Reduce costs and complexity for banking processes

Manage your business processes with new levels of efficiency and relentlessly drive down costs. With our banking software, you can streamline your core banking processes, reducing complexity and rework.

  • Streamline core banking processes for all major lines of business on the same technology platform
  • Use less time to introduce new products
  • Lower the cost of bank operations
  • Serve customers across more channels

Read Gartner's analysis on the evolving retail core banking software market

Woman using an ATM

Solutions for Core Banking

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  • Deposit Management

    Manage and monitor the entire lifecycle of an account contract, including transactions, agreements, statements, and other related tasks.

    • Automate deposit account processes to decrease the cost per unit handled
    • Implement a single account and contract management tool for all cross-division products
    • Flexibly support evolving products and services
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  • Loans Management

    Manage and monitor the entire lifecycle of a loan contract, including origination activities, all subsequent transactions, agreements, statements, and more.

    • Improve time to market with swift and painless development of new products
    • Automate loans management processes to decrease costs per unit and reduce error load
    • Decrease implementation time and maintenance costs
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  • Collateral Management

    Efficiently track and monitor all collateral-related processes, from creation through risk-exposure reporting.

    • Provide quality data for reserve provisioning and capital adequacy calculations
    • Handle complex lending and collateral relationships typical of corporate customers
    • Link to any credit system through web services
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  • Corporate Loans

    Manage corporate and complex high-value loans for customers with a seamless process that provides end-to end service.

    • Offer corporate customers highly tailored loan management services
    • Cover all back-office processes with a high degree of flexibility
    • Implement a comprehensive lending solution with integration across all relevant components
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  • Corporate Cash Management

    Deliver highly individualized cash management services with deposit and payment products to improve liquidity and interest results for corporate customers.

    • Get one global solution with multi-currency, multi-country, and multi-time zone capabilities
    • Provide automated and extensive support for account and cross-product processes
    • Access highly flexible configuration options to quickly adopt required processes
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  • Payment Engine

    Streamline all payment processes using standardized interfaces with surrounding applications to create one central payment hub.

    • Lower cost of ownership by simplifying processes across business and product lines
    • Gain efficiencies by reengineering payment operations into one central platform
    • Open new revenue streams with a scalable payment platform that supports all channels
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  • Covered Bonds

    Strengthen your bank's capabilities by building up a refinancing platform to issue covered bonds.

    • Benefit from easy handling and transparency of all available assets to be funded
    • Gain an overview of all funding transactions to identify more effective funding
    • Facilitate changes or enhancement requirements from investors and businesses
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  • Lease Management

    Capitalize on new global demand for leased objects by streamlining all business processes of the leasing lifecycle.

    • Take advantage of an end-to-end solution that supports core leasing processes
    • Access a high level of customization through rule-based engines
    • Streamline contact lifecycle management processes, from billing and invoicing to asset tracking
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  • Charging and Billing Management

    Implement real-time rating and fee models for banking services with integrated billing.


    • Rely on an end-to-end solution for consume-to-cash relationship pricing
    • Manage relationship pricing and consolidate disparate billing systems for quick go to market
    • Improve billing and invoicing to support real-time charging, receivables, and payables
    More »

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Find more SAP solution information. Lines of Business Solutions

*All implementation results are for informational purposes only and the examples provided while based on actual SAP customers' experiences do not represent commitments or guarantees by SAP and/or its partners. Actual pricing, costs, and implementation results may vary, based on customer-specific requirements and needs. The only warranties for SAP products and services are those that are set forth in the express warranty statements accompanying such products and services, if any. Nothing herein should be construed as constituting an additional warranty.