Case study FFS Bank: a partnership for innovative credit business


FFS Bank is captive bank for Hyundai and Subaru and a brand-independent financial expert. In addition, the automotive banking specialist within the Emil Frey Group supervises their subsidiaries. For nearly two decades, FFS has been focusing on its core competency: the development of financial products around automobile and the automobile trade.

The partnership of FFS Bank and afb is characterised by close cooperation and great innovative efforts. Since the beginning in 2000, the two companies have been regularly developing new innovations together, such as a fully automated Middle Office solution for the processing of credit decisions in 2002, or a netting functionality for efficient connection of Retail Finance, Wholesale Finance and Collateral Management.


  • high resource efficiency
  • very satified dealers
  • early innovation leadership

FFS Bank uses with afb-CMS an end-to-end solution that automates the entire financing operation – from quotation to the application with fully automated credit deci-sions and processing through to contract management.

'We are now in a position to do our business with far fewer resources than previously despite the fact that the credit business got more complex and fast moving due to changing market conditions and technological developments.'

Ulrich Mann, Managing Director of FFS Bank and FFS Private Leasing

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