FINACLE WEALTH MANAGEMENT:

MARGIN FINANCE
Finacle Wealth Management: Margin Finance
Overview
The Margin Finance module of the Finacle Wealth Management Solution enables high net worth clients of Bank or Financial Institution to
leverage securities portfolio to minimize cash usage and maximize investment returns.

Margin Finance Products

Key Features
Real-time automation of workflows to
ensure up to date margin positions for
Collateralized Non Collateralized all clients with pre-order calculations
Portfolio Lending Portfolio Lending Support for multiple margin calculation
Securities pledged as collateral No mandate for a pledge of methods
to avail the margin facility Securities in the portfolio to Collateral maintenance includes cash,
Margin value derived from avail the margin facility deposits and securities across multiple
portfolio of securities Margin value derived from asset classes (mutual funds, stocks, bonds,
portfolio of securities structured products etc.)
Multi-tier security & valuation
parameterization at definable levels set
by the bank or financial institution
Loan Against Configurable risk parameters for credit
Security limit, concentration risk parameters and
Securities
Transaction Funding security level restrictions (price cap, value
Collateral such as securities,
Allows leverage transactions property, term deposits cap, volume cap and issue share restriction)
on single security as opposed provided by customer to avail Provision for margin trading
to a portfolio of securities, the facility transactions across asset classes
such as IPO funding Customer avails loan
against securities
Additional features include: margin
facility revaluation, call generation
& ageing

Summary
Advantages for the Bank / Financial Institution The solution enables HNW / Ultra HNW
Seamless integration between the margin financing and security back office operations clients to leverage existing portfolio to
Provision for what- if capability at the bank and account levels to simulate impact maximize returns
of changes in key margin parameters such as security price and margin ratios The solution offers diversification
among others opportunities to clients via geared
Improved visibility into margin portfolio positions & exposure to different customer portfolios
segments; margin calls and ageing positions
The solution helps in building deeper
Reduced credit & operational risk through appropriate checks on margin
relationships with clients by offering
customized margin facilities
drawdown, transaction limits and margin call tracking
Parameterization and flexibility to accommodate the banks specific requirements
The solution offers multiple variations of
leveraged products to clients
Provided as a standalone solution or in integration with wealth
The solution facilitates increase in revenue
management solution earning opportunity by expansion of
client investments through the bank

About Infosys Finacle

Finacle is the industry-leading universal banking solution from EdgeVerve Systems, a wholly owned product
subsidiary of Infosys. The solution helps financial institutions develop deeper connections with stakeholders,
power continuous innovation, and accelerate growth in the digital world. Today, Finacle is the choice of banks
across 94 countries, and serves over 848 million consumers estimated to be nearly 16.5 percent of the worlds
adult banked population. Over a billion bank accounts are powered by Finacle globally.

Finacle solutions address core banking, online banking, mobile banking, payments, treasury, origination, liquidity
management, Islamic banking, wealth management, and analytics needs of financial institutions worldwide.
Assessment of the top 1000 banks in the world reveals that institutions powered by Finacle enjoy 50 % higher
returns on assets, 30 % higher returns on capital, and 8.1 % points lesser costs to income than others.

For more information, contact finacle@edgeverve.com www.finacle.com

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