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Integraal for Private Wealth

A range of digital solutions specifically developed to support wealth management professionals. Fully customizable analytical tools that provide both a comprehensive and detailed view of data from the most diverse sources, enabling the best possible decision-making.
References
Testimonials

What they say about us

I worked with Cedric Aeberli and his team to develop the interface and the MIS tool based on Avaloq ASSL, they were very responsive and always present over the years to help us improve our dashboards and accompany us throughout the project.
Marie Françoise Manana Financial Controller, S.P. Hinduja Private Bank
Thanks to the MIS solution from Integraal for Banking, we now have increased visibility into our financial data, allowing for quicker and more informed strategic decisions. Implementing this solution marks a key milestone for the bank.’
Mikeiko Brown-Collie CFO of Capital Union Bank
I first met Cedric Aeberli when I was working for Banque SYZ and we were looking for a steering/MIS tool. We did some market research and identified Integraal Solutions. It took me about 30 seconds to recognise the value of their expertise and the power of the tools. As I often say, if I were running a bank, I would have Integraal installed before I arrived and I would be able to understand the strengths and weaknesses of the organisation from day one.
Philip Biber Partner, Sionic
We have been working with Integraal since 2015. We first worked together to implement a consolidated MIS reporting solution for our various entities in the Private Banking business line. This dashboard has become an indispensable steering tool for management and the front office in order to monitor the Bank’s profitability and the performance of our private bankers. Then, thanks to the Framework, we were able to develop other dashboards with Integraal in different contexts to meet the bank’s other needs: the MIS product, which gives us a more detailed view of the bank’s activity at the transactional and client level; a dashboard specific to our Investment department, which provides them with a tool for monitoring their activity, in particular to check that the portfolios are correctly invested according to the allocation models and investment strategies; and also a Compliance dashboard which generates alerts in the AML context. Integraal therefore allows us to meet multiple needs in different areas, with simplicity and efficiency.
Guillaume Maille Head of IT , Banque Audi (Suisse) SA
We have been using the tools of Integraal Solutions SA since 2016. The growth of our activities and the need to have a global analytical vision to support our strategic decisions led us to look for a Management Information System solution. After a review of the various software and service providers available on the market, it became clear that Integraal Solutions met our requirements, including the promise of working with a competent team that listened to our needs. 
SMART for Wealth Management has become our real dashboard, which we have named internally “NS Cockpit”, and I dare say we couldn’t live without it.
Amélie Janssens de Bisthoven Head of Business Intelligence, NS Partners SA
We were pleased to implement the SMART for Wealth Management solution, which measures the monthly activity and profitability of Relationship Managers. Profitability includes the measurement of the direct cost of the sales teams (full salary of the FO, cost of assistants, travel, telephone, IT, etc.). Good measurement improves the dialogue between sales people and management and provides the basis for decisions on the choice of an appropriate sales channel (visit, AI, e-marketing, use of EAM). 
The responsiveness of the Integraal teams and the high level of business analysts enabled us to rapidly deploy dashboards drawing on Avaloq data.
Eric Berling Head of Finance and Accounting, S.P. Hinduja Banque Privée
When I was CEO of Arab Bank in Geneva, we collaborated with Cédric Aeberli and his teams in the implementation of the SMART for Wealth Management and Avaloq solution. We were perfectly satisfied. Cédric is a reliable person who delivers what he promises.
Nicolas Chikhani Banker, CEO, Board Member & Investor
100 %

business users need quality data in their decision-making processes

Data quality is essential

Data is the result of our operational processes: it highlights our strengths and weaknesses. 
We shouldn’t expect data to be perfect – it probably never will be – but we should pay particular attention to key data that has a major impact on the organization. A data culture cannot be improvised; it has to be built up over time, and requires a strong impetus from the management teams.

3.5 Semaines

Financial companies considerably reduce the time needed to set up a BI platform by using our solutions.

Don’t reinvent the wheel and build on the best of technology

We are constantly developing our solutions. The 2021 edition, the 5th major version, is based on the best technological components on the market, enabling rapid deployment of pragmatic solutions.

94 %

operational teams say they are capable of producing the right results on time

A global vision and a common frame of reference

Accessibility to data is a real issue. Users are constantly being asked to produce new reports and to contribute their expertise. They need to be able to produce analyses based on reliable, secure and compliant data. A global, shared repository considerably reduces this risk: each consumer plays an active role in improving the quality of his or her data, and therefore of the community as a whole.

67 %

people who use storytelling say they are able to back up their statements with factual data

Technology at the user’s service

The storytelling functions allow you to support your message with tangible visuals and factual data. Audience buy-in is built on trust and agreed data. 
The use of dynamic applications, coupled with powerful storytelling functions, means that any questions can be answered instantly.

Helping you make better decisions

Private Wealth Solutions

Profitability
Management
Sales
Efficiencies
AML
Controls
Operations
Excellence
Management
Summary
Financial
Budget & Scorecard

Profitability Management

Profitability management is based on the analysis of accounting and analytical transactions: recurring revenues, non-recurring revenues, direct and indirect costs are automatically broken down in a flexible and dynamic analytical model.

  • Recurring & non-recurring revenues
  • Direct & indirect costs (cost allocation)
  • RoA & CoA (Cost over Assets), gross, net, etc.
  • Cost allocation engine (distribution rules)
  • Cost of Funds
  • Retrocessions (EAM, Business Introducers, etc.)
  • Accruals
  • Recognition (recognition of income and/or costs over several teams)
  • Budgets and targets
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Sales Efficiencies

Supporting the sales teams as well as the management teams in monitoring their objectives.

  • Net New Money, Net New Loan, AuM, Internal Transfers, etc.
  • AuM variation (NnN, NmL, Forex & Market Effect)
  • Client Acquisition vs Churn
  • Penetration rate (of mandates and products)
  • Budgets and targets
  • Scoring and Notation (vs Corporate Benchmark)
  • Organisation drill down : Group, Entity, BU, Desks, RM, EAM, etc.

AML Controls

Enable Compliance teams to facilitate the management and monitoring of their regular audits.

  • First contribution vs. KYC, Large movements, Transit account
  • Cash movements, Qualified tax offences, Rules of conduct, etc.
  • History and log of controls (archiving and traceability)
  • Controls raise alerts (eMails, SMS, reports, push mode, etc.)
  • The controls are integrated into dashboards for the business lines
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Operations Excellence

Support the operational teams in monitoring their objectives and operational excellence.

  • Operations Volume
  • Transfers Reasons & Details
  • Reversal Rate
  • Document Pending
  • Recommandation (buy list)
  • Asset Allocation Models
  • Scoring & Notation (vs Corporate Benchmark)
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Management Summary

To provide management teams with a comprehensive view of the business, trends, risks and objectives.

  • Main indicators: NnM, AuM, Var, Revenues, RoA
  • Budget and target management
  • Scoring & Notation (vs Corporate Benchmark)
  • New Business (Client Acquisition vs Churn)
  • Products & Investment
  • Risk & Compliance
  • Organisation drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Financial Budget & Scorecard

Enable accurate monitoring of Budgets, Objectives and Scoring at all levels of the organisation.

  • Management of budgets and targets available at all levels of the organisation
  • Monthly budget management
  • Scoring allows you to assign a score from 0 to 5 on any indicator
  • Scoring is calculated dynamically at the organisation level (benchmark)
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Profitability Management

Profitability management is based on the analysis of accounting and analytical transactions: recurring revenues, non-recurring revenues, direct and indirect costs are automatically broken down in a flexible and dynamic analytical model.

  • Recurring & non-recurring revenues
  • Direct & indirect costs (cost allocation)
  • RoA & CoA (Cost over Assets), gross, net, etc.
  • Cost allocation engine (distribution rules)
  • Cost of Funds
  • Retrocessions (EAM, Business Introducers, etc.)
  • Accruals
  • Recognition (recognition of income and/or costs over several teams)
  • Budgets and targets
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Sales Efficiencies

Supporting the sales teams as well as the management teams in monitoring their objectives.

  • Net New Money, Net New Loan, AuM, Internal Transfers, etc.
  • AuM variation (NnN, NmL, Forex & Market Effect)
  • Client Acquisition vs Churn
  • Penetration rate (of mandates and products)
  • Budgets and targets
  • Scoring and Notation (vs Corporate Benchmark)
  • Organisation drill down : Group, Entity, BU, Desks, RM, EAM, etc.

AML Controls

Enable Compliance teams to facilitate the management and monitoring of their regular audits.

  • First contribution vs. KYC, Large movements, Transit account
  • Cash movements, Qualified tax offences, Rules of conduct, etc.
  • History and log of controls (archiving and traceability)
  • Controls raise alerts (eMails, SMS, reports, push mode, etc.)
  • The controls are integrated into dashboards for the business lines
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Operations Excellence

Support the operational teams in monitoring their objectives and operational excellence.

  • Operations Volume
  • Transfers Reasons & Details
  • Reversal Rate
  • Document Pending
  • Recommandation (buy list)
  • Asset Allocation Models
  • Scoring & Notation (vs Corporate Benchmark)
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Management Summary

To provide management teams with a comprehensive view of the business, trends, risks and objectives.

  • Main indicators: NnM, AuM, Var, Revenues, RoA
  • Budget and target management
  • Scoring & Notation (vs Corporate Benchmark)
  • New Business (Client Acquisition vs Churn)
  • Products & Investment
  • Risk & Compliance
  • Organisation drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Financial Budget & Scorecard

Enable accurate monitoring of Budgets, Objectives and Scoring at all levels of the organisation.

  • Management of budgets and targets available at all levels of the organisation
  • Monthly budget management
  • Scoring allows you to assign a score from 0 to 5 on any indicator
  • Scoring is calculated dynamically at the organisation level (benchmark)
  • Organization drill down : Group, Entity, BU, Desks, RM, EAM, etc.

Private Wealth Analytics

Ready-to-use applications in self-service mode, reference analytical models and ad-hoc dashboard design tools to facilitate and accelerate adoption.

Ready-to-use template applications

Starting from scratch isn’t easy, but existing applications can help you get to grips with the data and quickly move into an operational context that makes sense. Embedded technology allows you to customise applications and adapt the user experience to your many needs. You’re in complete control and can quickly create your own applications, in complete autonomy.

  • Model applications available
  • Global MIS, Finance, Risk, Compliance, Credit, Pricing Management, etc.
  • Business users can create and modify their own applications
  • Access to the company’s standardised data dictionary: the Data-Catalogue
  • Autonomy for business teams to publish applications (integrated validation process)
  • Independence of business teams
  • Secure access to data (encryption and access rights management)
  • Storytelling, PDF reporting, alerts, manual data exports in XLS format, etc.
  • Based on Qlik embedded technology

Private Wealth Engine

Since 2012, the Integraal Real Estate Engine has established itself as the benchmark data hub designed specifically to meet the complex and specific needs of the banking sector. Based on Qlik-Talend technology, it offers complete industrialisation of data management processes, guaranteeing unrivalled efficiency and accuracy.

A Modular, High-Performance Architecture

Integraal Real Estate Engine is distinguished by its multi-layered architecture:

  • Import zone: for initial data integration.
  • Historical zone: for storing and accessing historical data.
  • Data-hub: for making ready-to-use data available.

Thanks to its generic data model, it ensures a coherent and consistent structure, regardless of the different data sources. What’s more, the engine is compatible with the DBMS of your choice, and can be deployed on-premise, in the cloud, or in hybrid mode, offering total flexibility.

  • A generic data model designed for the bank
  • Clients, Portfolios, Positions, Transactions and Accounting and Analytical Movements
  • Existing connectors to the main banking platforms on the market: Avaloq, OLYMPIC Banking
  • System, Azqore S2i, Allocare AMS, etc.
  • AVALOQ Insight – Data Foundation certified
  • Ad-hoc connectors available: flat files, Excel, API, etc.
  • Based on the customer’s recommended DBMS (Oracle, DB2, SQL Server, PostgreSQL, Snowflake, etc.)
  • On-Premise, Hybrid and/or Private Cloud
  • Qlik Talend embedded ETL

Unrivalled Data Quality

At the heart of Integraal Real Estate Engine is the Data Quality Engine, a powerful tool that applies over 700 technical and functional rules to ensure data consistency and relevance. Users can also define their own specific rules, ensuring that checks are carried out at the right time, with results stored in the HUB for effective management via dashboards, alerts and dynamic reports.

  • Outsourcing of technical and functional quality checks
  • More than 700 existing and customisable rules
  • An integrated system for managing and reporting alerts
  • The results of anomalies/alerts are archived
  • Traceability and periodic monitoring of anomalies

Advanced Business Functionalities

The engine also integrates proven business processes to enrich your data with complementary calculations.

  • Integrated additional analytical calculations
  • Transaction-based Net New Money calculation engine
  • Income allocation engine (cost accounting)
  • Cost allocation engine (cost distribution down to portfolio level)
  • Spread calculation
  • Calculation of specific retrocessions (Business Introducers, Funds, etc.)
  • Cost of Fund calculation

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