One of the clients who has recognized the value of IBM BPM (Business Process Manager) tool is Privredna banka Zagreb (PBZ), one of Croatia’s top banks. IBM BPM is a software for managing and optimizing processes. At the end of the year 2011, the Proof-of-Concept of IBM BPM was finished at PBZ, while the process of loan approval was used as an example of a business process. The goal of the PoC was to technically justify the use of the platform within the PBZ’s IT system.

For that reason, the process of loan approval was adapted and it included only the key activities such as creating the information for the offer, loan request and finally the loan request approval/denial. All the functionalities, simulations and reports as the powerful tools of process optimization were implemented.

Through reports, PBZ has gained insight into what is happening in the process of loan issuance and through the process of simulation it was possible to thoroughly analyse the duration of each activity, identifying the possible bottlenecks of the process.