{"id":40324,"date":"2024-08-07T11:52:29","date_gmt":"2024-08-07T09:52:29","guid":{"rendered":"https:\/\/www.c-a-s.de\/financial-services\/sap-for-banking\/sap-cml-s-4hana-banking-for-complex-loans\/"},"modified":"2026-09-16T10:29:41","modified_gmt":"2026-09-16T08:29:41","slug":"sap-cml-s-4hana-banking-for-complex-loans","status":"publish","type":"page","link":"https:\/\/www.c-a-s.de\/en\/financial-services\/sap-for-banking\/sap-cml-s-4hana-banking-for-complex-loans\/","title":{"rendered":"SAP CML & S\/4HANA Banking for Complex Loans"},"content":{"rendered":"

SAP Core Banking Module<\/p>\n<\/div>

SAP <\/span>CML & <\/span>S\/4HANA Banking
\n<\/span>for<\/span> Complex<\/span> Loans<\/span><\/span> <\/strong><\/h1><\/div><\/div>
Learn more<\/span><\/a><\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>

SAP Core Banking Module<\/p>\n<\/div>

SAP <\/span>CML & <\/span>S\/4HANA Banking
\n<\/span>for<\/span> Complex<\/span> Loans<\/span><\/span><\/strong><\/p><\/div><\/div>

Learn more<\/span><\/a><\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>

SAP Core Banking Module<\/p>\n<\/div>

SAP <\/span>CML & <\/span>S\/4HANA Banking
\n<\/span>for<\/span> Complex<\/span> Loans<\/span><\/span> <\/strong><\/p><\/div><\/div>

Learn more<\/span><\/a><\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>
<\/path><\/svg><\/div>
<\/div><\/div><\/div>
<\/div><\/div><\/div>
<\/i><\/div><\/div>
SAP CML & Complex Loans – Modern Loan Management<\/strong><\/div><\/div>
Mapping of loans ranging from simple to complex in structure<\/span><\/span><\/strong><\/div><\/div>

SAP Consumer and Mortgage Loans (CML) manages both simply structured loans, such as consumer loans, and complex loans, such as mortgage loans, within companies. In addition to its loan management capabilities, SAP S\/4HANA CML, in particular, offers comprehensive real-time analytics to support rapid decision-making when concluding loan agreements.<\/span><\/p>\n

The enhanced loan processing functionality of SAP S\/4HANA Banking for Complex Loans is particularly beneficial for financial institutions that specialize in handling complex loan products, such as real estate loans or project financing. In addition to its modern SAP Fiori-based user interface, the add-on offers advanced analytics and reporting capabilities, as well as real-time insights into credit portfolios for efficient credit management.<\/span><\/p>\n<\/div>

<\/div>
Our services<\/span><\/a><\/div><\/div><\/div>
\"SAP<\/span><\/div><\/div><\/div><\/div><\/div>
<\/path><\/svg><\/div>
<\/div><\/div><\/div>
<\/div><\/div><\/div>
<\/i><\/div><\/div>
SAP CML & Complex Loans – Modern Loan Management<\/div><\/div>
Mapping of loans ranging from simple to complex in structure<\/span><\/span><\/strong><\/div><\/div>

SAP Consumer and Mortgage Loans (CML) manages both simply structured loans, such as consumer loans, and complex loans, such as mortgage loans, within companies. In addition to its loan management capabilities, SAP S\/4HANA CML, in particular, offers comprehensive real-time analytics to support rapid decision-making when concluding loan agreements.<\/span><\/p>\n

The enhanced loan processing functionality of SAP S\/4HANA Banking for Complex Loans is particularly beneficial for financial institutions that specialize in handling complex loan products, such as real estate loans or project financing. In addition to its modern SAP Fiori-based user interface, the add-on offers advanced analytics and reporting capabilities, as well as real-time insights into credit portfolios for efficient credit management.<\/span><\/p>\n<\/div><\/div><\/div>

\"SAP<\/a><\/span><\/div>
<\/div>
Our services<\/span><\/a><\/div><\/div><\/div><\/div><\/div>
<\/path><\/svg><\/div>
<\/div><\/div><\/div>
<\/div><\/div><\/div>
<\/i><\/div><\/div>

SAP CML & Complex Loans – Modern Loan Management<\/h2><\/div><\/div>

Mapping of loans ranging from simple to complex in structure<\/span><\/span><\/strong><\/h3><\/div><\/div>

SAP Consumer and Mortgage Loans (CML) manages both simply structured loans, such as consumer loans, and complex loans, such as mortgage loans, within companies. In addition to its loan management capabilities, SAP S\/4HANA CML, in particular, offers comprehensive real-time analytics to support rapid decision-making when concluding loan agreements.<\/span><\/p>\n

The enhanced loan processing functionality of SAP S\/4HANA Banking for Complex Loans is particularly beneficial for financial institutions that specialize in handling complex loan products, such as real estate loans or project financing. In addition to its modern SAP Fiori-based user interface, the add-on offers advanced analytics and reporting capabilities, as well as real-time insights into credit portfolios for efficient credit management.<\/span><\/p>\n<\/div><\/div><\/div>

\"SAP<\/a><\/span><\/div>
<\/div>
Our services<\/span><\/a><\/div><\/div><\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>
<\/i><\/div><\/div>

Our expertise<\/p>\n<\/div>

Efficient Credit Management Through Modern IT Architecture<\/span><\/span><\/h4>\n<\/div>

We support you in implementing SAP S\/4HANA CML and SAP <\/span>S\/4HANA Banking for Complex Loans <\/span>into your overall banking landscape using modern integration technologies.<\/span><\/p>\n

Take advantage of our in-depth knowledge of the data models in SAP S\/4HANA Banking for Complex Loans and SAP CML, and let us handle the data migration of your loan applications to SAP S\/4HANA CML and SAP S\/4HANA Banking for Complex Loans.<\/span><\/p>\n<\/div><\/div><\/div>

\"SAP<\/span><\/div><\/div><\/div>

From Integration to Transformation to SAP S\/4HANA<\/strong><\/h2>\n<\/div>

With our proven process model, you can successfully complete the migration of SAP CML and the SAP R\/3 Financing Manager to SAP S\/4HANA Banking for Complex Loans \/CML\u2014regardless of whether you choose an on-premises, cloud, or hybrid model.<\/span><\/p>\n

With the introduction of SAP S\/4HANA, object and collateral management in SAP CML is no longer required. Instead, the entire collateral management process can be mapped in SAP CMS. Take advantage of our comprehensive banking and technical expertise, as well as our experience from successful projects, to ensure a smooth migration of your securities data from SAP CML to SAP CMS on SAP S\/4HANA.<\/span><\/p>\n<\/div><\/div><\/div>

<\/div><\/div><\/div><\/div>
<\/div>
Services<\/span><\/a><\/div>
<\/div><\/div><\/div><\/div><\/div>
<\/i><\/div><\/div>

Our expertise<\/p>\n<\/div>

Efficient Credit Management Through Modern IT Architecture<\/span><\/span><\/strong><\/p>\n<\/div>

We support you in implementing SAP S\/4HANA CML and SAP <\/span>S\/4HANA Banking for Complex Loans <\/span>into your overall banking landscape using modern integration technologies.<\/span><\/p>\n

Take advantage of our in-depth knowledge of the data models in SAP S\/4HANA Banking for Complex Loans and SAP CML, and let us handle the data migration of your loan applications to SAP S\/4HANA CML and SAP S\/4HANA Banking for Complex Loans.<\/span><\/p>\n<\/div><\/div><\/div>

\"SAP<\/span><\/div><\/div><\/div>
<\/div><\/div><\/div>

From Integration to Transformation to SAP S\/4HANA<\/span><\/span><\/strong><\/p>\n<\/div>

With our proven process model, you can successfully complete the migration of SAP CML and the SAP R\/3 Financing Manager to SAP S\/4HANA Banking for Complex Loans \/CML\u2014regardless of whether you choose an on-premises, cloud, or hybrid model.<\/span><\/p>\n

With the introduction of SAP S\/4HANA, object and collateral management in SAP CML will be phased out. Instead, the entire collateral management process can be mapped in SAP CMS. Take advantage of our comprehensive banking and technical expertise, as well as our experience from successful projects, to ensure a smooth migration of your securities data from SAP CML to SAP CMS on SAP S\/4HANA.<\/span><\/p>\n

 <\/p>\n<\/div><\/div><\/div><\/div>

<\/div>
About our services<\/span><\/a><\/div>
<\/div><\/div><\/div><\/div><\/div>
<\/i><\/div><\/div>

Our expertise<\/p>\n<\/div>

Efficient Credit Management Through Modern IT Architecture<\/span><\/span><\/strong><\/div><\/div>

We support you in implementing SAP S\/4HANA CML and SAP <\/span>S\/4HANA Banking for Complex Loans <\/span>into your overall banking landscape using modern integration technologies.<\/span><\/p>\n

Take advantage of our in-depth knowledge of the data models in SAP S\/4HANA Banking for Complex Loans and SAP CML, and let us handle the data migration of your loan applications to SAP S\/4HANA CML and SAP S\/4HANA Banking for Complex Loans.<\/span><\/p>\n<\/div><\/div><\/div>

\"SAP<\/span><\/div><\/div><\/div>
<\/div><\/div><\/div>
From Integration to Transformation to SAP S\/4HANA<\/span><\/span><\/strong><\/div><\/div>

With our proven process model, you can successfully complete the migration of SAP CML and the SAP R\/3 Financing Manager to SAP S\/4HANA Banking for Complex Loans \/CML\u2014regardless of whether you choose an on-premises, cloud, or hybrid model.<\/span><\/p>\n

With the introduction of SAP S\/4HANA, object and collateral management in SAP CML will be phased out. Instead, the entire collateral management process can be mapped in SAP CMS. Take advantage of our comprehensive banking and technical expertise, as well as our experience from successful projects, to ensure a smooth migration of your securities data from SAP CML to SAP CMS on SAP S\/4HANA.<\/span><\/p>\n<\/div><\/div><\/div><\/div>

<\/div>
About our services<\/span><\/a><\/div>
<\/div><\/div><\/div><\/div><\/div>
<\/div><\/div><\/div><\/div><\/div>
<\/i><\/div><\/div>
Take advantage of our range of services<\/span><\/div><\/div>
<\/i>

Implementation of a Modern Loan Management System<\/strong>
\ninto the Overall Banking Landscape<\/strong><\/h3><\/div><\/div>

Implementation and Integration of SAP CML and <\/span>SAP <\/span>S\/4HANA Banking <\/span>for<\/span> Complex<\/span> Loans<\/span> for modern loan management<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>

SAP CML Transformation from R\/3 to S\/4HANA Banking for Complex Loans \/CML<\/strong><\/h2><\/div><\/div>

Transformation <\/span>SAP CML<\/span> from SAP R\/3 to <\/span>SAP <\/span>S\/4HANA<\/span> and SAP <\/span>S\/4HANA Banking <\/span>for<\/span> Complex<\/span> Loans<\/span> regardless of <\/span>Greenfield or <\/span>brownfield<\/span>approach<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>

Custom Extensions<\/strong><\/h3><\/div><\/div>

SAP Extensions <\/span>CML and <\/span>SAP <\/span>S\/4HANA Banking <\/span>for<\/span> Complex<\/span> Loans<\/span> to include customer-specific functionalities (e.g., <\/span>collateral information, IFRS<\/span>, and enhancements to existing SAP Fiori apps)<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>

Migration to SAP S\/4HANA Banking for Complex Loans<\/strong><\/h2><\/div><\/div>

Design and implementation of the data migration <\/span>from existing loan applications<\/span> (SAP<\/a> and non-SAP)<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>

Integration of CML and CL into the overall banking landscape<\/strong><\/h3><\/div><\/div>

Design and implementation of the <\/span>input\/output sections<\/span> (<\/span>e.g., <\/span>TXS, General Ledger, <\/span>payment transaction systems<\/span>, DWH)<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>

Migration to SAP CMS<\/strong><\/h4><\/div><\/div>

Migrating Your Security Data from SAP CML to SAP CMS on SAP S\/4HANA<\/p>\n<\/div><\/div><\/div>

<\/i>
Overall Project Responsibility<\/strong><\/div><\/div>

From conceptual design and technical implementation to go-live, including test acceptance, we provide you with everything from a single source.<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>
Training and Support Beyond the Go-Live Date<\/strong><\/div><\/div>

The introduction and transformation of a system often entail extensive changes for the operational units. We’ll help you train your employees and support you well beyond a successful go-live<\/p>\n<\/div><\/div><\/div><\/div>

<\/div>
Contact <\/span><\/a><\/div>
<\/div><\/div><\/div><\/div><\/div>
<\/i><\/div><\/div>
Take advantage of our range of services<\/span><\/div><\/div>
<\/i>
Introduction of a Modern Loan Management System <\/strong>into the overall banking landscape<\/strong><\/div><\/div>

Implementation and Integration of SAP CML and <\/span>SAP <\/span>S\/4HANA Banking <\/span>for<\/span> Complex<\/span> Loans<\/span> for modern loan management.<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>

SAP CML Transformation from R\/3 to S\/4HANA Banking for Complex Loans \/CML<\/strong><\/p><\/div><\/div>

Transformation <\/span>SAP CML<\/span> from SAP R\/3 to <\/span>SAP <\/span>S\/4HANA<\/span> and SAP <\/span>S\/4HANA Banking <\/span>for<\/span> Complex<\/span> Loans<\/span> regardless of <\/span>Greenfield or <\/span>brownfield<\/span>approach.<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>
Custom Extensions<\/strong><\/div><\/div>

SAP Extensions <\/span>CML and <\/span>SAP <\/span>S\/4HANA Banking <\/span>for<\/span> Complex<\/span> Loans<\/span> to include customer-specific functionalities (e.g., <\/span>collateral information, IFRS<\/span>, and extensions to existing SAP Fiori apps).<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>
Migration to SAP S\/4HANA Banking for Complex Loans<\/strong><\/div><\/div>

Design and implementation of the data migration <\/span>from existing loan applications<\/span> (SAP<\/a> and non-SAP).<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/div><\/div><\/div>
<\/i>
Integration of CML and CL into the Overall Banking Landscape<\/span><\/strong><\/div><\/div>

Design and implementation of input\/output interfaces (e.g., TXS, general ledger, payment processing systems, data warehouse).<\/span><\/p>\n<\/div><\/div><\/div>

<\/i>
Migration to SAP CMS<\/strong><\/div><\/div>

Migrating Your <\/span>security data<\/span> from SAP CML to SAP CMS on <\/span>SAP <\/span>S\/4HANA.<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>
Overall Project Responsibility<\/strong><\/div><\/div>

From conceptual design and technical implementation all the way through to go-live, including test acceptance, we provide you with everything from a single source<\/span>.<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>
Training and Support Beyond the Go-Live Date<\/strong><\/div><\/div>

The introduction and transformation of a system often entail extensive changes for the operational units. We’ll help you train your employees and support you well beyond a successful go-live. <\/span><\/span><\/p>\n<\/div><\/div><\/div><\/div>

<\/div>
Contact us now<\/span><\/a><\/div>
<\/div><\/div><\/div><\/div><\/div>
<\/i><\/div><\/div>
Take advantage of our range of services<\/span><\/div><\/div>
<\/i>

Implementation of a Modern Loan Management System<\/strong>
\ninto the Overall Banking Landscape<\/strong><\/p><\/div><\/div>

Implementation and Integration of SAP CML and <\/span>SAP <\/span>S\/4HANA Banking <\/span>for<\/span> Complex<\/span> Loans<\/span> for modern loan management<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>

SAP CML Transformation from R\/3 to S\/4HANA Banking for Complex Loans \/CML<\/strong><\/p><\/div><\/div>

Transformation <\/span>SAP CML<\/span> from SAP R\/3 to <\/span>SAP <\/span>S\/4HANA<\/span> and SAP <\/span>S\/4HANA Banking <\/span>for<\/span> Complex<\/span> Loans<\/span> regardless of <\/span>Greenfield or <\/span>brownfield<\/span>approach<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>
Custom Extensions<\/strong><\/div><\/div>

SAP Extensions <\/span>CML and <\/span>SAP <\/span>S\/4HANA Banking <\/span>for<\/span> Complex<\/span> Loans<\/span> to include customer-specific functionalities (e.g., <\/span>collateral information, IFRS<\/span>, and enhancements to existing SAP Fiori apps)<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>
Migration to SAP S\/4HANA Banking for Complex Loans<\/strong><\/div><\/div>

Design and implementation of the data migration <\/span>from existing loan applications<\/span> (SAP<\/a> and non-SAP)<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>
Integration of CML and CL into the overall banking landscape<\/strong><\/div><\/div>

Design and implementation of the <\/span>input\/output sections<\/span> (<\/span>e.g., <\/span>TXS, General Ledger, <\/span>payment transaction systems<\/span>, DWH)<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>
Migration to SAP CMS<\/strong><\/div><\/div>

Migrating Your Security Data from SAP CML to SAP CMS on SAP S\/4HANA<\/p>\n<\/div><\/div><\/div>

<\/i>
Overall Project Responsibility<\/strong><\/div><\/div>

From conceptual design and technical implementation to go-live, including test acceptance, we provide you with everything from a single source.<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i>
Training and Support Beyond the Go-Live Date<\/strong><\/div><\/div>

The introduction and transformation of a system often entail extensive changes for the operational units. We’ll help you train your employees and support you well beyond a successful go-live<\/p>\n<\/div><\/div><\/div><\/div>

<\/div>
Get in touch<\/span><\/a><\/div>
<\/div><\/div><\/div><\/div><\/div>
<\/i><\/div><\/div>
If you work <\/span> with us , <\/span> you’ll get<\/div><\/div><\/div><\/div>
<\/span><\/span><\/span>
<\/i>
Comprehensive expertise<\/div><\/div>

on credit processes and loan management at banks, so that we can provide you with optimal support during the implementation or migration of your loan solution.<\/p>\n<\/div><\/div><\/div>

<\/span><\/span><\/span>
<\/i>
Extensive industry expertise<\/div><\/div>

From >: 20 years of project experience at state banks, building societies, savings banks, cooperative banks, and private commercial banks.<\/p>\n<\/div><\/div><\/div>

<\/span><\/span><\/span>
<\/i>
Best Practices and Process Models<\/div><\/div>

based on two S\/4HANA Core Banking transformation projects that have already been successfully completed.<\/p>\n<\/div><\/div><\/div><\/div>

<\/div><\/div><\/div><\/div><\/div>
<\/i><\/div><\/div>
If you work with us, you\u2019ll get:<\/span><\/div><\/div><\/div><\/div>
<\/span><\/span><\/span>
<\/i>
Comprehensive expertise<\/div><\/div>

Expertise in banking credit processes and loan management, enabling us to provide you with optimal support during the implementation or migration of your loan solution.<\/p>\n<\/div><\/div><\/div>

<\/span><\/span><\/span>
<\/i>
Extensive industry expertise<\/div><\/div>

From >: 20 years of project experience at state banks, building societies, savings banks, cooperative banks, and private commercial banks.<\/p>\n<\/div><\/div><\/div>

<\/span><\/span><\/span>
<\/i>
Best Practices and Process Models<\/div><\/div>

Best practices from two S\/4HANA Core Banking transformation projects that have already been successfully completed.<\/p>\n<\/div><\/div><\/div><\/div>

<\/div>
Contact us<\/span><\/a><\/div>
<\/div><\/div><\/div><\/div><\/div>
<\/i><\/div><\/div>
If you work <\/span> with us , <\/span> you’ll get<\/div><\/div><\/div><\/div>
<\/span><\/span><\/span>
<\/i>
Comprehensive expertise<\/div><\/div>

on credit processes and loan management at banks, so that we can provide you with optimal support during the implementation or migration of your loan solution.<\/p>\n<\/div><\/div><\/div>

<\/span><\/span><\/span>
<\/i>
Extensive industry expertise<\/div><\/div>

From >: 20 years of project experience at state banks, building societies, savings banks, cooperative banks, and private commercial banks.<\/p>\n<\/div><\/div><\/div>

<\/span><\/span><\/span>
<\/i>
Best Practices and Process Models<\/div><\/div>

based on two S\/4HANA Core Banking transformation projects that have already been successfully completed.<\/p>\n<\/div><\/div><\/div><\/div>

<\/div><\/div><\/div><\/div><\/div>
<\/path><\/svg><\/div>
<\/div><\/div><\/div><\/div><\/div><\/div><\/div>
<\/div>
<\/path><\/svg><\/div>
<\/div><\/div><\/div><\/div><\/div><\/div><\/div>
<\/div>

Excerpt from our project examples<\/span><\/p>\n<\/div>