1 FLEXCUBE ILEVENIL.M MBA

2 AGENDA INTRODUCTION COREBANKING SOLUTION OBJECTIVE BENEFITS ARCHITECTURE BUSINESS FRAMEWORK COMPONENTS CASE STUDY CONCLUSION

3 INTRODUCTION  i-flex® solutions brings you FLEXCUBE, its core banking solution chosen by over 330 financial institutions in over 115 countries.  World’s best-selling banking solution since 2002 (IBS, UK)  205 customers across 90 countries, on Sep 2004  "Application of the Year" & “The Banker Core Banking Solution of the Year“ by The Banker, London  Awarded the prestigious 2004 Global Singapore Award - for an invention that best applies technology to a strong business model and commercial potential  Finalist for DM Review's World Class Solution Award – 2004

4 CORE BANKING SOLUTION  Core banking solutions, is the nerve centre Of any bank's operations, are one of the few Technologies in the banking industry, still largely dominated by inflexible and antiquated legacy systems  These Core solutions form the backbone of a bank's technical infrastructure, and they constitute a mission-critical element in the financial services industry

5 OBJECTIVES You can build,  customer intimacy,  affording a single view of your customer information,  analysis of customer needs  creation and modification of new products, and, solutions based on accurate, up-to-date customer profiles.  long-term relationship with your customers,  you can provide relationship-based pricing, offering special benefits and facilities in terms of preferential pricing for interest, charges, commissions, fees, brokerage expense and taxes, based on the overall value of the customer’s relationship with your bank.

6 BENEFITS  24x7 processing of large transaction volumes, with the highest levels of availability  Multiple deliverychannelsupport to reach new customers and market segments  A powerful and user-friendly Web-based user interface with context-sensitive online help, based on industry standard XML/XSL technology  Sophisticated security management systems  Multi-currencyprocessing and multilingual capabilities  service-oriented architecture, which reduces technology, operational and personnel costs

7 FUNCTIONAL ARCHITECTURE

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9 TECHNICAL ARCHITECTURE

10 N-TIER ARCHITECTURE

11  To serve the virtual banking customer in competitive environment  It is internet banking solution from I- flex that addresses the challenges of the evolving financial services industry.  It provides links between financial institution of its legacy system and to its customer  Bank can offer quick information access to customer

12 BUSINESS FRAMEWORK provides a ready suite of solutions that deliver an exhaustive set of banking functions over the Internet. The business application modules cater to a host of domains.  RetailInternet banking–  Corporate Internetbanking- Corporate

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14 Components - Business DepositsLoansPaymentsFXL/C Internet AccessATM ServicesTeller Services … Business Function Data Infrastructure

15 Components - Function DepositsLoansPaymentsFXL/C Internet AccessATM ServicesTeller Services … Getting Stuff In and Out Deposit Processing Loan Processing Payment Processing FX Proc. L/C Proc. … Posting, Reports, Risk Mgmt… Business Function Data Infrastructure

16 Components - Data DepositsLoansPaymentsFXL/C Internet AccessATM ServicesTeller Services … Getting Stuff In and Out Deposit Processing Loan Processing Payment Processing FX Proc. L/C Proc. … Posting, Reports, Risk Mgmt… CustomersAccounts … Business Function Data Infrastructure Relationships

17 Components - Infrastructure DepositsLoansPaymentsFXL/C Internet AccessATM ServicesTeller Services … Getting Stuff In and Out Deposit Processing Loan Processing Payment Processing FX Proc. L/C Proc. … Posting, Reports, Risk Mgmt… Business Function Data Infrastructure CustomersAccounts … Relationships

18 COST EFFECTIVE OF NEW ARCHITECTURE  No code change for New Products – Products launched by changing parameters  Scalable for 24x365 operations  Multi-Channel for customer transactions  Co-existence with current application environment  Low Maintenance and implementation costs

19 CASE STUDY- BUSINESS TRANSFORMATION SHINSHEI BANK JAPAN Retail and Corporate operations Over USD 180 billion in assets Application fully deployed over Internet National language support MIS Data warehouse for MIS and regulatory reporting

20 ABOUT SHINSEI BANK Earlier known as Long Term Credit Bank One of the three banks assigned the task of reconstruction of Japanese economy post world war II $187 Bn Assets Existing IT Setup – Mainframe based, largely home grown systems dated 5-30 years old, very high processing cost – Processing banking products – Customer delivery based on traditional channels New Management – as part of privatization initiative Goal – Diversification of business to address retail business in addition to existing portfolio – Rationalize the IT infrastructure and implement a modern and flexible platform to address existing and new business requirements – Enable multiple delivery channels – Achieve reduction in cost of processing

21 FLEXCUBE SOLUTION FOR SHINSEI BANK Complete range of FLEXCUBE Suite of products – FLEXCUBE – Universal Banking Solution (with retail, corporate, investment and branch modules) – (Internet delivery platform) – FLEXCUBE Information Center (Business Intelligence) Phased implementation –MIS and DWH components already live – Implementation of Retail and corporate banking modules in progress Multi-channel delivery being enabled – Web based Teller module (of FLEXCUBE) – ATM, IVR, Call Center and Internet channels Strategic Benefits – Ability to quickly launch new products for diverse categories of customer – Enabling newer delivery channels – Dramatic reduction of infrastructure and operations costs

22 I-FLEX SAMPLE CUSTOMER

23 CONCLUSION Solutions for the e-powered world – FLEXCUBE for back end transaction processing – for e-enabling the business on the Web – FLEXCUBE Information Center for Business Intelligence Complete, Competent and Competitive with i-flex banking suite, i-flex services and i-flex e- commerce

24 Thank You ANY QUESTIONS ??