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EDR
The classic product for “Elektronische Deckungsrechnung” (Electronic Covered Bond Management)
More than 40 Pfandbrief banks manage their covered bonds with the software system EDR. The system ensures the correct adherence to legal rules.
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EDR provides every step of the covered bond management; Electronic or even fully automated inclusion of assets into cover, electronic register
management and automated stress scenarios. Fundamental functions, such as the random sample check by the cover pool monitor during the verification
of cover assets have been verified by the BaFin (Federal Financial Supervisory Authority). In addition, legal regulations and recommendations by the
vdp (Verband Deutscher Pfandbriefbanken) and the BaFin are implemented promptly. Furthermore, EDR offers a functionality that supports management of
a funding register on the basis of the legal requirements.
With its complete product and services concept, EDR is considered a state-of-the-art solution with sustainable optimization of organizational
Pfandbrief relating structures.
The success of EDR is based on the perfect combination of standards, individual customization capabilities and the professional consulting
services for covered bond management and Pfandbriefe. Thus, EDR integrates the covered bond management into the context of the overall courses
of business – a unique selling proposition on the market, since there is now comparably matured alternative to EDR. Furthermore, the cooperational
partnerships with companies, official organizations and associations have made TXS a leading institution in the implementation of standards in
this sector. More than 40 customers using EDR have given TXS the market leadership in the area of completely software-assisted refinancing by means
of Pfandbriefe.
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TXS Pfandbrief
The standard software for Pfandbrief management.
TXS Pfandbrief is the innovative successor product to the proven solution EDR.
In addition to the features of EDR, a great number of extensions and optimizations have been applied to reporting, data management and usability.
TXS Pfandbrief offers the possibility to include assets in cover at an early stage (manually or fully automatically), to manage securities and to
keep an electronic register and a supervision tool for the cover pool monitor. The software manages all steps of the issuance of Pfandbriefe and
their administration in accordance with the German Pfandbrief Act, the Cover Register Statutory Order and other European legal regulations.
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Based on different jurisdictions for the issuance of Pfandbriefe, TXS Pfandbrief offers several Business Content Modules, adhering to the respective requirements:
 Mortgage Pfandbrief und Public Pfandbrief (in accordance with the German Pfandbrief Act
[PfandBG] and the German Public Pfandbrief Act [ÖPG])
Ship Pfandbrief (in accordance with the German Pfandbrief Act [PfandBG])
Luxembourg Pfandbrief (in accordance with the Lettre de Gage)
Austrian Pfandbrief (in accordance with Austrian PfandbriefG and FBSchVG)
In addition, the software offers rating modules with which current reporting templates by S&P and Moody’s can be filled automatically -
at the push of a button.
TXS Pfandbrief is a highly flexible application. In addition to its standard functionalities for the electronic cover register, it offers a wide
range of customizing options. Customer-specific characteristics regarding the level of automation, reporting, workflow and data interface are
possible without much effort, partly even by the user himself/herself. This ensures an ideal adjustment of the application to the internal business processes of the customer.
With its complete product and services concept, TXS Pfandbrief is the reference solution in this field and ensures sustainable optimization of
organizational structures. The product philosophy taken over from the predecessor EDR combined with many years of experience ensures a smooth
implementation, even in complex system environments. Comprehensive services at professional and technical level complete our offer and guarantee
support in all subject areas as well as full service – also during operation.
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TXS Refinanzierungsregister (Funding Register Management)
Insolvency-strong transfer of claims/securities
Based on the legal provisions, TXS Refinanzierungsregister offers the possibility to collect claims and securities in a particular electronic
register and to transfer them to a target transaction. This supports different business cases like syndicated financing or pooling in an efficient manner.
By means of different sections the application provides support for preparing the management of a register and the necessary activities for the administrator.
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TXS Refinanzierungsregister supports different kinds of technical adapter systems, with which data can be passed on to downstream systems
(e.g. TXS Pfandbrief or EDR) to cover the complete value chain of a business model. TXS Refinanzierungsregister is based on the same innovative
technology as TXS Pfandbrief and can also be adjusted to customer specific conditions and needs in terms of data supply, automation, workflow
design and reporting.
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