Pexim Corporate Profile 350+ Employees35+ million € Revenue in % of growth rate in last 2 yearsISO 9001:2000 Certificated Deep understanding of system Analysis and solution development Applied project managementQuality assurance standards 2 Copiright©2007 Pexim Solutions

Pexim Corporate Profile  Founded in  Pexim Group  Pexim Solutions Belgrade Skopje Banja Luka Sofia Tirana  Pexim CardInfo Belgrade Podgorica Sarajevo  24x7 Service centers Belgrade Skopje Podgorica Pristina  Pexim CMS 3 Copiright©2007 Pexim Solutions

Regional presence 4 + Pexim Dubai Office (Q1 of 2008) + Pexim Slovenia Office (Q1 of 2008) Copiright©2007 Pexim Solutions

Top 10 business drivers for the European and Middle eastern FSI Source: Tower Group 5 Regulation and the need to derive ROI in Compliance Risk: the need to balance risk in the enterprise portfolio Know Your CustomerThe changing competitive landscapeFinancial market instability and global volatilityInvestors’ Increased Scrutiny The need for Operational efficiency and maximizing Value from IT investments The need for speed and agility in Market and Product Innovation The need for a Regional PerspectiveSocial trends such as “Green “ movement

6 Response? Back Office Strategy of the bank Silos Vs Enterprise DW/BI

Silos oriented approach Customer Loans Demand Deposits Mortgage Trading ForEx Credit Card Term Deposits Other Apps Portfolio Mngmt Fermat Basel II solution In-house ODS Oracle OFSA IPS FTP 7

Enterprise DW/BI Calculation engines(Basel II, FTP) Customer Loans Demand Deposits Mortgage Trading ForEx Credit Card Term Deposits Other Apps Portfolio Mngmt 8

Business data is distributed across the enterprise Relevant information on business performance does not span across the enterprise Actionable insight isn’t easily accessible to everyone who needs it Business Intelligence Challenges Today 9

10 1. There’s no single enterprise view of data 2. Inability to gather data for as yet unspecified reporting requirements. 3. Senior Management requests for information require intensive manual effort to respond, and far longer than desired. 4. Multiple databases or spreadsheets storing similar data; no common data “dictionary” across the enterprise 5. No ownership of data 6. Difficulty complying with regulatory requirements like Basel II Accord 7. Senior management questions quality, timeliness, reliability of information used to make multi-million dollar decisions 8. Difficulty answering questions about the origins and business processes performed against data 9. Inability to consolidate data from multiple diverse sources 10. Difficulty in building a single architecture to address both data consolidation and data aggregation requirements. 10 Common signs of unstable data foundation Data Management is the key challenge in meeting Basel II Source: IBM Institute for Business Value analysis, Banks and Basel II: How Prepared Are They?, October 2002 interviews with 32 Financial institutions worldwide Key challenges – Systems & Data Management Copiright©2007 Pexim Solutions 10

Tezauri is a Synergy of.. 11

Timely, comprehensive, accurate, well formatted information for all type of users according to they needs Comprehensive solution which fully covers all business processes from business, data and technology perspective Compliance in domestic and international regulations(Basel II, IFRS/IAS) BDW model - Dictionary for talk between Business and IT, industry standard State of the art technology platform (Microsoft) Enterprise DW – integration of all information potential of the bank(“single truth for all”) Customization according to the bank needs Standardization of data governance process(information ecosystem) Feedback for functional improvement of operational systems Reliable vendor with strong references in banking industry 12

Tezauri Business Content 13

14 Financial Services Data Model A classification of business concepts, and the relationships between business concepts FSDM expressed business concepts by classifying according to 9 fundamental data concepts: IFW FOUNDATION MODELS FSDMFSFMFSWM IFW PROCESS & INTEGRATION MODELS IFW PROCESS MODELS FS-BOM FS-IDM IFW DATA MODELS ArrangementARRANGEMENT CUSTOMIZATION ARRANGEMENT FREQUENCY ARRANGEMENT LIFECYCLE STATUSPotential Arrangement Proposed Arrangement … … Offered Arrangement BDWM BSTs ASTs 14

15 ASTs BSTs BDWM IFW FOUNDATION MODELS FSDMFSFMFSWM IFW PROCESS & INTEGRATION MODELS IFW PROCESS MODELS FS-BOM FS-IDM IFW DATA MODELS Banking Data Warehouse Provides the Data Warehouse design for consolidated data store and analysis structures BDW provides the logical and physical design for a consolidated data hub, including summary structures to facilitate periodic data analysis Involved PartyInvolved Party id Involved Party Name … ArrangementArrangement Id … Description 15

16 ASTs BSTs BDWM IFW FOUNDATION MODELS FSDMFSFMFSWM IFW PROCESS & INTEGRATION MODELS IFW PROCESS MODELS FS-BOM FS-IDM IFW DATA MODELS Business Solution Templates Provides the business-specific scoping mechanisms and content design for front-end reporting BSTs provide business meta-data and MDOLAP properties Business Solution templateCredit Risk Profile Wallet Share Analysis Liquidity AnalysisMeasurements Dimensions… … 16

ASTs BSTs BDWM IFW FOUNDATION MODELS FSDMFSFMFSWM IFW PROCESS & INTEGRATION MODELS IFW PROCESS MODELS FS-BOM FS-IDM IFW DATA MODELS Application Solution Templates Provides the template for the data requirements of non-reporting applications ASTs define a hierarchy of information (parameters) that can be passed to external applications. Acts as a bridge between an application input requirements and the data warehouse source Loss Given DefaultAsset Class Credit Risk Mitigation Credit Risk Approach Bank Corporate … …. Equity 17

18 Basel II Scoping Example  Financial Capital Adequacy Analysis RegulatoryCompliance Metrics listed in pre-defined business solutions 18

Tezauri architecture – Enterprise DW/BI Calculation engines(Basel II, FTP) Customer Loans Demand Deposits Mortgage Trading ForEx Credit Card Term Deposits Other Apps Portfolio Mngmt 19

BI PLATFORM SQL Server Reporting Services SQL Server Analysis Services SQL Server RDBMS SQL Server Integration Services SharePoint Server DELIVERY ReportsDashboardsExcelWorkbooksAnalyticViewsScorecardsPlans END USER TOOLS & PERFORMANCE MANAGEMENT APPS Performance Point Server Excel Microsoft BI An Integrated Offering 20

SQL Server Your Data Any Place, Any Time OLAP FILE XML RDBMS 21

Consolidate and cleanse your data from any source Predictable response across growing volumes of data Simplified management of your data warehouse Build enterprise-scale analytical solutions Extend with comprehensive and predictive capabilities Reach every user and drive actionable insight Deliver Relevant Reports Author extensive reports accommodating any reporting need Manage and scale reporting workloads of any size Deliver intuitive reports to every user in the format and location they prefer SQL Server Intelligent Data Platform 22

DesignProcess Experience Integrate Any Data Deliver relevant Information Drive Actionable Insights Summary SQL Server Business Intelligence 23

State of the art ETL 24 Data Sources Changed DataMessage model Data warehouse CDC SoR Summary Data marts ETL MSG ETL SoR ETL Sum ETL DM Cube processing Tezauri Manager (metadata and business rules) XML Transform Mappings (Expressions) Classifications Surrogate Key Accounting Units Products Cube XML Transform Mappings (Expressions) XML Transform Mappings (Expressions)

Innovation – Message model 25  Purpose  Staging model between operational systems and DW  Objective  To simplify mapping of operational systems to DW and improve efficiency of ETL  Definition  Number of denormalized DW model entities  Various Representation  Entity (Table)  File  Memory model

Custom SSIS Components Source To BDW Mapping Classification Management Surrogate Key Management Accounting Unit Management Pexim Rank Resolver Pexim Message Mapper Classification Resolver Pexim Surrogate Key Pexim Accounting Unit Rank Management 26

Evolution of ETL Copiright©2007 Pexim Solutions 27

Expression Engine  Expressions as the most powerful tool for:  Data transformations  Data mappings  Domain membership  Data Quality Definitions  Environment for expression:  Definition  Storage  Validation  Execution 28

BI for ALL  User Type  Executives  Managers  Analysts  “Operational” users  User Role  CEO  CFO  Segment Manager  Branch manager  Sales director  Sales Advisor  …  Integrated security 29

Report type 30

Questions Copiright©2007 Pexim Solutions 31