IRS Management Information System

This module of the IRS system is able to serve the information needs of the Bank's managers of various levels. During the introduction of the module our staff assesses the expectations differing from the general MIS needs, and build them into the reports enumerated in the details. Our MIS module provides the so-called "drills" with which the database of the given information can also be viewed.

"The information strangles us while we long for knowledge"
– John Naisbitt

The task of the Management Information System is to provide the management with quick, accurate and properly structured information. Relying on this information the management shall make important decisions that influence the whole company's future position, operation, profitability and financial situation. The task of the management information system is to provide information from the bunch of data accumulated in the subsystems of the company for the managers, and in a way easy to understand. The data themselves found in the subsystems of the company are not good for building a management information system on them, because usually they reflect a momentary situation. At the same time the management information system suits for comparing the various statuses of the data gathered from the different areas of the company as well as for statistical analysis. The system offered by us takes these perspectives into consideration is good for preparing the reports parameterised in advance, and within a short time any client-specific report can be produced:

The reports provided by the system

Profitability reports
Business Unit profitability — Department profitability — Regional profitability — Product profitability — Interest revenue variation — Net interest revenue change — Premium income variation — Security revenue variation — Foreign currency profit variation — Profit of derivative transactions — Dividend income variation — Other income variation — Bank operation expenses variation

Assets and Liabilities reports
Balance sheet structure according to clients — Department reports — Regional reports — Liquidity balance sheet structure — Expiry reports — Interest margin report — Interest sensitivity report — Foreign currency balance sheet structure — Department credit portfolio — Department client liabilities — Credit by size —Classified credit portfolio — Credits — Security reports — Reports of derivative transactions — Items covered with collateral — Provisions report — Depreciation report — Risk serious balance sheet structure — Capital correspondence indicator calculation

Besides the Managerial reports the system is suitable for preparing other reports necessary for the business operation. These reports usually provide the base of the managerial reports:

Accounting reports
Balance sheet — Profit & loss report — Cash Flow report — Consolidation data provision — Alternative reports (IAS, US GAAP)

Controlling reports
Planning — Expense allocation — Profit allocation — Plan—actual analysis — Performance evaluation — Pricing — Usage— analysis — Risk analysis — Risk definition — Provision calculation

Financial reports
Buyer—supplier analysis — Liquidity report — Apeh (Tax and financial supervision) reports — Contract registry

Marketing reports (CRM)
Customer acquisition — Introducing new products — Campaigns — Direct marketing