skills. And these services can be provided locally due to our presence in D-A-CH, CEE, SEE, China and Japan.


Our services:

• Customer Relationship Management: Operational CRM, Analytical CRM, Business Intelligence
• Process Management: Business Process Measurement, Business Process Engineering, Document Management
• Products and Settlement: Core Banking, Lending, Collaterals, Treasury, Custody
• Risk Management and Compliance: Credit and Market Risk, Asset and Liability Management, Limit Management, Compliance, Statutory Reporting, Anti Money Laundering
• Enterprise Resource Planning
• Enterprise Application Integration
• CIO Services

Customer benefits:

• Holistic consulting services, from strategic planning to processes and system implementation
• Availability of a team of consultants with long-standing experience and a profound knowledge of banking
• Comprehensive IT know-how: standard software and custom-developed solutions
• Strong partners, in the academic community as well as solution providers
• Methodical competence: Our clients benefit from a scientifically developed, tried and proven methodology based on the Business Engineering approach
• Represented in D-A-CH, CEE, SEE, Japan and China

Selected financial services references

Albania	Procredit Bank National Commercial Bank First Investment Bank
Austria	BA-CA Leasing Bank Austria Group BAWAG P.S.K Group Erste Bank Group GE Money Bank GmbH Generali IT-Solutions GmbH Oesterreichische Nationalbank (OeNB) Porsche Bank AG sBausparkasse Vienna Insurance Group Uniqa
Bosnia and Herzegovina	BBI banka Centralna Banka BiH HVB Central Profit banka HVB Leasing Investiciono-komercijalna banka Zenica LRC inžinjering NBB – Nova Banjalučka banka Raiffeisen banka Turkish Yiraat Bank Bosnia dd Sarajevo UPI banka Volksbank
Bulgaria	Unicredit Bulbank DSK Bank Raiffeisen Bulgaria First Investment Bank Central Depositary Bulgaria
Croatia	Centar banka Partner banka Karlovačka banka Hrvatska poštanska banka Hypo Alpe Adria Bank Hrvatska Narodna Banka PBZ Cards Privredna banka Zagreb Zagrebacka banka Croatia osiguranje Allianz Hrvatska Erste Croatia MBU
Czech Republic	AEGON Insurance CAC Leasing Ceska Sporitelna Ceska Pojistovna CITIBANK CSOB Asset Management Czech Republic National Bank Generali Insurance Komercni banka PriceWaterhouseCoopers Raiffeisen stavebni sporitelna ŠkoFin Wüstenrot hypotecni banka Wüstenrot stavebni sporitelna
Germany	AOK/AOK Systems KGAL
Hungary	Magyar Nemzeti Bank
Macedonia	National Bank of Macedonia Komercijalna banka AD ProCredit Bank Macedonia IK Banka Makedonska Banka AD Stopanska Banka AD Tutunska Banka AD QBE Macedonia
Moldova	Banca Socila Energbank Mobiasbanca Moldinconbank MoldMediaCard Moldova-Agroindbank SA National Bank of Moldova Savings Bank of Moldova Victoriabank
Montenegro	NLB Montenegrobank Central Bank of Montenegro Merkur Insurance
Poland	AIG Credit SA AIG Bank SA BGŻ SA BRE Bank SA Fortis Bank S.A. GE Money Bank SA ING Bank Slaski S.A. Mazowiecki Bank Regionalny PKO Bank Polski S.A. PZU SA
Romania	Bancpost SA BRD – Groupe Societe Generale National Bank of Romania Unicredit Tiriac Bank Romanian Commercial Bank – BCR Raiffeisen Bank TransFonD Romanian Savings Bank - CEC
Russia	Alfa-Bank Baltiyskiy Bank Bank of Russia MICEX (Moscow Interbank) Raiffeisen Bank Renaissance Capital Bank Rosbank RosGosStrakh (Russian National Insurance Company)
Serbia	Alpha Bank EFG Eurobank Erste Bank Findomestic bank Komercijalna banka National Bank of Greece National Bank of Serbia Postal Saving Bank (Poštanska Štedionica) Raiffeisen Bank UniCredit Bank Volksbank Wiener Stadtische
Slovakia	Allianz - Slovenská poisťovňa Banka Slovakia CSOB Leasing a.s. Erste Bank (Slovenska Sporitelna) HVB Bank Slovakia Komercni Banka Bratislava NBS (National Bank of Slovakia) OTP Banka Slovakia Poštová banka R+V poisťovňa (Postal Banb) SporDat (SPARDAT) Tatrabanka VUB Wüstenrot
Slovenia	Banka Celje Banka Koper Banka Sparkasse Nova Ljubljanska banka d.d. VZAJEMNA D.V.Z. Nova KBM d.d. Bankart Deželna banka Slovenije d. d.
Switzerland	St. Galler Kantonalbank
Ukraine	CitiBank Ukraine Insurance Company Etalon Insurance Company Providna Nadra Bank National Bank of Ukraine JSCB "Ukrsotsbank" JSB "VaBank" JSC VTB Bank JSB "AlfaBank" Oshadbank Providna Raiffeisen Bank AVAL State Export-Import Bank of Ukraine