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Collateral Management

Collateral Management

Collateral Management

Unlock the unparalleled expertise of the Collateral-to-Loan Allocation Algorithm, and optimize your RWA and Loan Loss Provisioning intelligently with the highly flexible ApPello Collateral Management System.
Our platform provides financial institutions with a flexible, feature-rich, and innovative solution to manage complex collateralized lending activities effortlessly — whether deployed on-premise or in the cloud — all while embracing ESG principles.

ApPello offers cutting-edge digital lending solutions for banks of all sizes, ensuring efficiency and scalability in loan origination and servicing.

ApPello offers cutting-edge digital lending solutions for banks of all sizes, ensuring efficiency and scalability in loan origination and servicing.

Discover Product Details

Gain a comprehensive overview of your collateral management processes in one centralized system. With ApPello, you reduce operational risk, as all relevant information is easily accessible and efficiently managed.

The Collateral Management System efficiently manages the end-to-end collateral life cycle process support like activation, monitoring, release, eligibility and enforceability engine, insurance handling, reindexation, valuation.

A cluster of large, round, bright pink circles with varying shades creates a vibrant, abstract composition against a plain background.

Discover Product Details

Gain a comprehensive overview of your collateral management processes in one centralized system. With ApPello, you reduce operational risk, as all relevant information is easily accessible and efficiently managed.

The Collateral Management System efficiently manages the end-to-end collateral life cycle process support like activation, monitoring, release, eligibility and enforceability engine, insurance handling, reindexation, valuation.

A cluster of large, round, bright pink circles with varying shades creates a vibrant, abstract composition against a plain background.

Discover Product Details

Gain a comprehensive overview of your collateral management processes in one centralized system. With ApPello, you reduce operational risk, as all relevant information is easily accessible and efficiently managed.

The Collateral Management System efficiently manages the end-to-end collateral life cycle process support like activation, monitoring, release, eligibility and enforceability engine, insurance handling, reindexation, valuation.

Discover Product Details

Gain a comprehensive overview of your collateral management processes in one centralized system. With ApPello, you reduce operational risk, as all relevant information is easily accessible and efficiently managed.

The Collateral Management System efficiently manages the end-to-end collateral life cycle process support like activation, monitoring, release, eligibility and enforceability engine, insurance handling, reindexation, valuation.

A cluster of large, round, bright pink circles with varying shades creates a vibrant, abstract composition against a plain background.

Main Benefits

Main Benefits

Four illustrated cards displaying different types of graphs: a pie chart, a donut chart, and a bar graph, with descriptive text below each graph and the last representing AI capabilities.
Four illustrated cards displaying different types of graphs: a pie chart, a donut chart, and a bar graph, with descriptive text below each graph and the last representing AI capabilities.
Four illustrated cards displaying different types of graphs: a pie chart, a donut chart, and a bar graph, with descriptive text below each graph and the last representing AI capabilities.

Capital efficiency through optimized RWA calculation and loan loss provisioning

Data quality improvement

Real-time 24/7 operation – no Close of Business downtime or batch processing hassle

Real-time 24/7 operation – no Close of Business downtime or batch processing hassle

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A stylized graphic of a web browser window with a time icon in the center depicting timing, set against a light blue background with a subtle grid pattern.
A stylized graphic of a web browser window with a time icon in the center depicting timing, set against a light blue background with a subtle grid pattern.
A stylized graphic of a web browser window with a time icon in the center depicting timing, set against a light blue background with a subtle grid pattern.

Compliance with Basel III-IV, Anacredit Regulations & ESG data handling

Compliance with Basel III-IV, Anacredit Regulations & ESG data handling

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The image depicts a digital interface with a central folder icon connected to three smaller bank icons, all set against a light grid background, illustrating a concept of financial data management or integration.

Improved Sales effectiveness with Collateral Loan structure modelling and prompt (Collateral to Loan) Allocation

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Flowchart diagram illustrating a process with connected nodes and a central folder icon, set against a grid background, representing workflow and automation concepts.
Flowchart diagram illustrating a process with connected nodes and a central folder icon, set against a grid background, representing workflow and automation concepts.

Reduced operating Costs with highly flexible collateral attributes, processes, screens and eligibility rules

Full Collateral Lifecycle

Full Collateral Lifecycle

Lifecycle steps: Collateral registration, Collateral activation, Monitoring and Maintenance, Collateral termination, Workout and collection support
Lifecycle steps: Collateral registration, Collateral activation, Monitoring and Maintenance, Collateral termination, Workout and collection support
Lifecycle steps: Collateral registration, Collateral activation, Monitoring and Maintenance, Collateral termination, Workout and collection support
Lifecycle steps: Collateral registration, Collateral activation, Monitoring and Maintenance, Collateral termination, Workout and collection support
Lifecycle steps: Collateral registration, Collateral activation, Monitoring and Maintenance, Collateral termination, Workout and collection support

Product Features

Product Features

Screenshot from the Appello system showing a dashboard.

Easy-to-extend collateral catalogue

ApPello’s Collateral Management offers diverse collaterals, encompassing 10 primary types, including real estate, movables, guarantees, and more. Within each collateral type, a rich array of categories and sub-categories exists, facilitating precise identification. For instance, under the “Real estate” type, you can pinpoint collateral with utmost accuracy, such as “Residential” or “Family house,” while also customizing key parameters unique to each sub-category. This comprehensive sub-categorization empowers you with the flexibility to tailor collateral details according to your specific needs.

Screenshot from the Appello system showing a dashboard.

Easy-to-extend collateral catalogue

ApPello’s Collateral Management offers diverse collaterals, encompassing 10 primary types, including real estate, movables, guarantees, and more. Within each collateral type, a rich array of categories and sub-categories exists, facilitating precise identification. For instance, under the “Real estate” type, you can pinpoint collateral with utmost accuracy, such as “Residential” or “Family house,” while also customizing key parameters unique to each sub-category. This comprehensive sub-categorization empowers you with the flexibility to tailor collateral details according to your specific needs.

Screenshot from the Appello system showing a dashboard.

Easy-to-extend collateral catalogue

ApPello’s Collateral Management offers diverse collaterals, encompassing 10 primary types, including real estate, movables, guarantees, and more. Within each collateral type, a rich array of categories and sub-categories exists, facilitating precise identification. For instance, under the “Real estate” type, you can pinpoint collateral with utmost accuracy, such as “Residential” or “Family house,” while also customizing key parameters unique to each sub-category. This comprehensive sub-categorization empowers you with the flexibility to tailor collateral details according to your specific needs.

Screenshot from the Appello system showing a dashboard.

Easy-to-extend collateral catalogue

ApPello’s Collateral Management offers diverse collaterals, encompassing 10 primary types, including real estate, movables, guarantees, and more. Within each collateral type, a rich array of categories and sub-categories exists, facilitating precise identification. For instance, under the “Real estate” type, you can pinpoint collateral with utmost accuracy, such as “Residential” or “Family house,” while also customizing key parameters unique to each sub-category. This comprehensive sub-categorization empowers you with the flexibility to tailor collateral details according to your specific needs.

A digital illustration depicting "Environmental Social Governance" with symbolic elements including a globe, leaves, gears, a wind turbine, and currency signs, representing sustainable development and financial stewardship.

Embracing ESG Principles

System is enhanced by ESG-related information such as physical risk, physical risk details, location, energy performance, energy consumption, heating source type, etc… With this data, Banks are able to start the assessment of each mortgage, incorporate the ESG-related information in their lending strategy, and understand the physical risks in terms of finance. Besides, Banks are able to introduce preventative measures that could help to mitigate certain risks.

A digital illustration depicting "Environmental Social Governance" with symbolic elements including a globe, leaves, gears, a wind turbine, and currency signs, representing sustainable development and financial stewardship.

Embracing ESG Principles

System is enhanced by ESG-related information such as physical risk, physical risk details, location, energy performance, energy consumption, heating source type, etc… With this data, Banks are able to start the assessment of each mortgage, incorporate the ESG-related information in their lending strategy, and understand the physical risks in terms of finance. Besides, Banks are able to introduce preventative measures that could help to mitigate certain risks.

A digital illustration depicting "Environmental Social Governance" with symbolic elements including a globe, leaves, gears, a wind turbine, and currency signs, representing sustainable development and financial stewardship.

Embracing ESG Principles

System is enhanced by ESG-related information such as physical risk, physical risk details, location, energy performance, energy consumption, heating source type, etc… With this data, Banks are able to start the assessment of each mortgage, incorporate the ESG-related information in their lending strategy, and understand the physical risks in terms of finance. Besides, Banks are able to introduce preventative measures that could help to mitigate certain risks.

A digital illustration depicting "Environmental Social Governance" with symbolic elements including a globe, leaves, gears, a wind turbine, and currency signs, representing sustainable development and financial stewardship.

Embracing ESG Principles

System is enhanced by ESG-related information such as physical risk, physical risk details, location, energy performance, energy consumption, heating source type, etc… With this data, Banks are able to start the assessment of each mortgage, incorporate the ESG-related information in their lending strategy, and understand the physical risks in terms of finance. Besides, Banks are able to introduce preventative measures that could help to mitigate certain risks.

Screenshot of a digital platform interface, showing multiple project cards with labels like "AMPEFLOW CORPORATE SCREENING SERVICE" and "AMPEFLOW FEE TEST," each with version numbers, status tags (e.g., "LIVE," "DRAFT"), and clickable options for opening or editing, set against a minimalistic white background.

Intelligent allocation

The true efficiency of collateral management lies in mastering the art of optimal Collateral to loan allocation. Our platform empowers you to determine the most effective way to allocate your collaterals to exposures, ensuring you make the most out of your valuable assets. With ApPello, you gain access to various of built-in methodologies for allocation optimization, providing you with the flexibility to choose the approach that best suits your requirements. This extends to provisions and/or capital allocation, giving you comprehensive control over your portfolio.

Read more

Screenshot of a digital platform interface, showing multiple project cards with labels like "AMPEFLOW CORPORATE SCREENING SERVICE" and "AMPEFLOW FEE TEST," each with version numbers, status tags (e.g., "LIVE," "DRAFT"), and clickable options for opening or editing, set against a minimalistic white background.

Intelligent allocation

The true efficiency of collateral management lies in mastering the art of optimal Collateral to loan allocation. Our platform empowers you to determine the most effective way to allocate your collaterals to exposures, ensuring you make the most out of your valuable assets. With ApPello, you gain access to various of built-in methodologies for allocation optimization, providing you with the flexibility to choose the approach that best suits your requirements. This extends to provisions and/or capital allocation, giving you comprehensive control over your portfolio.

Read more

Screenshot of a digital platform interface, showing multiple project cards with labels like "AMPEFLOW CORPORATE SCREENING SERVICE" and "AMPEFLOW FEE TEST," each with version numbers, status tags (e.g., "LIVE," "DRAFT"), and clickable options for opening or editing, set against a minimalistic white background.

Intelligent allocation

The true efficiency of collateral management lies in mastering the art of optimal Collateral to loan allocation. Our platform empowers you to determine the most effective way to allocate your collaterals to exposures, ensuring you make the most out of your valuable assets. With ApPello, you gain access to various of built-in methodologies for allocation optimization, providing you with the flexibility to choose the approach that best suits your requirements. This extends to provisions and/or capital allocation, giving you comprehensive control over your portfolio.

Read more

Screenshot of a digital platform interface, showing multiple project cards with labels like "AMPEFLOW CORPORATE SCREENING SERVICE" and "AMPEFLOW FEE TEST," each with version numbers, status tags (e.g., "LIVE," "DRAFT"), and clickable options for opening or editing, set against a minimalistic white background.

Intelligent allocation

The true efficiency of collateral management lies in mastering the art of optimal Collateral to loan allocation. Our platform empowers you to determine the most effective way to allocate your collaterals to exposures, ensuring you make the most out of your valuable assets. With ApPello, you gain access to various of built-in methodologies for allocation optimization, providing you with the flexibility to choose the approach that best suits your requirements. This extends to provisions and/or capital allocation, giving you comprehensive control over your portfolio.

Read more

A digital illustration of a web browser window displaying a colorful data dashboard with bar and line graphs, featuring blue, green, purple, and pink lines against a dark background.

Discover additional sales potential

System offers intuitive visualizations of facility-loan-collateral and contract-collateral asset structures and allocation outcomes. These graphical or table-based displays play a pivotal role in executing new actions and streamlining maintenance tasks.

Read more

A digital illustration of a web browser window displaying a colorful data dashboard with bar and line graphs, featuring blue, green, purple, and pink lines against a dark background.

Discover additional sales potential

System offers intuitive visualizations of facility-loan-collateral and contract-collateral asset structures and allocation outcomes. These graphical or table-based displays play a pivotal role in executing new actions and streamlining maintenance tasks.

Read more

A digital illustration of a web browser window displaying a colorful data dashboard with bar and line graphs, featuring blue, green, purple, and pink lines against a dark background.

Discover additional sales potential

System offers intuitive visualizations of facility-loan-collateral and contract-collateral asset structures and allocation outcomes. These graphical or table-based displays play a pivotal role in executing new actions and streamlining maintenance tasks.

Read more

A digital illustration of a web browser window displaying a colorful data dashboard with bar and line graphs, featuring blue, green, purple, and pink lines against a dark background.

Discover additional sales potential

System offers intuitive visualizations of facility-loan-collateral and contract-collateral asset structures and allocation outcomes. These graphical or table-based displays play a pivotal role in executing new actions and streamlining maintenance tasks.

Read more

Decision engine flowchart illustrating interactions between customer, branch, and agent through customer and agent frontends, linking to back office applications via middleware, showcasing integration with loan origination database and decision ecosystem interfaces.

Comply with Basel & Anacredit

In the face of ever-evolving regulatory norms, compliance with Basel regulations and new introductions like AnaCredit has become increasingly crucial. ApPello’s Collateral Management solution not only guarantees adherence to these standards but also empowers our clients with a comprehensive flexibility toolset, putting them in complete control of their application settings and significantly reducing IT maintenance costs.

Read more

Decision engine flowchart illustrating interactions between customer, branch, and agent through customer and agent frontends, linking to back office applications via middleware, showcasing integration with loan origination database and decision ecosystem interfaces.

Comply with Basel & Anacredit

In the face of ever-evolving regulatory norms, compliance with Basel regulations and new introductions like AnaCredit has become increasingly crucial. ApPello’s Collateral Management solution not only guarantees adherence to these standards but also empowers our clients with a comprehensive flexibility toolset, putting them in complete control of their application settings and significantly reducing IT maintenance costs.

Read more

Decision engine flowchart illustrating interactions between customer, branch, and agent through customer and agent frontends, linking to back office applications via middleware, showcasing integration with loan origination database and decision ecosystem interfaces.

Comply with Basel & Anacredit

In the face of ever-evolving regulatory norms, compliance with Basel regulations and new introductions like AnaCredit has become increasingly crucial. ApPello’s Collateral Management solution not only guarantees adherence to these standards but also empowers our clients with a comprehensive flexibility toolset, putting them in complete control of their application settings and significantly reducing IT maintenance costs.

Read more

Decision engine flowchart illustrating interactions between customer, branch, and agent through customer and agent frontends, linking to back office applications via middleware, showcasing integration with loan origination database and decision ecosystem interfaces.

Comply with Basel & Anacredit

In the face of ever-evolving regulatory norms, compliance with Basel regulations and new introductions like AnaCredit has become increasingly crucial. ApPello’s Collateral Management solution not only guarantees adherence to these standards but also empowers our clients with a comprehensive flexibility toolset, putting them in complete control of their application settings and significantly reducing IT maintenance costs.

Read more

Abstract graphic featuring time in the center, surrounded by digital symbols and shapes.

Real time 24/7 operation

With real-time 24/7 operation, there’s no need to worry about close-of-business cutoffs. This continuous accessibility ensures uninterrupted management of collateral processes, providing seamless efficiency and flexibility to meet the demands of a fast-paced financial environment.

Abstract graphic featuring time in the center, surrounded by digital symbols and shapes.

Real time 24/7 operation

With real-time 24/7 operation, there’s no need to worry about close-of-business cutoffs. This continuous accessibility ensures uninterrupted management of collateral processes, providing seamless efficiency and flexibility to meet the demands of a fast-paced financial environment.

Abstract graphic featuring time in the center, surrounded by digital symbols and shapes.

Real time 24/7 operation

With real-time 24/7 operation, there’s no need to worry about close-of-business cutoffs. This continuous accessibility ensures uninterrupted management of collateral processes, providing seamless efficiency and flexibility to meet the demands of a fast-paced financial environment.

Abstract graphic featuring time in the center, surrounded by digital symbols and shapes.

Real time 24/7 operation

With real-time 24/7 operation, there’s no need to worry about close-of-business cutoffs. This continuous accessibility ensures uninterrupted management of collateral processes, providing seamless efficiency and flexibility to meet the demands of a fast-paced financial environment.

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Are you interested?

Want to learn more about how our platform can modernize your bank?

Just schedule a call with one of our experts. We're here to help.

Are you interested?

Want to learn more about how our platform can modernize your bank?

Just schedule a call with one of our experts. We're here to help.

Are you interested?

Want to learn more about how our platform can modernize your bank?

Just schedule a call with one of our experts. We're here to help.

Are you interested?

Want to learn more about how our platform can modernize your bank?

Just schedule a call with one of our experts. We're here to help.