
The challenge
OTP Bank Romania's Treasury team identified several areas in its effort to support a lean and fast sales mechanism for a complete client data visibility. The need to improve a mostly Excel-based client management, and to centralize in a single viewpoint all treasury clients, transactions, profitability and volumes across business lines and portfolios.
Treasury also needed a versatile and complex pricing engine, facilitating the core banking system to automate and optimize how prices and products are distributed across bank’s sales channels — branch offices, bank portals, e-banking, mobile apps, etc.
The treasury digital transformation also required the setup and configuration of an automated compliance system forMIFIDII regulations regarding client classification and record-keeping, customized according to the bank’s specific requirements, parameters, and internal procedures.
A key component of the transformation was Pluridio’s treasury platform, including its Treasury CRM, FX Live Pricing Engine and MIFID II Compliance solutions.

The solution
Pluridio worked with OTP Bank Romania‘s treasury and IT teams to interface and integrate with the bank’s relevant internal systems and tools, like Core Banking, Treasury Management System, Email Server, Phone Cisco System and real-time data provider. Leveraging on these system integrations, Pluridio was able to configure a platform of automation software solutions to solve the bank treasury’s existing challenges and give its teams the visibility, speed and reporting they needed.
- A specialized CRM tool to support Treasury sales and real-time reporting at counterparty and portfolio levels. Pluridio’s CRM aggregates dispersed data into a singular decision support tool for the Treasury Sales desk, enabling client centricity and low-friction banking in a product-oriented environment that characterizes the bank Treasury.
- An FX Live Pricing Engine & Management algorithm to automatically compute & propagate to the core banking system personalized 2-way prices for 3 client categories (internet banking platform clients for account FX transactions, Staff for account FX transactions, Branch for cash FX exchange house transactions) with configurable triggers, timers, limit, and compliance checks.
- A Compliance System for MIFID II, with 2 modules:
o Client Classification – automatic MIFID II client classification engine
o Records Keeping – durable storage system of communications with clients for transactions and orders with financial instruments under the scope of the MIFID II directive, enabling transaction-centricity in a system-oriented environment that characterizes the bank Treasury.

Best Practice and Innovation
Launching a sales, pricing and reporting automation platform meant that OTP Bank Romania treasury team could gain instant and complete 360° view starting from each individual client level to groups, client categories, portfolios and to the book-of-business as a whole. The team gain versatility and efficiency in managing client relationships and increasing revenue per account and business unit, facts which are reflected in the Treasury Sales revenue generation since these systems were launched.
From an operational perspective this was also a great success. The Treasury has established a straight-through price creation and distribution mechanism powered by Pluridio’s cutting-edge pricing engine. This has resulted in less repetitive work for the Sales Dealers and helped the Treasury take a more agile and modern shape.

Key Benefits
- Cost savings
- Treasury process efficiencies
- Return on investment (ROI)
- Increased treasury automation
- Regulatory Risk mitigated (MIFID II)
- Improved client and portfolio visibility
- Increased client satisfaction
- Client attrition reduced
- Optimized client profitability
- Errors reduced
- Number of idle client accounts reduced
- Manual intervention reduced
- Complex and granular reporting
- Increased systems integration
- Future-proof solution
- Group solution scaling
- Successful implementation (budget/time)
- Improved key performance indicator (KPI) metrics
Headquarters
Bucharest, Romania
Assets
4.2 bln. EUR
Established
2004
About
OTP Bank Romania is a universal bank that provides complete financial solutions for individuals and companies. it is a subsidiary of OTP Group (Hungary) that operates in 12 contries in CEE and Asia and 112 bln.eur aggregated assets.