• Tailor-made Solutions for
    Financial Institutions

Manage Your Institution's Treasury, Risk, Cash and Liquidity,

SUMMA treasury & risk management system presents modular single system solution to help your organization efficiently meet all the treasury needs and optimize balance sheet performance.

SUMMA Treasury & Risk management system combines integrated front, middle and back office functionality with a unique workflow model, enabling user-configurable control throughout the lifecycle of any transaction. This provides banks and financial institutions with the control and automation required for efficient, streamlined operations.

For more information, you can also read our brochure.


1. Treasury & Risk Management

SUMMA TRM is a solution to help your organization efficiently meet all the treasury needs and optimize balance sheet performance. SUMMA Treasury & Risk management system combines integrated front, middle and back office functionality with a unique workflow model, enabling user-configurable control throughout the lifecycle of any transaction. This provides banks and financial institutions with the control and automation required for efficient, streamlined operations.

SUMMA provides a comprehensive system for management of the entire transaction lifecycle. From deal entry to settlements, valuations, reporting and accounting outputs, SUMMA fully integrates the process of managing transaction flow in a robust and detailed way.

  • each transaction is assigned a unique reference number in a user-defined format. Becomes the unique audit number of the transaction
  • highly configurable workflow (direct and reverse condition-based transaction flow, ability to set-up/activate associated automatic events)
  • competitive counterparty quotes for improved execution analysis and auditing
  • deal acceptance - configurable 4-eyes principle for improved compliance and security
  • confirmation sent, confirmation matched
  • settlement of deal
  • custody settlement
  • daily bookkeeping

SUMMA covers an extensive range of instruments used in present-day financial markets, from simple cash instruments and securities, to more advanced linear derivatives as well as complicated non-linear products from the options space. In-depth coverage of all major markets is provided (FX and Money Market, Fixed Income, Equities and Commodities).

  • Cash/Money Market
    • Cash payments/transfers
    • Deposits/Loans
    • Discount/Commercial Papers
    • Money Market Funds
  • FX Market
    • FX Spot/Forward/Swap
    • FX Options (Including exotic features)
    • Non-deliverable Forwards
  • Fixed Income
    • Bonds (Fixed rate/Floating rate/Index-linked)
    • IR Swaps/ FRAs
    • Options on Bonds, Swaptions, Caps/Floors
  • Loans/Bonds with foreign currency clause
    • Initial Principal and Repayments in different currency
    • Repayments linked to prevailing market FX rate
  • Equity Market
    • Shares/Equity Funds
  • Commodities/Commodity Swaps
  • Islamic Finance
    • Islamic Profit Rate Swaps

Optimal capital allocation, prevention of excessive losses and meeting of regulatory requirements are all critical aspects of running a financial services organization. SUMMA’s extensive risk management capabilities will enable you to achieve all of the above leading to a well-run and sound institution.

  • Mark-to-market of all transactions, price quote calculation for currency pairs, zero-coupon yield curves, valuation models for derivatives
  • Liquidity position (liquidity risk) - by calendar gaps, risk gaps, by banks/bank account, by currency, by company/portfolio. Option to include forecasts, operational flows or any other external flows (commodity related)
  • Ability to link exposures and hedges together (Hedge relationship) to better analyze and evaluate hedging strategies
  • FX exposure, definition of FX risk by currency (percent of FX risk)
  • FX risk management - Currency position monitor, grouping by FX gaps, FX hedging, currency contribution
  • Simulations (interest/FX rate sensitivities, simulated transactions)
  • Drill-down up to a transaction level for risk contribution
  • IR exposure – duration, DV01
  • Equity exposure, definition of equity risk per instrument
  • Credit Risk (client hierarchies, client groups, countries, ratings, guarantors)
  • Settlement Risk (with or without credit agreement in place)
  • Limits - possibility to define and monitor multiple level limits on the positions and using different risk measures
  • Value at Risk – historical or applying Monte-Carlo simulation

SUMMA provides a highly versatile and configurable system. By defining an appropriate portfolio structure and user groups, SUMMA gives you the ability to replicate and reflect the hierarchy of your organization, reporting responsibilities and fully implement your compliance strategy.

  • audit trail for all actions performed within the system
  • configurable fields available across the system
  • configurable Groups and Group levels available across the system
  • portfolio hierarchical structure, multiple hierarchies
  • active from/active to feature

Extensive range of reports and analytical tools ensures timely and accurate overview and monitoring of risk positions and exposures. Reporting in SUMMA is highly customisable and the system provides interconnectivity with several applications.

  • position and risk reporting
  • workflow reporting, identification of required tasks and status monitoring
  • filtering/grouping/pivoting
  • calculated columns
  • delivery of the reports (screen-based, by e-mail, formal reporting in PDF format)
  • Microsoft office connectivity with ability to enhance quality of documents by adding system #hashtags


  • daily bookkeeping
  • periodic booking
  • book value change

SUMMA offers centralization, control and visibility in the entire Back Office process. Automating processes and tasks frees up resources, while rigorous checks minimize errors in payments, settlements and general transaction management.

  • Automated Confirmations
    • Tickets, e-mail confirmation
    • SWIFT messages
    • Matching systems connectivity
  • Settlement
    • Direct bank interface
    • SWIFT
    • Payment netting rules
    • Splitting
    • Bank balance import and reconciliation, exceptions handling
  • Custody settlement
    • Custody settlement
    • Deliver vs Payment (DvP) settlement
    • Custody balance calculation
    • Custody balance import and reconciliation

SUMMA provides a very high level of interconnectivity with other systems and applications used in financial markets. This is supplemented by compatibility with major market data providers and trading systems. User conform is enhanced by Straight Through Processing(STP) of transactions for certain types of trades/systems.

  • Cash Forecast
  • Payments and Receivables (ERP)
  • Balances (Bank)
  • Payments (Bank, SWIFT)
  • Confirmation (Bank, SWIFT)
  • Trades (Bloomberg, Reuters, Web-platforms)
  • Accounting (ERP)
  • Market Information management
  • Risk related (Ratings, Correlations and volatilities)

2. Cash & Liquidity Management

SUMMA CLM module provides instant visibility of current and forecasted liquidity, bank accounts status, and multi-currency exposures of portfolios. It has easy to use reports and tools for liquidity modelling and identifying its sensitivities and key drivers. This enables optimisation of funding, more efficient cash-balances management and reduction in operating and financial costs. Proactive liquidity risk management is carried out while delivering on compliance requirements.

SUMMA CLM, building on its integration with ERP or any other 3rd party systems, provides immediate visibility of present cash positions for each portfolio as well as for the whole organization.

Easy to use dashboards and reports and provide either detailed or consolidated position by portfolio, currency, cash flow category or any other parameter requested by a system user.

SUMMA Cash & Liquidity Forecasting

  • highly flexible liquidity forecasting
  • daily automatic feed of all transactions and balances
  • forecasts of cash positions for upcoming days, weeks or months
  • quick dashboards with individually customised views
  • automatic feeds from banks, ERP systems or treasury operations
  • views by currency, portfolio, group or as defined by a user
  • recalculations of cash flows of financial instruments based on real-time market data
  • short, mid or long-term liquidity views with possible inclusion of projected financial instruments

Flexible functionality for quick and user friendly modelling of key changes and its impact on future cash flows. All changes are visualized in a new liquidity scenario that is easy to compare with the original view, highlighting key changes and its impacts. High level of flexibility, including adjustments on portfolio or group level, by currency, specific month or any other desired level is available.

SUMMA Modelling:

  • user friendly screen with predefined key parameters for quick scenario modelling
  • easy to compare multiple scenarios visualized on one screen
  • possibility to create detailed specific conditions for scenarios, specific portfolios, cash-flow types or time periods
  • drilldown option to see details and components of any cash flow forecast shown on liquidity screen

SUMMA CLM provides organizations with a complete overview of all account balances and transactions via automatic feeds of bank account statements. Personalized dashboards enable users to see all the balances of the organization at any given time with adjustable structural views for portfolios or currencies.

SUMMA Bank accounts management:

  • automatic feed of account statements with balances and transactions
  • instant overview of cash position by portfolio, country, currency, subsidiary or group
  • possibility to review liquidity by including projected funding transactions
  • user friendly dashboard with personalized views

Flexible platform for centralized payment management for the whole organization. SUMMA CLM enables to work with multiple accounts for a counterparty and execute netting of transactions.

SUMMA Payments & Netting:

  • adjustable payment flow to create | approve | execute payments from any bank and bank account
  • one single point for processing of all payments / settlements within the whole organization
  • automatic or manual netting

Store and manage documents related to transactions and forecasts such as contracts, customer meeting notes or deal confirmation letters in the system.

Flexible transaction flow set-up enables to use the system for electronic ticket passing, including approval and payments generation, or as a platform to manage and store other documents or contracts. Detailed audit trail history is in line with standard compliance requirements.

Want to See More? Let us Show You a Free & Short Demo.

SUMMA is a sophisticated treasury & risk software to support effective financial management of organizations of any size.

Vajnorská 100/A
831 04 Bratislava
+421 232 151 100