Leanus for Banks - User Manual

Main sections of the Manual: Content index | First Access? Basics | Time-saving functions |

The new bank model at the service of businesses

Interview with the General Manager of Banca CRS Emanuele Regis

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Because the banking system uses Leanus

Leanus makes it possible to enhance (and in some cases replace) the tools in use by the Central and Territorial Departments without incurring integration costs or carrying out interventions on the machine park and to support some fundamental processes for the banking business.

Business cases

Extraction of target business lists

Reclassify a balance sheet or accounting situation

Developing a Business Plan for a Startup

Research and analysis of competing companies – The Benchmark

Leanus for Banks

SMART TARGETING

Thanks to a powerful search engine and the connection with Italian and foreign databases, it is possible to identify companies that have a credit requirement and immediately verify the guarantee coverage by the Fund, the coherence with the rules and KPIs of the Credit Department and much more.

How to analyze a market segment with Leanus

CREDIT MONITORING and SCENARIO SIMULATION (LOM/AQR, WARNING SYSTEMS)

It is possible to simulate the impact of Economic Shocks, such as COVID-19, both on portfolios and on individual companies, verifying in real time the effects on the economic profile, balance sheet, cash flows, lending capacity, DSCR, rating and prospective risk, LOM, credit policies

The simulations allow you to get output too the Civil Scheme and the AQR 1 Scheme relating to the projections on the basis of which the Bank can feed its own procedures for calculating ratings and capital provisions with a view to "Forward looking".

EBA BANKIT: Credit Monitoring for Moratoriums, Forborne and Stage 2

AUTOMATIC LOADING OF BALANCE SHEET AND ACCOUNTING SITUATIONS

Leanus allows, without manual typing but through an automatic upload, the loading and immediate reclassification of balance sheets and accounting situations collected directly from the customer (e.g. last year's balance sheet not yet filed, quarterly situations, SAS/SNC balance sheets). At the same time as the loading, all the analyses normally required for official balance sheets are processed. It is also possible to automatically process schemes and algorithms for feeding internal procedures (e.g. AQR 1 schemes, AQR schemes, Indicators,..)

From the PDF of an accounting situation to a complete analysis in one click!

CREDIT ASSESSMENT (BUSINESSES and FIRMS)

Leanus allows you to analyze both historical data and projections of the Economic, Equity and Financial profile through a very in-depth analysis model (Income Statement, Balance Sheet, Cash Flow Statement, Sector KPIs, Attention Points, Central Medium-Credit Band, *AQR/LOM Dashboard, Crisis Indicators, etc *). Analysis templates and reclassifications can be user-defined. Each analysis or indicator can be analyzed over the entire time span of the company life. Thanks to the different methods of loading proprietary data, Leanus also allows you to analyze the provisional accounting situations or financial statements of companies.

Creditworthiness analysis - common practices and errors

BENCHMARK PROCESSING

All analyzes carried out for individual companies are compared with sector benchmarks and above all with competing companies selected by name.

The search for targets - the Ateco can lead you into error

BUSINESS PLAN DEVELOPMENT IN INBOUND AND OUTBOUND

Leanus allows both to develop the business plan (complete with Balance Sheet, Financial Statement, DSCR, Crisis Indicators, etc.) starting from any accounting situation (OUTBOUND) and to analyze, control and evaluate a Business Plan developed by the company and/or its consultants (INBOUND). The simulations also allow to obtain outputs the Civil Scheme and the AQR 1 prospective scheme on the basis of which to feed one's own procedures for calculating ratings and capital provisions "Forward looking".

How to draw up a Business Plan without opening Excel

PORTFOLIO ANALYSIS AND BANK POSITIONING WITH RESPECT TO THE MARKET

The Group Analysis module allows you to perform complex portfolio analyses (including NPL, NPE) and compare the Bank's portfolio (by branch, postcode, geographic area or other) with the reference market and therefore direct commercial action. The module also allows you to evaluate business portfolios in a few moments and define their value in relation to risk analysis.

MANAGEMENT OF DOCUMENTS FOR THE END CUSTOMER OR INTEGRATION OF THE PEF

It is possible to process Professional Presentations in real time and historicize them in PDF, download personal data, reclassified schemes, tables and elaborations in Excel that can integrate the Customer dossier and/or feed the PEF

WEB SERVICES

Leanus can communicate with the Bank's systems by transferring information (Personal Data, Accounting Data Analysis, Indicators, Score, MCC Band, DSCR, Crisis Indicators and much more) or receiving useful information for further processing (Central Risk Data, Accounting Data, Exposure Data, etc.). Learn More

ONGOING FORMATION

Leanus offers all its customers an online training program based almost exclusively on the analysis of real cases. It is also possible to define dedicated training programs.
Learn More

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Strengths

Enhance the solutions in use at the Bank
Zero working times on Excel
Optimize the "Center-Periphery" relationship
Increase the ability to evaluate and monitor credit
It allows to offer a higher quality service to the customer
It allows you to drastically optimize your Business Information spending
It saves man / hours to be allocated to activities with greater added value
It allows you to create a long-term Bank-Company relationship