Solution : https://service.sap.com/sap/support/notes/777347 (SAP Service marketplace login required)
Key words : 
prerequisites language & country restrictions fs-cml, cms - collateral management system - collateral management, symptom restriction fs-banking cml, mortgage loans - loan management, collateral management system, terms ea-finserv 5, bad debts - individual, feasibility studyrbd - reseve, mortgage loans, modules cml
Related Notes : 
       
| 741821 | Release limitations concerning SAP ERP 2004 | 
| 536744 | BANKING, BANK/CFM: Upgrading SAP R/3 Enterprise/ SAP ECC |