1. Your partner in Banking

2. 2 TIME TO MARKET CUSTOMER SERVICE OPERATIONAL EFFICIENCY CLOUD DELIVERY MODEL 4 COMPLIANCE Core Banking System with right attributes

3. Single Window Increased Mobile/ Branch Locations MIS Reporting/ Regulatory Compliance CoBa Sys All ModulesControlling Costs Introducing our Banking Solution: CoBaSys

4. Migration Implement ation & Consultant Approach All Modules Security Optimized Hardware for high efficiency & throughput Network CoBaSys Features Training & Helpdesk Upgrade & Ongoing SW/H/w, N/w Support …With Robust & Efficient Features

5. …covering the entire Value Chain Employees Business Partners Consumers Charting and Analysis Audit Report Dashboards Report Data Alerts IB Gatew ays Banking Gateways Administrative Apps.

6. ..and Redefining Rural Financial Services Financial Inclusion Proximity and ease of access to services Flexibility in savings and repayment schedules 1 2 Simplicity and speed in processing 3 Small ticket sizes for loans and low- balance savings accounts Basic financial education and information 4 5

7. CoBaSys comes with unique Features…  3 tier Web based bilingual Core Banking Solution with real time on line transactions  Built on scalable technology with robust functionality (JAVA)  Platform Supported – Unix, Linux, Windows  Database Supported – Oracle 11g, MS-SQL, MySQL  App servers Supported – Jboss, Weblogic, Websphere, WASCE  Single DATA BASE for connected branches  MIS generated from Central server with Batch processes running on main database  Proven & reliable technology  3 tier Web based bilingual Core Banking Solution with real time on line transactions  Built on scalable technology with robust functionality (JAVA)  Platform Supported – Unix, Linux, Windows  Database Supported – Oracle 11g, MS-SQL, MySQL  App servers Supported – Jboss, Weblogic, Websphere, WASCE  Single DATA BASE for connected branches  MIS generated from Central server with Batch processes running on main database  Proven & reliable technology

8. … Services Stack Enquiry System at Branches for Users Saving FDs Loans Govt Business Corporate Products Corporate Products Recovery Customer Acquisition Account Openings Standing Instructions Tax Calculation Teller Operations Cashier Operation Corporate Banking General Ledger Central Bank Reports HRMS Fixed Asset MS Circulars Payroll Parameters Centralized MIS Delivery Channels

9. Retail Products Transactions  Savings Accounts  Current Account  Overdraft account  Cash Credit A/c’s  Term Deposits with TDS  Time deposit  Loans/Advances with NPA  Daily Deposit with POS integration  Cash Dr./Cr  Transfer (One to one, One to Many, Many to One)  Clearing  GL entries  FD issue /Payment Renewal  Loan disbursement  Loan Recovery Entry  Sundry/Suspense entry Single Window for Products Single Window for Tx Core Banking Solution

10. Retail Products Transactions  Letters of Credit  Bank Guarantee  Bills Collection/ Discount/Purchase  Interest Defining product wise  Charges defining product wise/ category wise  Day book, General Ledger and Trail Balance/ Weekly  Profit and Loss  Balance Sheet  Decision Support Systems  Management Information Systems  Signature and Photograph Verification  Biometric Verification Corporate Products Back Office Products Corporate & Back-Office Products

11. Clearing Specific Products  Multiple Clearing Houses  Holidays for Clearing Houses and Branches  Lodging and Clearing days specifications  Day-end logical check for lodging and clearing  Fixed/Term deposits/STDRs  Flexi deposit  Recurring and cumulative deposits  Daily Deposit Scheme Clearing Specific Products Clearing & Specific Products

12. Remittances Specific Products  Define document type & document wise stocking and printing  Multiple remittances from single voucher  Stop, lost or duplicate issue & cancellation of documents  Service charges calculation  Customer Enquiry Terminal  Lockers  Generation of advices, Interest and Balance Certificates  Passbook Printing Remittance Specific Products Remittances & Customer Service  Deposit/Remittance printing  Standing Instructions  Cheque Book Maintenance  User Management with Access right system

13. Recurring/ Cumulative Deposits Scheme specific interest charts and covering 0% PMRY FDs Auto Renewal of FDs Renewal of FD with back dated / today's ROI or SB ROI FD Module TDS with reverse calculation Flexi Recurring Deposit & Daily Deposit Scheme Flexi Deposit or Super Savings Bank or Super Flexi Scheme Define own schemes, configure & design documents FD Module

14. NPA with memorandu m details Retail Lending Demand Loan / Term Loan Housing Loan Staff / Public Consumer Loans, Education Loan Loans Module Interest on Mly/Qty, compounding, Moratorium, Simple Interest etc. Protested / Write Off / Claims / Recovery Festival Loans Against Bank own Deposits (LABOD) Agricultural Loans Loans Module

15. Teller Operation Cashier Operation Sundry / Suspense Letter of Credit and Bank Guarantee Lockers Operation Other Modules

16. Mandatory Backup of Database at Day end Deposits & withdrawal limit restrictions User Defined Access Rights Authorization of every exceptional transactions Back-dated as well as online audit trial Integrated Security Features NO deletion – deleted transactions shown in exceptional report N tier user definable user types with entry and authorization limits Terminal locking facility & Forced password changing Concept of maker & checker possible Checksum Strong Integrated Security

17. Single screen operation consist of more than 80% operation One stop shop for a turnkey solution Easy to use ISO 8583 compliant BI support CoBaSys Advantages Financial inclusion solution with CBS as server / client Integratio n with industry proven software such as AML and ALMs CoBaSys- Key Differentiators Single Windows for Account opening & Single Voucher Window

18. Partner with you and take the journey towards growth together… Let us Welcome the new Light Together

19. Questions and answer