The sub-ledger for loans is managed by FlexFinance. This can be used as a current account or operate directly with the existing current account.

In accordance with current legislation, incoming payments are divided into the asset subclasses of repayment, interest, charges or residual debt insurance. Special repayments as well as early pay-offs can be detected automatically and posted accordingly. Charges/expenses and interest models depending on the asset sub-class can be used in cases of impairment.

Account management is fully automated and the members of staff responsible are notified by FlexFinance when problems occur.