1. Improving efficiency with SAB
The open banking platform. For each business. Everywhere.
Improving efficiency with SAB
Meeting with ADFIP, November of 2016

2. some common features of ADFIP members
Development banks
Small banks
Old IT systems
Not integrated IT
Limited investments
Digital challenge

3. 1 2 Why are we here : Corporate overview
AGENDA 1 2
Why are we here : Corporate overview
How SAB AT can improve efficiency

4. Corporate efficiency

5. Thanks from Henri Assaf

6. The SAB strengths Multi-business software vendor
Integration and value-added services
International strategy

7. Multi-business software vendor
Focus
Domestic Retail Banking
International Retail Banking
Corporate Banking
Digital Banking
Islamic Banking
Development banks
Ethical Banking
Private Banking
Securities Services
Asset Management 1
Banks
New actors
Payment Institutions
Electronic Money Institutions
FinTech Companies
Microfinance Institutions
Crowdfunding Platforms 2
Fintech : New actors which make digital banking

8. Integration and added-value services
Consulting (Business experts)
Software production & Maintenance
Implementation & Support
SaaS
BPO
SAB Conseil
SAB
SAB Services

9. International strategy
Belgium
Cyprus
France
Luxemburg
Monaco
United Kingdom
Iran
Lebanon
Syria
Turkey
French West Indies
Saint Pierre & Miquelon
French Polynesia
New Caledonia
Algeria
Morocco
Congo
Tanzania
Djibouti
Tunisia
Mali
Mayotte
Reunion
Madagascar
Mauritius

10. SAB in the Pacific area

11. € Fact and figures R&D SaaS Collaborators:
680 people world wide among which 130 consultants
Turnover:
60 M€ (estimated for 2016)
+15% from 2015
Shareholders:
Olivier Peccoux
Henri Assaf
International Finance Corporation (World Bank)
Research and Development:
>30% of the time of our employees has been spent in R&D for the last 5 years
Turnover Saas: +81% from 2013
Leader in France €
SaaS
R&D
Distribution of people by domain:
Distribution of customers by continent:
Leader en France % Ailancy Rapport 2014

12. Payment institutions & New businesses
More than 150 References
Retail Banks
Private Banks
Corporate Banks
Payment institutions & New businesses
Development banks or similar

13. recognition OF analysts
Important evolution from 2014 to 2016
2014

14. SAB AT Software efficiency

15. Main general features Operationnal efficiency
Marketing and sales efficiency
Customer centric & CRM
Product and packages
Digital banking
Operationnal efficiency
Multi-x features
Real time information
STP and real time operations
Process oriented
Monitoring efficiency
High security
Compliance

16. Marketing and sales efficiency CRM and cutomer centric
Different kind of cust.
Physical people
Corporates
KYC - Control of duplicates
When creation
By scanning of the customer data base
Relationship between third party
Sales links
Risk consolidation
Opened data base
Linking with an external customer data base
Master or slave mode
360° View
Consolidation of Risks and Savings
Historization of the relation
Global view of operations
Marketing and sales efficiency CRM and cutomer centric
Unique Third Party Data base

17. Marketing and sales efficiency Products and services platform
Distribution channels
Integration
SMS-Banking
Branch
Customer
IVR
Advisor
Kiosk
Customer & Sales Management Portal
Claims & Requests
Visits & Interactions
Origination
& Sales
Workflow
Customer Intelligence
360 Degrees view
Alerts & notifications
POS
Web services
Workflow
Retail & commercial Banking Services
Treasury Services
Common Services
Investment Services
Islamic Finance Services
Back Office:
Core banking perimeter
Savings
Current Accounts
Money Markets
Risk Management
Portfolios
Retail Finance
Deposits
Overdraft
Foreign Exchange
Scoring
Corporate Finance
Securities
Mortgages
Corporate Loans
Negotiable Securities
Past Dues Litigation
Mutual Funds
URIA Services
Retail Loans
Trade Finance
Derivatives
Invoicing
RIA Services
Debit/Credit Cards
Payments
Business Intelligence Regulatory
Reporting
Regulatory Requirements
Compliance
Dashboards & DWH
Financial accounting
General Ledger
Analytical Accounting
Cash/Stock Reconciliation
Payment reports
Client Single View
Macron Law
AML
Basel II & III
IFRS
Performance
Profitability
Intelligence
FATCA/ AEOI
Basel 2&3 ……

18. Parametrization by users
Defintion and adjustment of the tariff
Product
Customer (segments, personnalized
Marketing and sales efficiency Quick time-to-market through parametrization
Package & Product creation
Simple or packaged products
Easy to define
Adjustment to the market
Processus driven by the workflow
Flexibility of validation (simple, 4 eyes)
Hierarchical validation
Felxibility of the process
Parametrization by users

19. Marketing and sales efficiency Complete digital banking offer
Your Portal
The Omni channel banking web
Your Mobile
The mobile power for the bank
Your ATM
Digital banking of automated functions
SAB Digital Exchange (SDE)
Connection of digital applications to business services
SAB AT The open banking platform

20. Operationnal efficiency Muti-x features
Description
Multi-company
One session, 1 to n banks
Common or separate datas
One accounting by bank
One technical environment for different entities
Each entity has its own organization
Multi-GAAP
One accounting system
1 on n accounting plan
PCEC (French Banks Accounting Plan), Flexible plan
Language
Customer language
User language
Currency
Each currency is a parameter for :
Auxiliary accounts
General ledger
Financial reporting (internal or mandatory)

21. Operationnal efficiency Real time aligment of the bank
Customer
Everywhere
Corporate
internet
Branch Advisor
Physical or virtual branch
Back-office
Centralized BO

22. Operationnal efficiency STP and real time operations
Accounts position
On-line authorizations
Forecast position
Bank positions
Conterparty and customers
Savings
Commitments
Limits
Accounting
Operations data bases
Operationnal efficiency STP and real time operations

23. Operationnal efficiency Process oriented driven by workflow
Design of the process by the users
Integration of the processus inside the IT system
Implemen-tation
Processing
Reporting
Design
Improvement of the trasactions
Optimisation of the performances

24. monitoring High security
Operational security
Users Rights
Validations driven by workflow
Authorizations
Risk of counterparty
Limits
Visas (temporary limits)
Pending transactions
Delegations
Compliance
AML
Monitoring of accounts
Profiling
Audit trail
Historization
Bottom-up trail
Top-down trail
monitoring High security

25. monitoring REGULATORY AND Reporting SAB SOLUTION
External applications
Commercial Banking
SAB Modules
Private Banking
SAB Modules
General Ledger
Extractors
Management Reports
Customers Printings
GPL Statements and reports
Printing solution mapping
DATA WAREHOUSE
REPORTS GENERATED BI
Financial Database
Risk Database
SAB Report Generator
SAB Profitability Solution
Including :
Legal / MFSA / MCB reporting
BI Reports
Customer Profitability
Database
ALM Database
Internal dashboard
SAB Basel II/III Solution
ALM Database
Datamart

26. SAB AT as banking platform adaptated to the needs of members of ADFIP
Conclusion
SAB AT as banking platform adaptated to the needs of members of ADFIP
The capacity to mutualize (hosting and operationg) a system for more banks in a SaaS Mode
The commitment for creating and hosting local multi-bank system

27. Sales contacts Social networks Bertrand BLUMEREAU
The open banking platform. For each business. Everywhere.
Sales contacts
Website:
Head Office address: 36 boulevard de Vincennes Fontenay sous Bois – France Tel:
Social networks
LinkedIn:
Twitter:
Bertrand BLUMEREAU