Temenos Products and Strategy

Mark Gunning Director of Strategic Marketing

Partner Elevator Pitch

True software package approach means:

Low cost of ownership
Highest R&D
Future assured through upgrades
Temenos provide best practice, flexibility allows differentiation
T24 is the market leader
Massive breadth of coverage in single, consistent system:
Retail including high volume, Brokerage, Corporate banking, Universal,
Private Banking, Wealth Management, Islamic Banking, Microfinance
Process led, model bank implementations lead to
Real measurable cost savings up to 40%
Fast, predictable implementation projects

2
Benefiting from High R&D

Peer Group** Temenos*

22%

20%

18%

16% Temenos will

spend more than
14% USD500m on
R&D between
2006 and 2011
12%

10%

8%
2003 2004 2005 2006 2007 2008

*Cash R&D, adjusted for the difference between capitalisation and amortisation
**End of fiscal years: SAP, i-flex (ex-services), Misys (ex-Sesame); TCS (BaNCS).
For i-flex in 2008, no data is available so we have assumed the same percentage as in 2007

3
T24 Main Features

Simple Configuration Client

Low
Investment
Complex Configuration

Client Coding Extensions

Regional Platform

High
Core Investment

Flexible Component Mission Critical Scalable

or Integrated 24*7*365

Good Business Highest R&D; Multi Language, Open and

Practice Simplest Upgrade Country, Time- Standard
zone

Model Bank - Fast, Reliable Time to Value

4
T24 Main Features

Simple Configuration

Complex Configuration High

Investment:
Client Coding Extensions Client Higher
Independence

Regional Platform

Core

Flexible Component Mission Critical Scalable

or Integrated 24*7*365

Good Business Highest R&D; Multi Language, Open and

Practice Simplest Upgrade Country, Time- Standard
zone

Buy For Commodity Build For Differentiation

5
Breadth Of Solution Portfolio

Channels Third Party Channels and Systems

Branch Internet Mobile Agent Call Centre IVR ATM/POS Systems

Clearing SWIFT/RTGS Market Data Dealing

FE Mobile
Agility Kit Customer CRM Sales Support
Extensibility Database CIF SCV Profiling Segmentation Prospects Campaigns
Rules Engine Queries Comms. Case Mgt. Preferences Advice* Propensity Origination
GIT Screens Limits Alerts Profitability Credit Score Rewards*

Manufacturing
Currently T24,
Integration, Workflow and Process Product Services
Moving to Design
Catalogue open
Retail
standards
Pricing Interest Model Processes Service Repository Process Workflow
Charges Publishing
Corporate

Private Wealth
Common Services Regulation and ComplianceViveo
Microfinance
Past Due Collections User Roles
Reg Reporting AML Compliance
Archiving Reconciliations Confo. matching
Blacklisting Doc Mgt. Treasury
24/7 Images User Roles
Management Control Islamic
Doc. Mgt. Deposit Boxes Lydian
Doc. Mgt.

Insight Performance Basle II Collateral Universal

Language GL & Control BAM Limits
Payments
Company Currency Time-zone ETL Barracuda
ALM Mkt. Risk

Insight Risk
6
*Roadmap or limited functionality
Breadth Of Solution Portfolio Private Wealth

Channels
Private Wealth Third Party Channels and Systems
Branch Internet Mobile Agent Call Centre IVR ATM/POS Systems

Relationship Clearing SWIFT/RTGS Market Data Dealing

Management
Services offer
Prospect management
Advisory
Contact management
Agility Kit
Managed
Self directed
Customer
Client preferences CRM Sales Support
Action list
Intermediary
Extensibility Database CIF SCV Profiling Segmentation Prospects Campaigns
Wealth reporting
Custody
KYC Comms. Case Mgt. Preferences Advice*
Non
Rules Engine
custody Queries Propensity Origination
Events and alerts
GIT Screens Limits Alerts Profitability Credit Score Rewards*
Back Office Support
Trade Settlement Cash Management Products & instruments
Corporate Action Suite Cash sweeping Accounts
Manufacturing
Custody Management Excess cash reinvestment Term deposits
Reconciliations Currency hedging Loans
Integration, Workflow and Process Product Services
Fees and Charges
Catalogue Design FX
Structured products Retail
Pricing Interest Model Processes
Performance Service Repository
Equities Process Workflow
Valuations Daily performance Bonds & fixed income
Charges Publishing Segmentation
Online and historical Rights Corporate
Group valuations Attribution* Futures and options
Formal printed valuations Composites Exotic options
Report designer Benchmarks & models Funds
Private Wealth
Common Services Regulation and Compliance
Alternative investments
Fiduciaries Microfinance
Modeling Compliance Reg Reporting
Guarantees AML
Past Due Collections User Roles management
Document
Investment profiles
Model portfolios
Archiving Reconciliations Transaction
Confo. matchingconstraints
Blacklisting Doc Mgt. Treasury
Rebalancing Holding restrictions Order management
24/7
Scenario Images
generation Regulatory
User Roles reports Single orders
Compliance alerts Management Control
Bulk orders
Islamic
Performance Deposit
analysis Boxes
Doc. Mgt. Doc. Mgt.
Broker interfaces
Performance
Switch orders Basle II Collateral Universal
Business Intelligence
Language AUM GL & Control BAM Limits
Company Currency Asset flows
Time-zone ETL ALM Mkt. Risk
Payments
Wealth KPIs *Only available with AAA

7
*Roadmap or limited functionality
Breadth Of Solution Portfolio Islamic

Channels Third Party Channels and Systems

Branch Internet Islamic
Mobile Agent Call Centre IVR ATM/POS Systems

Clearing SWIFT/RTGS Market Data Dealing

Investment Products: Corporate Products:
Reversed Murabaha Murabaha
Sukuk
Agility Kit
( Islamic Bonds) Ijarah Customer CRM
Mudaraba (restricted) Musharakah
Sales Support
Mudaraba (unrestricted)
Extensibility Database L/C Murabaha
CIF and SCV Profiling Segmentation Prospects Campaigns
Amanah Musharakah
Comms. Case Mgt. Preferences Advice*
Rules Engine Queries Tawaruq Propensity Origination
Call accounts
Profit
GIT Management Screens Bei Salam.
Limits Alerts Profitability Credit Score Rewards*

Finance Products:
Manufacturing
Murabaha
Musharaka Integration, Workflow and Process
Finance Models
Product Services
Catalogue
Ijarah Design Wakala
Ijarah
Pricing wa Iqtinaa
Interest Fleet financing
Model Processes Servicefeatures
Other Repository Process Workflow Retail
Musharaka Revolving Charity past due
Charges
Tawaruq Publishing Musharaka Reposes assets Corporate
Musawamah Postponement
Bei Salam Asset/collateral
Parallel Salam
Private Wealth
Common Services Finance types Regulation
definition and Compliance
Murabaha model Down payments Microfinance
Fixed rate Hamish
Reg Jedlay
Reporting AML
Past Due
Treasury Collections
Products: User Roles
Automated rate change Sub products
Tawarruq Reconciliations
Archiving
Blacklisting Doc Mgt. Treasury
Murabaha Floating
Confo. matching
rate
Annuity fixed instalments
Reversed
24/7 Images
Murabaha User Roles
Islamic
Wakala
Doc. Mgt. Deposit Boxes Doc. Mgt.
Management Control
Bei Ajel
Islamic Repo Performance Basle II Collateral Universal
Language GL & Control BAM Limits
Company Currency Time-zone ETL ALM Mkt. Risk
Payments

8
*Roadmap or limited functionality
T24 Annual Release Cycle

R05 R06 R07 R08 R09 R10

2005 2006 2007 2008 2009 2010

Enterprise Console BPEL / BAM

EU savings ARC-IB 3
SQL Server Model Processes
IAS 39 Events
Branch Resilience SOA Business Svcs
Basle II Provisioning
Mutual Funds Structured Products
Process Workflow Attribution
Product Catalogue T-Verify IFRS
ProDB T24 Updates
Loan Simulation
Insight BI
Non-Stop
Performance Group
Multi-book
Global Processing Data Warehouse
SEAT metrics Arrangements
ARC / CRM
ARC-IB
Browser 2
9
T24 Application Composition

Workflow
Totally consistent architecture Channels w New Local
(e.g. Credit
1538 Objects FT Cards)

1151 configuration (24171) Stateless

messages
Customer

387 business
Massively extensible T24
Application Version

Data Core
Services T24 Application
Versions Object
Channels Inherits template
Objects API methods
(input, authorise, list etc)
Applications

Data

10
T24 Architecture High Availability

Adobe
Flash

Adobe
AIR
T24 Internet T24 ToolBox T24 Browser T24 Monitoring T24 Web Services

Web Layer

Microsoft
TCP/IP (SSL)

Oracle
IBM WebSphere MQ

IBM
Oracle AQ
Connectivity JMS

Application

Cluster / Hot Standby

Database

11
Arrangement Architecture R11

Product Design & Definition

Lending Term Deposits Accounts Product Bundles

Product Lines

Product Groups

Product Families

Product Components
Customer Officer Limit Account Accounting
Attributes Actions Attributes Actions Attributes Actions Attributes Actions Attributes Actions

Activity Restriction Activity Mapping Activity Presentation Activity Messaging Activity API
Attributes Actions Attributes Actions Attributes Actions Attributes Actions Attributes Actions

Term Amount Payment Schedule Payment Rules Overdue Payoff

Attributes Actions Attributes Actions Attributes Actions Attributes Actions Attributes Actions

Interest Charge Activity Charge Payout Rules Tax

Attributes Actions Attributes Actions Attributes Actions Attributes Actions Attributes Actions

Change Product Closure Alerts Settlement Periodic Charges

Attributes Actions Attributes Actions Attributes Actions Attributes Actions Attributes Actions

Availability Interest Compensation Bundle

Attributes Actions Attributes Actions Attributes Actions

12
Measure Past Performance

Corporate KPIs

13
Measure Past Performance

Analyse Income & Expense

14
Client and Portfolio Metrics

15
13/11/2007
Monitor Transactions

16
Process Led Implementation: Reference Process Architecture

Level 1

Level 2

Level 3

Level 4

T24 Versions / Information Organisational

Repository Enquiries
T24 Modules
Carrier Chart

17
Manage Customer - Detail

TEMENOS Banking Reference Processes

Manage Contacts Last change: 12/12/08 2:12:31 AM
Type: EPC

Contacts to be
managed

Relationship
Manager (PWM)

COS Relationship
RETAIL.FRON open home
page Manager...
T.OFFICE

Customer Service
Officer

Relationship
ENQ
find the Manager (PWM)
FIND.CUSTO
MER customer
Relationship
Manager...

Customer Service
Officer

COS
CUSTOMER. Show 360
OVERVIEW customer view

ENQ Complaint to be Relationship

CRC.TO.DO registered Manager (PWM)
Relationship
Manager (PWM)
Relationship
Manager...
ENQ KYC Relationship
Manager...
CR.CONTACT
Register new Customer Service
.LOG,COMPL
complaint Officer
Mange Customer Customer Service AINT
ENQ contact Officer
COMPLAINT - Client
- Description
- personal visit
- Date
- phone call
New complaint - Channel
- etc. Tasks to be Relationship
created Manager (PWM) registered

Relationship
Manager...

CR.CONTACT Customer Service

Create task
.LOG,TASK Officer
Launch contact Relationship
management Manager... - Channel
- Client
Customer Service - Status
Officer - Description
New task created - Due Date
CR.CONTACT
.LOG,CALL.R Relationship
EPORT Manager (PWM)

Call report to be Relationship Appointment to be Relationship

created Manager (PWM) scheduled Manager (PWM)

Relationship Relationship
Manager... Manager...

CR.CONTACT
Customer Service Create Customer Service
Create call report .LOG,APPOIN
Officer appointment Officer
TMENT

- Contact Status - Channel

- Channel - Status
- Notes - Client
- Contact Direction New appointment - Due Date
Call report created - Other Attendees - Time
scheduled

18
Manage Customer Detail Zoom

TEMENOS Banking Reference Processes

Manage Contacts Last change: 12/12/08 2:12:31 AM
Type: EPC

Contacts to be
managed

Relationship
Manager (PWM)

COS Relationship
RETAIL.FRON open home
page Manager...
T.OFFICE

Customer Service
Officer

Relationship
ENQ
find the Manager (PWM)
FIND.CUSTO
MER customer
Relationship
Manager...

Customer Service
Officer

COS
CUSTOMER. Show 360
OVERVIEW customer view

ENQ
CRC.TO.DO Relationship
Manager (PWM)
19
Relationship
20
21
22
23
ARC Internet Banking

24
25
High quality customer experience

26
 Selected Clients

Corporate Banking and Cash Management Retail Banking

Private Banking and Wealth Management

Payments and Compliance Direct Banking

Brokerage
Central Banking

Islamic Banking

Microfinance & Community Banking

Captive Finance

27
Roadmap
Service Roadmap

29
Landscapes

Landscapes are views of services

A service may well be in multiple landscapes

As part of model bank, Temenos will publish its service catalog as a

number of industry standard landscapes, i.e. BIAN, AIA, IFW etc.

Neo has a tool to create, view and use service landscapes

30
Breadth Of Solution Portfolio

Channels Third Party Channels and Systems

Branch Internet Mobile Agent Call Centre IVR ATM/POS Systems

Clearing SWIFT/RTGS Market Data Dealing

Agility Kit Customer CRM Sales Support

Extensibility Database CIF SCV Profiling Segmentation Prospects Campaigns
Rules Engine Queries Comms. Case Mgt. Preferences Advice* Propensity Origination
GIT Screens Limits Alerts Profitability Credit Score Rewards*

Manufacturing
Integration, Workflow and Process Product Services
Catalogue Design
Pricing Interest Model Processes Service Repository Process Workflow Retail
Charges Publishing
Corporate

Private Wealth
Common Services Regulation and Compliance
Reg Reporting
Microfinance
AML
Past Due Collections User Roles
Archiving Reconciliations Confo. matching
Blacklisting Doc Mgt. Treasury
24/7 Images User Roles
Management Control Islamic
Doc. Mgt. Deposit Boxes Doc. Mgt.
Performance Basle II Collateral Universal
Language GL & Control BAM Limits
Company Currency Time-zone ETL ALM Mkt. Risk
Payments

31
*Roadmap or limited functionality
Process Workflow Architect - Today

Library of Model Bank Service

Reference Processes Repository

Manual WSDL

T24 Process Workflow

32
Process Workflow Architect - Vision

Library of Model Bank Service

Reference Processes Repository

Oracle BPEL
Velocity Template
BPMN XPDL WSDL

BPMN BPEL Model IBM BPEL

Modeller Enrichment Velocity Template
BPEL
XML
Install Install
Microsoft Biztalk
Velocity Template
Eclipse Framework

JBOSS jBPM

33
Process Workflow Architect Product Development

34
T24 User Interface for R11 - Neo

A new RIA User Interface for T24 available with R11

TEMENOS continue supporting Browser.

Remains a stateless architecture

and Rich Internet Application technology offers us more !

35
T24 in the Cloud
Definition of cloud

Characteristics
On demand
Self service
Pooled resource
Elastic provisioning

T24 in the Cloud

Rubik Australian Credit Unions
AlB Hosted investment vehicles
Metrobank hosted, rental model retail
PSCubed Irish Credit Unions
Synchronet Mexican rural banks

37
T24 is cloud ready

38
Strategy

Move T24 into the Microsoft Azure cloud properly

Migrate Synchronet clients into the cloud

Application management provided by Temenos Chennai

Cloud provided by Microsoft

Two objectives

Proof of Concept for all banks

Direct market for microfinance institutions

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Odyssey Product Roadmap
3 Private Wealth Products

A best of breed standalone

front and middle office
Portfolio Management System, offering sophisticated
TripleA PlusTM portfolio management and modelling functionality, such as
performance attribution and portfolio risk to high net worth and
ultra high net worth clients

A fully
integrated front to back office Private
Wealth System, covering all products and processes
T24 Private Wealth offered by a private bank. CRM and portfolio management, full
middle and back office support and wide product coverage.
T24 can be offered with an interface to TripleA Plus for the most
sophisticated portfolio management capability

A comprehensive front
end client-centric Wealth
Management Desktop offering client management and
WealthManagerTM portfolio management functionality to mass affluent and high net
worth clients. WealthManager addresses the requirements of
the North American market

41
T24 Private Wealth Strategy

Temenos will continue to invest in, market and support all 3 products
and demonstrate a comprehensive roadmap for each product

Short term 2011

Interface between T24 and TripleA
Medium term 2012
Extract best of breed components from all three systems into new component
architecture e.g:
Advanced performance including attribution
Advanced modelling including tactical tilts
Portfolio risk
Front office use-ability from WM
Settlement and custody
Enterprise information management (ProDB)
Long term 2013+
Products converge
best of breed component architecture based on Enterprise SOA principals
Full upgrade path provided for all clients

42
 Provisional roadmap

2011 2012 2013

Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4

Core - Customer Relationship Hierarchy

User Interface Advanced usability

User Interface Advanced usability
Infrastructure - Smart Enquiries

Security Advanced violations / error routing

CRM Prospect Management, Integration to Outlook

Decouple front & back

Investment Proposals Phase 2

Smart Portfolio Grouping

Advisor Cockpit

Goal Planning, Investment Planning

Performance Attribution, Risk

Extended Modelling Improvements

Smart Orders

Modelling Derivatives

Simulations,

43
Thank You