1. Presentation on Remittance & Cash Management
Banking Day 2006

2. Agenda Market Today Business Challenges Inward Remittance
Cash Management
About CashTech
Q&A

3. Transactional Complexities
Segmentation
Transaction
Volumes
Complexity

4. Corporate Treasury View
Corporate Size
Large Corporate
Small Businesses
Global Corporation
Medium-Size Businesses
Treasury Management Functions
Liquidity
Transactions
Information
Risk
Payments clearing & settlement
Payments clearing & settlement, electronic banking, Sweeping
Payments clearing & settlement, electronic banking, Pooling & LM, Supply Chain support
Payments clearing & settlement, electronic banking, Netting, Pooling & LM, Supply Chain Support, FX and Interest risk monitoring
Value
High

5. Bank services is becoming the hub of distribution financial chain
Business Model
LC Payment
Vendor Payment
Procurement
Via Supplier
Vendor Financing
Purchasing,
Distribution,
Wholesale,
Store
Multi-tier Sweep
Payment to Logistic Service Providers
Logistic
Process
Netting
Reconciliation
Sales Order
Collection Report
Payment Reconciliation
PDC Discounting
Cheque Reconciliation
Cheque Custody

6. Agenda Market Today Business Challenges Inward Remittance
Cash Management
About CashTech
Q&A

7. Current Business Challenges
How do I increase
fee based revenue and
improve float management
How do I compete with multinational banks and
Domestic banks
How do I
distinguish
my bank’s
offering
How can I provide better
solution to provide
customer profitability, acquisition &
retention
How do I leverage existing
systems to
launch new products
How do I respond to customized corporate requirements

8. Introduce fee based products
Business focus
Introduce fee based products
Add additional services to existing portfolio
Increase customer stickiness
Inward Remittance
(Retail)
Cash Management
(Corporate)

9. Agenda Market Today Business Challenges Inward Remittance
Cash Management
About CashTech
Q&A

10. Why Inward Remittance The market The revenue
3 million Vietnamese working abroad who send money regularly back into Vietnam
Approx USD 3 billion worth of inward remittances in 2004.
The revenue
Fee Based Revenue
Anywhere between USD 5-10 per transaction
F/X Spread Earnings
Anywhere between basis points
Float Earnings
Revenue from cross selling banks products:
House Loan for the remitter
Fixed deposit for remitters savings, etc.

11. Bank and Customer Perspectives
Better
Conversion
Rate
Ease of use
Fast & Reliable
Remittance
Low Cost
Cross Selling
opportunities
Wider Reach
Remittance
Remittance
Reminders for
Events
Explore
Investment
Opportunities
Low Manual
Intervention
Reward &
Referral
Plan
Bank Perspective
Customer Perspective

12. Agenda Market Today Business Challenges Inward Remittance
Cash Management
About CashTech
Q&A

13. Why Cash Management
Traditional lending relationships are becoming more demanding
Management of Fee based and control of float based income is a necessity
Cash Management has been a flagship offering of MNC banks and Vietnamese banks should capitalize on their distribution network

14. Bank and Customer Perspectives
Attract Deposits
Maximize
Profit
Convenience
Cash Mgt.
Information
Retain Customer
Cash Mgt.
Market Expansion
Minimized Cost
Generate Fee and Float
Bank Perspective
Customer Perspective

15. Agenda Market Today Business Challenges Inward Remittance
Cash Management
About CashTech
Q&A

16. CashTech Fact Sheet Revenue 650 Full Time Employees Geography –$
74.0 M .
More than 700 banks as customers, with over 150 sites on Cash Management
Customers include HSBC, Deutsche Bank, Citi, BNP Paribas, ABN Amro Bank, Kasikorn, Maybank……
Cash Management expertise spanning over a decade
Local expertise with implementations at large local banks in the region $
70m $
60m $
58.5 m $
47.6 m $
50m $
39.8 m $
40m $
30m $
20m $
10m
2002
2003
2004
2005
650 Full Time Employees
Geography –
12 locations, 4 continents
Boston
New Jersey
Atlanta
San
Francisco
London
Australia
Zurich / Geneva
Pune
Singapore
Tokyo
Tel Aviv
SG&A
SG&A
SG&A
SG&A
SG&A
SG&A
Support
Support
Support
Support
Support
Support
CashTech
230+ FTE 85 85 85 55 55 55 US
Europe
50%
45%
Services
Services
Services
Services
Services
Services
Technology
Technology
Technology
Technology
Technology
Technology
180
180
180
240
240
240

17. Receivables Management
Solution Overview
Multi Channel Access
J2EE Component Based Solution
Multi-Lingual Multi-Currency
Multi-Bank Multi Entity
Web
Partner Bank
Branch
Agent
Mobile
Multi Debit/ Credit Inst.
Funds Transfer
ACH/Giro
Debit/Credit Card
Check/Draft
Local Wire
Cash
Retail Remittances
Liquidity Management
Receivables Management
Collections
Payments
Integrator
Billing
Reconciliation
Accounting
Product Workbench
Limits
Other systems
SWIFT/Tagged
ERP Adaptors
API
XML
Multiple Fee Based Services
Notifications
Business Analysis
Warehousing
Inst. Printing
Segmented Products
Imaging
Multiple Technical Services
Authentication
Entity Access
Auth/Verification
Error Logging
Event Handling
Reporting

18. Credentials
Rated by the Tower Group as the “Leading Cash Management Solution provider in the Asia Pacific”
JPMorgan Internet Based Cash Management 2001 “Customizable Screen, Workflow, and multi currency product Support”
Bank Technology Report: 10 to Watch! “100% J2EE, ability to differentiate Bank’s offerings from the rivals”
As per Celent “Strong Player in Asia Pacific”
Euromoney 2005 Rates CashTech as the best cash management solution provider globally
Meridian Research says “Leading vendor with Asian experience”
Bank Technology
2005 Award

19. Thank you
Your questions…..