The powerful Pfandbrief software for credit institutions
TXS Pfandbrief is an IDW PS 880-certified Pfandbrief software for the efficient control and management of cover pools at credit institutions. The solution helps banks reliably comply with regulatory requirements and automate processes in Pfandbrief management.
Data quality assurance
Automated checking and validation mechanisms ensure the completeness, consistency and plausibility of all cover-relevant data and provide a reliable data foundation.
Cover register management
Audit-proof and regulatory-compliant management of all cover assets, including seamless historisation and transparent traceability.
Cover calculation
Precise and audit-proof calculation of the cover pool, taking into account regulatory requirements and over-collateralisation requirements.
Cover reporting
Audience-specific, transparent reports for internal management as well as for external regulatory reporting and audit requirements.
Modules of the TXS Pfandbrief software at a glance
The Harmonised Transparency Template (HTT) is an international transparency format for investors, analysts and supervisory authorities.
TXS Pfandbrief enables the automated population of the HTT on the basis of an integrated report. For German issuers, the “vdp Export” module is also available for transmitting the required key figures to the vdp and the ECBC.
Your benefits
- Reduced workload thanks to automated data generation
- Minimised operational risks and improved data quality
- High data consistency and international comparability
The templates provided by the rating agencies Fitch, Moody’s and Standard & Poor’s are automatically populated by TXS Pfandbrief with relevant data from the mortgage and public Pfandbrief and produced as a report. Individual customisations and the anonymisation of selected content are possible at any time.
Your benefits
- Reduced workload thanks to automated rating report generation
- Minimised operational risks and improved data quality of the cover pool
- High data consistency through standardised processes
- Plausible reporting thanks to separate individual records at single-transaction level
Manage sustainable transactions efficiently
With TXS Pfandbrief, securities and mortgaged assets can be classified as sustainable – for example as a “Green Bond” via the “Green” sustainability category. In addition, sustainability certificates and energy performance certificates can be stored as supporting evidence.
Calculate sustainable transactions transparently
The integrated “Green Bond” sustainability module enables a targeted present value calculation of sustainable transactions, considering only the corresponding cash flows or proportions.
Meaningful sustainability reporting
A separate sustainability report provides detailed analyses – for example by certificate type, remaining maturity, country, size class or type of use. In addition, a key figure for the volume-weighted remaining maturity is reported.
Flexible for future requirements
The modular extension package supports sustainable refinancing strategies such as “green”, “social” or “regional” and delivers suitable reporting for investors, rating agencies and other stakeholders.
The treasury and liquidity management of banks has changed fundamentally since the financial crisis. The classic refinancing mix of customer deposits, capital markets and own funds is operating under new market conditions. Phases of low and negative interest rates as well as the active role of the ECB call for a re-evaluation of traditional management models.
TXS Refinanzierungsregister supports banks in efficiently managing modern refinancing strategies and tapping into new market access opportunities. Through active and transparent management of assets, additional refinancing potential is unlocked and liquidity structures are sustainably optimised.
Security and Compliance
Continuous monitoring ensures that all regulatory and institution-specific requirements relating to the respective cover pools are met. This minimises regulatory risks and creates maximum transparency.
To find out more about FINNOFLEET’s security standards and compliance structures, please contact us at info(at)finnofleet.com. We will be happy to provide you with all the relevant information personally.