Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 1 Confidential – Oracle Internal

Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 2 Confidential – Oracle Internal Accelerator Pack 12.1 Islamic Integrated Liquidity Management

Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 3 Confidential – Oracle Internal Accelerator Pack – Islamic Integrated liquidity management Introduction Products ILM with header benefit ILM with pool and normal benefit Contents

Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 4 Confidential – Oracle Internal Accelerator Pack – Islamic Integrated liquidity management This document describes the sample ILM products that are offered off-the-shelf  Islamic ILM module of FLEXCUBE supports processing of products like, – Pooling accounts – Sweep accounts Introduction

Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 5 Confidential – Oracle Internal Accelerator Pack – Islamic Integrated liquidity management  This offering has all basic features that are needed for a corporate customer to open an account which could participate in the account structure. Moreover, it contributes its balance maintained in each account to a FUND in order to get the profit.  Features of Account class – IILMHA – Booking of deposit with pooling facility – The account will get the credit or debit interest as per the amount it contributed to its parent Product 1 – ILM with header benefit

Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 6 Confidential – Oracle Internal Accelerator Pack – Islamic Integrated liquidity management Account class parameters Limit checkYes OverdraftYes Track receivableYes Account statistics Yes Exclude Same Day Reversal Transactions from Statement Yes Back period entry allowed Yes Profit charges Yes Track accrued profit Yes Debit credit advices Yes Posting allowed Yes ATM Yes Profit statement Yes Available balance check required Yes Integrated liquidity management Yes Profit calculation balance basis Monthly average balance Mudarabah fund id IAFD10005 Cash reserve ratio 5 Product 1 – ILM with header benefit

Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 7 Confidential – Oracle Internal Accelerator Pack – Islamic Integrated liquidity management  Features of Rule – IPHR – Mudharabah profit rate of 5% – Interest based on pool leader account  Features of Product – IPHR – Accrual frequency as daily – Account level accrual – Liquidation frequency as 1 month – Payment method as bearing – Defer liquidation of 6 days Product 1 – ILM with header benefit

Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 8 Confidential – Oracle Internal Accelerator Pack – Islamic Integrated liquidity management  This offering has all basic features that are needed for a corporate customer to open an account which could participate in the account structure either as a Parent or Child.  Features of Account class – IILMCH – Booking of deposit with sweep or pool facility – Integrated liquidated management option is enabled Product 2 – ILM with pool and normal benefit

Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 9 Confidential – Oracle Internal Accelerator Pack – Islamic Integrated liquidity management Account class parameters Limit checkYes OverdraftYes Track receivableYes Account statistics Yes Exclude Same Day Reversal Transactions from Statement Yes Back period entry allowed Yes Profit charges Yes Track accrued profit Yes Debit credit advices Yes Posting allowed Yes ATM Yes Profit statement Yes Available balance check required Yes Integrated liquidity management Yes Profit calculation balance basis Monthly average balance Mudarabah fund id Yes Cash reserve ratio 5 Product 2 – ILM with pool and normal benefit

Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 10 Confidential – Oracle Internal Accelerator Pack – Islamic Integrated liquidity management  Features of Rule – IPRC, NPRO – Mudharabah profit rate of 5% – Interest based on pool reallocation – Credit interest rate based on normal rule  Features of Product – IPRC, NPRO – Accrual frequency as daily – Account level accrual – Liquidation frequency as 1 month – Payment method as bearing – Defer liquidation of 6 days Product 2 – ILM with pool and normal benefit

Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 11 Confidential – Oracle Internal

Copyright © 2015, Oracle and/or its affiliates. All rights reserved. 12 Confidential – Oracle Internal