1. SWIFTRef and Business Intelligence (BI) May 17 - 19, 2016 African Regional Conference Mauritius Steven Palstermans, Commercial Manager SWIFTRef, EMEA

2. Agenda  Business Intelligence  Portfolio Overview  SWIFTRef:  Portfolio Overview  Changes to the ISO BIC Standard ARC, SWIFTRef & BI, May 17 - 19 2016

3. Business Intelligence (BI) Portfolio Overview ARC, SWIFTRef & BI, May 17 - 19 2016

4. For more details and case studies on the BI offering, please refer to http://www.swift.com/products_services/by_type/business_intelligence/overview http://www.swift.com/products_services/by_type/business_intelligence/overview Roadmap Business Intelligence Economics Services RMB tracker Products Global Transaction Banking SecuritiesTreasury SWIFT Index Currency Index Watch Analytics Watch Securities Analytics SWIFT Scope On-site Business Intelligence Workshops & Training Enriched Watch data Watch Insight SWIFT Business Intelligence products & services support various business lines and give opportunities to optimise functions and understand where business growth sits in the market Existing Exploration Development Central banks Peer benchmarking Corporate bus dev report Peer Benchmarking Watch Securities Insight Watch Analytics Premium RMB Market Insights NEW Corporate Actions Op. Efficiency ARC, SWIFTRef & BI, May 17 - 19 2016

5. From operational to ‘Premium’ business offering Business focusOperational Traffic Analytics WHAT: Operational analysis WHY: Efficiency and quality gains Cost reduction Operational Banking Value Analytics WHAT: Value & Currency flows WHY: Correspondent insights New market opportunities Activity share and benchmark Operational & Business Next Generation Banking Analytics Premium Business & Strategy WHAT: More granularity WHY: New business opportunities Strategic and competitive analysis Focused sales force Insightful market practices Community Feedback Watch Insights WHAT: Pre-Defined Dashboards WHY: Monitor Evolution Easy access Business & Operational ARC, SWIFTRef & BI, May 17 - 19 2016

6. Watch Insights ARC, SWIFTRef & BI, May 17 - 19 2016

7. Cash and Payments ARC, SWIFTRef & BI, May 17 - 19 2016

8. Overview on the overall activity on SWIFT and then a closer look at the Cash & Payments business, total messages sent/received in volume and value, AND ranking. ARC, SWIFTRef & BI, May 17 - 19 2016

9. Overview on the overall activity on SWIFT and then a closer look at the Cash & Payments business, total messages sent/received in volume and value, AND ranking.

10. Network Management ARC, SWIFTRef & BI, May 17 - 19 2016

11. What is the weight of your Top 25 correspondents versus non Top 25, and the repartition per type of activity (categories) ARC, SWIFTRef & BI, May 17 - 19 2016

12. Top Currencies: further drilldown by Currencies, its Top Counterparties and its Top Message types + More selector options ARC, SWIFTRef & BI, May 17 - 19 2016

13. Watch Analytics ARC, SWIFTRef & BI, May 17 - 19 2016

15. MT103s+MT202s - Top sending African countries MT103s+MT202s sent from Africa Top counterparty countries Africa – Traffic sent by market MT103s+MT202s sent from Africa Top currencies ARC, SWIFTRef & BI, May 17 - 19 2016

16. Watch Banking Analytics Premium ARC, SWIFTRef & BI, May 17 - 19 2016

17. New Business Insights Trade Finance Confirmation instructions (field 49) L/C tenor length buckets (field 31C/31D) Credit availability (field 41A) Benchmarking to market Development of new products, services and strategies Payments Initial Ordering and End Beneficiary Countries (field 52A and 57A/58A) Details of charges (field 71A) Instructed currencies (field 33B) ARC, SWIFTRef & BI, May 17 - 19 2016

18. Treasury Trade Finance Split between HVP and LVP Payments Benchmarking against market 7 Value buckets ARC, SWIFTRef & BI, May 17 - 19 2016

19. Ranking against the market Global ranking Global Ranking Ranking per MT Ranking per country Ranking per geo- region Ranking per market Ranking per country per MT Ranking per country per market Ranking per country per currency Improved competitive analysis Track sales performance ARC, SWIFTRef & BI, May 17 - 19 2016

20. Visual dashboards ARC, SWIFTRef & BI, May 17 - 19 2016

21. Visual dashboards Map your clearing business and investigate intermediation of your payments business Benchmark your payments charges to market practices Visualise the market of confirmed LCs and track your dedicated activity share Compare your LC tenors length to market standards Discover your activity share in high value payments Rank your activities and track the evolution over time ARC, SWIFTRef & BI, May 17 - 19 2016

22. Payments dashboards – charge details dashboard Overview Counterparty countries Benchmark your payments charges to market practices ARC, SWIFTRef & BI, May 17 - 19 2016

23. Trade Finance dashboards – confirmation instructions Visualise the market of confirmed LCs and track your dedicated activity share Overview Counterparty countries ARC, SWIFTRef & BI, May 17 - 19 2016

24. Business Intelligence Services A competitive advantage by getting deeper analyses and expert insights on your traffic and market practices List of corporates connected to SWIFT, your payment or reporting business activity compared to market or peers Your position and growth in the market compared to peers Help you boost the performance and efficiency of your SWIFT infrastructure and messaging Payments Charge details: BEN/ OUR/ SHA LC Confirmation Tenor Length Peer Benchmarking Peer Benchmarking Strategic Engagement Strategic Engagement Corporates Business Development Operational Excellence ARC, SWIFTRef & BI, May 17 - 19 2016

25. Peer benchmarking Understand your position and growth in the market compared to peers Peer benchmarking Consulting services helping you to leverage the full potential of WATCH products Consulting services providing more in-depth data Business Intelligence Services ARC, SWIFTRef & BI, May 17 - 19 2016

26. Strategic Engagement Uncover where most profitable business sits for your Trade Finance business Consulting services helping you to leverage the full potential of WATCH products Consulting services providing more in-depth data Business Intelligence Services Enriched data Example: LC’s sent from the world to Denmark per georegion – confirmed (orange) / non- confirmed (grey) ARC, SWIFTRef & BI, May 17 - 19 2016

27. BI solutions for banks Example analyses for operational excellence NACK analysisFree text message typeRMA analysis What’s the ratio of NACK messages? How does that compare to the market? What’s the reason for the NACK? STP! How many free text messages are used? What type? How does that compare to the market? Who sends you most? Operational excellence Consulting services helping you to leverage the full potential of WATCH products Consulting services providing more in-depth data Business Intelligence Services Fully understand your banking relationships, following the historical exchange of Swift RMA keys, identifying active/dormant/inactive relationships. Based upon this, an RMA clean-up can be run for you. ARC, SWIFTRef & BI, May 17 - 19 2016

28. Intraday Liquidity Reporting ARC, SWIFTRef & BI, May 17 - 19 2016

29. 29 SWIFT SOLUTION: MAIN OBJECTIVES AND FEATURES Comply with the BCBS 248 reporting requirements Provide live and retrospective monitoring dashboards on cash positions Enable banks to do analytics on the data collected and leverage the insights gained for Liquidity Management purposes and/or others + Light implementation footprint limiting the investment and implementation time + Tailored solution, modular approach, open architecture, phased-in implementation - SWIFT will not report to the regulator, this is the responsibility of the bank

30. 30 SWIFT SCOPE – END-TO-END REAL-TIME BUSINESS INTELLIGENCE SOLUTIONS Collects all necessary intraday reporting data Integrates and processes the data Produces key metrics and reports

31. 31 SWIFT SCOPE FOR INTRADAY LIQUIDITY REPORTING SOLUTION Data received by the SWIFT Interface Alliance Access or Lite2 Reuse existing infrastructure Oracle database Data normalization: SWIFT/non-SWIFT messages, internal data Reference data: account mapping, BIC to LEI, exchange rate Calculation: regulatory metrics, real-time position monitoring, stress testing and other analytics Liquidity dashboards Analytics Reports Dashboards FIN Messages on the SWIFT network {1:F01BROKGB22AXXX0548034693} {2:I910BANKUS33XBRDN3} {3:{108:MT910}} {4: :20:C11126C9224 :21:494936/DEV :25:6-9412771 :13D:1401231426+0100 :32A:140123USD500000, :52A:BKAUATWW :56A:BKTRUS33 -} Customer premises Data integration and transformation with SIL End users

32. Collateral at your disposal http://www.swift.com/products_services/by_ type/business_intelligence/overview ARC, SWIFTRef & BI, May 17 - 19 2016  Factsheets  Case studies  …

33. SWIFTRef Portfolio Overview ARC, SWIFTRef & BI, May 17 - 19 2016

34. What is “Reference data”? HKICL: 402001 CHIPS UID: 437346 BBDEARBA SOGEFRPP Swiss Interbank Clearing code: 08390 BOFAUS3N IBAN: GB23BARC20675966936633 AMD (Armenian Dram) BWP (Botswana Pula) IBAN: CY58002001950000357006666677 SEPA-scheme adherence Banking hours in a country Banking holidays in a country SEPA-readiness Standing Settlement Instructions Reference Data is any type of data related to financial transactions that does not change in real-time USD JPY SEPA ACH membership AA+ AA B- BB+ ARC, SWIFTRef & BI, May 17 - 19 2016

35. Your challenge IBAN format (ISO13616) BIC (ISO9362) LEI (ISO17442) MIC (ISO10383) Local Operating Units Legal Entity Identifiers (LEI), Business Registration Numbers (BRN) Central banks, Banking associations, tax authorities National Bank/Sort codes Financial institutions Standard Settlement Instructions, IBAN and SEPA data Financial information providers Credit ratings, annual reports, shareholding data Collecting and maintaining reference data from multiple sources Collecting and maintaining reference data from multiple sources CNAPS-codes, IFSC- codes, CHIPS codes, GIIN codes ARC, SWIFTRef & BI, May 17 - 19 2016

36. Data collection and maintenance, community collaboration SWIFTRef Central Banks and Banking associations Financial institutions SWIFTRef users MILOU Providers of financial info and ratings SWIFT IBAN format (ISO13616) BIC (ISO9362) MT103+ Bank financials & ratings, country economics LEI FI’s membership SEPA, IBAN, SSI National codes, IBAN Feedback ! PAK ARC, SWIFTRef & BI, May 17 - 19 2016

37. 37 Bank holidays Payments Routing information 817,000 Standing Settlement Instructions 941,000 National bank identifiers (181 countries) 250 Country codes IBAN data of 68 countries, including 36 SEPA countries 392,000 LEIs 179 Currency codes 140,000 local language codes Credit ratings 18 SEPA Clearing Systems 112,000 BICs 180,000 GIINs Coverage doubled vs 2014 99.997% Quality in IBAN Plus New data set in Entity Plus 12% increase in 6 months In Bankers World Online 22 new countries in 2015 SWIFTRef Look how we’ve grown…! ARC, SWIFTRef & BI, May 17 - 19 2016

38. internet In SWIFTRef partner application SWIFTRef delivery channels Manual file download internet Manual query tool (BWO) internet APIs (web services) internet FileAct (automated) SWIFTNet Automated file download (API) internet TXT XML Formatting Monthly Daily Frequency ARC, SWIFTRef & BI, May 17 - 19 2016

39.     Who needs SWIFTRef and for what? Financial institutions Corporate s Local communities MT103/MT202 pacs Payment processing & routing Collection & Maintenance services Regulatory reporting Counterparty high-level risk assessment Software providers ARC, SWIFTRef & BI, May 17 - 19 2016

40. Bank and IBAN validation for ERP Standard Settlement instructions Window on to the SWIFTRef global database Global bank and branch data Real time identification and validation of specific payment reference data points 40 FIs Corporates SMBs National Payments Cross-border Payments Corporate Payments Software vendors IBAN validation data 40 Redistribution deals for embedding data in proprietary applications Who needs SWIFTRef and for what? Payments Initiation and validation ARC, SWIFTRef & BI, May 17 - 19 2016

41. Redistribution deals for embedding data in proprietary applications Window on to the SWIFTRef global database Real time identification and validation of specific payment reference data points SEPA reachability Standard Settlement instructions Participation of FIs to national or regional payment systems, including SWIFT services Software vendors FIs 41 SEPA Payments Who needs SWIFTRef and for what? Payments Routing MI Payments Correspondent Banking SWIFT Net messages Corporates SMIs IBAN routing data ARC, SWIFTRef & BI, May 17 - 19 2016

42. File directory offering single view of entity identifiers and relationship between them Window on to the SWIFTRef global database SMIs Corporates FIs 42 Counterparty Risk Management Who needs SWIFTRef and for what? Regulatory reporting Transaction reporting ARC, SWIFTRef & BI, May 17 - 19 2016

43. Portfolio overview 43 ARC, SWIFTRef & BI, May 17 - 19 2016

44. Changes to ISO BIC Standard ARC, SWIFTRef & BI, May 17 - 19 2016

45. 2009 – 2014 edition ISO 9362:2009 ISO 9362:2014 Institution code = identify an institution (group) worldwide Country code = ISO 3166-1 Location code: - position 7 = time zone indicator - position 8 = network indicator. 1 = not connected to SWIFT FIN Branch code BIC format4an 2a 2an [3an] Business party prefix Country code = ISO 3166-1 Business party suffix Branch code an = alphanumeric a = alphabetic [ ] = optional Business party identifier ARC, SWIFTRef & BI, May 17 - 19 2016

46. The revised ISO 9362 Some context…(1/2) The revised version of ISO 9362 - the International standard for BIC - is being implemented For full details, please check out the BIC Implementation White paper on www.swift.comBIC Implementation White paper www.swift.com The standard becomes “neutral”  Newly registered BICs  The characters in a new BIC will have no meaning. Only the country code is maintained as is.  Specificities of underlying organisation (location, connection status) are no longer embedded in the BIC. They will be specified in accompanying data attributes eg.: XYZTFR95 – French bank not connected to SWIFT  Existing BICs  No change to the BIC itself  Data attributes will be added WHAT changes ? ARC, SWIFTRef & BI, May 17 - 19 2016

47. The revised ISO 9362 Some context…(2/2) Transition period: January 2015 until November 2018 - New BICs - are registered with additional data attributes - Organisations not connected to SWIFT still obtain a BIC1 - Existing BICs obtain data attributes The revised version of ISO 9362 - the International standard for BIC - is being implemented For full details, please check out the BIC Implementation White paper on www.swift.comBIC Implementation White paper www.swift.com After November 2018 - New BICs - The 8 th character in a BIC has no meaning anymore - No new BIC1 will be issued, even when not connected to FIN. - Existing BIC1 will stay unchanged WHEN do these changes take place ? ARC, SWIFTRef & BI, May 17 - 19 2016

48. SWIFTRef directories Impact and changes from the revised ISO9362  Legacy BIC directory  Bank Directory Plus Direct customer impact SWIFTRef directories Impact of revised ISO9362 Proposed changes - BIC connectivity Two different versions of BIC directory - BIC Plus - BIC Directory 2018 Update of Bank Directory Plus SAP software update, transparent to users SAA/SAE software update, transparent to users  Bank Directory for SAP  Bank Alliance file (as part of SAE/SAA) - BIC connectivity - Time zone info - BIC connectivity - Time zone info  BIC Online  BIC directory – Paper version - BIC connectivity SWIFTRef Update, transparent to users ARC, SWIFTRef & BI, May 17 - 19 2016

49. BIC Directory 2018BIC Plus BIC-types included Current FIN BICs (connected & unconnected)Current FIN and SWIFTNet BICs (connected & unconnected) Historic FIN and SWIFTNet BICs Content changesFile structure changes BIC connectivity to FIN Time zone information BIC connectivity to FIN Time zone information Full legal name Registered address BIC activation date BIC expiration date BIC status (active, inactive) BIC’s reachability over FileAct services BIC’s reachability over InterAct services Last update date Last validation date Identifier Type (legal or operational entity, branch) Institution type (financ, non-financ) Special features Event-driven and interlinked Archive-based Linked to other SWIFTRef directory entries File formats supported.txt,. xml.dat,.dos,.ebcdic.txt,. xml BIC Directory New versions – Q1 2016 To be included in existing field To be included in new fields

50. Collateral at your disposal  Generic presentation  Brochure  Factsheets in multiple languages  Data collection & maintenance overview  Case studies  Generic + Product videos  Generic presentation  Brochure  Factsheets in multiple languages  Data collection & maintenance overview  Case studies  Generic + Product videos  SWIFTRef website Technical specifications! Sample files Release letter Frequently Asked Questions License Agreements Webinar recordings  SWIFTRef website Technical specifications! Sample files Release letter Frequently Asked Questions License Agreements Webinar recordings https://swift.com/swiftref ARC, SWIFTRef & BI, May 17 - 19 2016

51. SWIFTRef Workshop 51 ARC, SWIFTRef & BI, May 17 - 19 2016 Deep-dive workshop on SWIFTRef and KYC Registry (including demos) This Friday 20 May 2016 from 8.00 till 11.00 (Think Tank 3) Registration required !

52. Questions Answers &

53. Contact details Thank you! Steven Palstermans Commercial Manager – SWIFTRef Reference Data Europe, Middle East and Africa SWIFT Avenue Adele 1 B-1310 La Hulpe Belgium +32 2 655 3111 +32 2 655 4099 +32 2 655 3752 +32 478 403023 steven.palstermans@swift.com swift.com T D F M W E ARC, SWIFTRef & BI, May 17 - 19 2016