Giới thiệu giải pháp Core Banking của Polaris

Intellect Universal Banking Suite

TABLE OF CONTENTS1.0 General information about the product 41.2 Origination, license of the product, and the policy . 51.3 The system architecture 51.4 Technical Developing environment developing tools and OS 81.5 Methodology for designing the system 8Intellect Core 15Features of Core: 16Intellect Origination 16Features of Intellect Origination: 16Intellect Lending 16Intellect Collect 16Intellect Trade 17Features of Intellect Trade: 17Intellect Treasury 17Structured Products 18Features of Intellect Treasury: 18Intellect Armor 18Intellect Integrator 181.6 List of system supported functional features 19Intellect Core 19ATM/ Debit Card Administration Module 20Charging Module 20Accrual and Application Module 21Standing Order Module 21Teller 22Payments Module 22General Ledger System 23Collateral Monitoring System 23End of Day Operations (EOD) 23Customer Communication Module 23Reconciliation Module 23Intellect Origination 24Customer Services 24

Application Processing 24Document, Income, Profile (DIP) 24Agency Maintenance 24Credit Decisioning 24Limit Calculation 25Underwriting 25Risk Sampling 25Business Rule Engine 25Loan Servicing System 25Intellect Collect 26Intellect Trade 26Intellect Treasury 26

1.0 General information about the productPolaris proposes Intellect Universal Banking Suite (UBS), ‘A comprehensive banking system comprising of Core banking, Trade & Treasury and Lending’,Please refer the figure below which depicts the feature of our solution:

Open and standardized System architectureIntellect has been built on an open architecture leveraging J2EE standards for its web components. The system supports industry standard database, browsers and web servers. It enables the application to interface with any third party system using Intellect integrator. Any new modules can also be interfaced with ease. Due to the high level of parameterization, Intellect offers flexibility and does not require high vendor support for any systemic changes supported through parameterization. This can be handled by the internal technology team of Mekong.Ability of modular functioningEnd to End support is available for any channel integration and the interfacing is achieved through Intellect Integrator. Intellect also comes with its native reporting tool which enables the bank to customize any report according to their requirement.Ability of parameterizationIntellect supports a high level of parameterization. Ability to design new products, define interest indices, interest offsets, flexible fees & charging, relationship based pricing, support for multi currency, General Ledger accounts, country list, local bank list, foreign bank list, holiday list, branch details, bank details etc are illustrative of the system’s capability to offer flexibility.User-friendlyThe system is GUI (Graphic User interface) based and is also very user friendly. The system also supports Straight Through Processing (STP) for its various processes without any manual intervention.Cost-savingThe centralized architecture offers the following benefits:• Reduction of hardware & software cost• Reduction in HW/ SW maintenance cost• Reduced dependency on scarce human resources• Improved efficiency in IT management

• Efficiency of operations.1.2 Origination, license of the product, and the policy for license . Polaris, as a policy, does not share the source code (License).However, on mutual agreement; we can enter into an escrow arrangement.1.3 The system architectureFunctional Architecture

Intellect functional architecture comprises of Delivery channels, Security Infrastructure, Business Gateway Layer, Shared Customer Infrastructure Layer, Shared Business Components Layer, Product Processors and backend services.Delivery Channels are customer touch-point applications and Intellect Universal Banking owns the Branch Front End channel and has the capability to interface with other delivery channels such as ATMs, Internet, IVR and Mobile.Intellect Universal Banking Solution is a complete banking system that addresses the needs of the banking industry by combining cutting edge technology with an easily deployable architecture.It is designed to maximize automation of processes, with an aim to increasing the efficiency in all fields ranging from customer service to overall positioning and risk management to reporting. The result is a comprehensive, cost-effective solution that helps financial organizations reach new levels of management control and customer service so that they can compete in today's global markets. Intellect Universal Banking Solution comes equipped with a powerful and comprehensive General Ledger System. This system provides for the maintenance of various account types and bank accounts. Besides this, the GL system also facilitates grouping of customer accounts on the basis of customer and account characteristics and mapping the same into bank accounts for the purpose of consolidation. The customer accounts as well as internal accounts are posted online. However, the consolidation of Sub-ledger would be part of EOD processing.Technical ArchitectureThe architecture is divided into layers based on n-tier architecture and its responsibilities. The diagram below depicts the various layers in the architecture from a technical perspective:

Client LayerThe Client Layer consists of, typically, a thin client that is browser running on a user’s desktop. The Client’s communication to the Application Server processes, residing on Tier 2 is through HTTP.Application Server TierApplication server tier would host the Web Logic application server.Web ControllerA gateway servlet is deployed to listen to all client requests. Servlets listen for HTTP requests and hands over the control to appropriate Application Controller. The listener removes all the HTTP specific details from the request and passes only the event details to the application controller. Typically, there is only one controller for an application.Application ControllerThe application controller gives a business event view for the Client listeners and on the other side, translates them into application events. Business components are designed as small loosely coupled and cohesive components. The controller maps an incoming business event

into one or many application events. Application controllers are normal Java Classes and they help in navigation between business components. The main responsibilities of the Application Controller are:• Validate if the request can be processed• Identify the Event Processor for incoming request• Pass on the event specific details to the Event ProcessorEvent HandlersThis component implements the logic to navigate between different business components to meet the business event. These Java classes make one or more method call to Business Interface to process the event. The main responsibilities of Event-Processors are:• Breaks application event into specific business interface method calls handling various units to maintain the integrity• Makes business method calls with the appropriate parameter• Handles Errors• Summarizes the responses from the various methods calls to be passed on as the response• Formation of appropriate error responsesBusiness ComponentsBusiness components are highly cohesive and loosely coupled. They meet the requirements of a particular functional requirement. They are transparent to the nature of the calling client. The parameters in these components are made highly configurable to meet the fast changing business. The Business layer is designed in three layers:• Infrastructure Components• Business Interface• Business ImplementationInfrastructure Components: System level functionalities such as DB connection pooling, thread pooling, Security validations and so on. requirements can be broadly classified into infrastructure requirements. These requirements get repeated in every application development. The components that are not specific to any business function or domain fall into this layer. These components are highly configurable, as the usage scope will be universal. Business Interface: This layer gives bird’s eye view on the functional requirements. This view changes very rarely across different implementation of the same application. This clear demarcation brings in reusability across similar functional domain. Java Interfaces are normally used to define classes in this layer.Business Implementation: Business implementation bridges the gap between application requirements and the Business Interface. The components in this layer are broken down into Business Workflow handlers, data models and event processors.Data Access ComponentsThese are set of Java Classes for interacting with the database for all the data manipulation operations, query or executing any database stored procedures.1.4 Technical Developing environment developing tools and OSFollowing is the Technical development environment.Platforms UNIX based (Solaris, Linux, AIX,HP-UX)User Interface Browser Based GUI (IE 6.x/Netscape 7.x)Web Server iPlanet 6.1/Weblogic 8.1Security Server Authentication: Armor/Any LDAP basedAuthorization Intellect Armor

Reporting Intellect ReportsApp Server Weblogic 7.x/8.xLoad balancing Weblogic clustering, Oracle RACDatabases Oracle 9i/10gOps Environment Server: Solaris 8.x/Red Hat AS 3.0Client: Windows 2000 WorkstationsClient: Windows 2000 WorkstationsIntegration/Messaging Intellect IntegratorLanguages Java, Pro*C,JavaScript, PL/SQLStandards adopted J2EE1.5 Methodology for designing the systemWe follow the Waterfall methodology for the development.the methodology is described as under.This is a linear sequential model using the principles of structured system analysis and design. In this methodology, first comes the analysis related phases, then the design phase, followed by the construction, with testing related phases completing the process. This methodology is called the waterfall methodology because each phase flows naturally into the next phase like water over a series of falls.The process forces the analysis team to precisely define their requirements. It is much easier to build something if the exact requirements are known.Phase DiagramIn this methodology, phases are very tightly coupled with the software-engineering tasks, as shown in the diagram.

Lifecycle DescriptionProcessKey Steps Deliverable Verification and Validation

1. Project InitiationEntry Criteria: Identification of a piece of work as a projectExit Criteria: Senior Management approvalInitiate ProjectL0 Estimates Project Initiation Report (PIR) Project Management Review (PMR)2. Requirement StudyEntry Criteria: Signed contract/ MOU/ LOI/ Work orderExit Criteria: RDD sign offPrepare for requirements studyPlan for requirements study Requirements Study Initiation Document ReviewDefine the Requirements Requirements Definition Document User ReviewInternal ReviewUser Sign-offPlan the ProjectL1 Estimates Project Quality and Software Configuration Management (SCM) Plans / Consolidated Project PlansProject Schedule PPR3. Analysis

Entry Criteria: Completion of Requirement studyExit Criteria: Analysis/Functional specification model reviewed and approvedPrepare for Analysis Revisit Estimates, Risks and Plans Updated PlansDetailed schedule for the phase Project Plan Review (PPR)Analyze RequirementsTrace functional specifications to requirements Analysis/Functional Specifications Document that includes functional architectureTraceability Matrix User ReviewInternal ReviewUser Sign-off4. DesignEntry Criteria: Completion of Analysis Exit Criteria: Detailed design reviewedPrepare for DesignRevisit Estimates, Risks and PlansL2 Estimates Updated Plan Documents

Detailed schedule for the phase Project Plan Review (PPR)Study environmental features and limitations, Formulate General Design strategies, Map functions to architecture schemas Architecture Design document ReviewDesign data structures, design processing logic Design specification document Review5. ConstructionEntry Criteria: Reviewed Architectural design and Detailed designExit Criteria: Independent Tested UnitsSystem Test PlanPrepare for Construction and TestingRevisit Estimates, Risks and PlansL3 Estimates Updated Plan DocumentsDetailed schedule for the phase Project Plan Review (PPR)Prepare Program Specifications and Unit Test Plan Program SpecsUnit Test Plan (UTP) Walkthrough of Program Specs and Unit Test Plan (UTP)Develop UnitTrace Programs to design Enhanced Unit Test Plan (UTP) CodeTraceability Matrix Code ReviewIndependent Unit TestingPrepare System Test PlanTrace transaction checklist to analysis/functional specification Transaction ChecklistSystem Test PlanTraceability Matrix Review6. TestingEntry Criteria: Completion of IUT of all Units Exit Criteria: Completion of System Test and ReleaseModule and System Test Preparation Module and System Test Execution Test Strategy Test Plans

Defect logModule Test ResultsSystem Test ResultsIntegrated and Tested System Release Release NotesSQA Certificate Release verification7. UATEntry Criteria: Completion of System TestExit Criteria: UAT Sign-offUser acceptance test execution Defect logUser Accepted System UAT Sign-off8. ImplementationEntry Criteria: Completion of UATExit Criteria: Live cut overUser Training Satisfaction Survey Satisfaction Survey Questionnaire with responses Post Implementation Analysis Implementation ReportInstallation and Operations ManualTested User Manual Post Implementation Review

Management ProcessesProcess AreaProcessKey Steps Deliverable Applicable Duration / Frequency1.Project ManagementProject Planning Project, Quality and Software Configuration Management (SCM) plans/ consolidated plans Initially, after completion of requirements studySubsequently, plans are revisited at the beginning of each phaseRe-planning is also required at any point in time for reasons like—drastic changes in requirements/ project scope, excessive slippage, unmanageable defects etc.Project Tracking: Status Reporting Senior Management ReportingStatus Reports internal to ProjectCustomer Status Reports After start of Requirements Study on a monthly basisStatus Reports internal to Project on a weekly / fortnightly basis as per planCustomer Status Report as agreed with the customer as per the planProject Tracking: Project Status Review Project Status Review (PSR) Minutes After start of Requirements Study Fortnightly frequency till project completionProject Tracking: Project management review Project Management Review (PMR) On completion of Project Initiation ReportMonthly frequency till project completionQuantitative Management: Metrics Collection Metrics for Development (M-DV) Form On completion of project initiationMonthly frequency till project completionQuantitative Management: Tracking of Goals Consolidated Plan Part II/ Goal Tracking Worksheet On completion of Requirements Study

As per the identified frequency in planAt the minimum on completion of each phase2. Quality ManagementLanguage Standards Part of Project Plan Reviews Review Form For all deliverables as identified in lifecycle description

Software Quality Assurance: Monthly planning and tracking SQA Status Report After project initiationSoftware Quality Assurance: Software Process Audit PCI Initially on completion of RS or as per SQA planOn completion of each phase or as per SQA planDefect Prevention Task Kick-off Meeting (TKM) Minutes Start of Requirements StudyStart of each Phase as per the criteria stated in Defect Prevention Process and / or Project Quality PlanDefect Prevention Causal Analysis Meeting (CAM) Minutes End of Functional Specifications.End of each phase as per the criteria stated in Defect Prevention Process and / or Project Quality Plan3. Software Configuration ManagementChange Control Software Change Form Any change required in any CI after it has been baselinedVersion Control Versions of CI Any change required in any CI after it has been baselinedRelease Control Release NotesSQA Certificate Release of documents, prototype and systemPerform Configuration Audits Audit Trail ReportIssues Once per month except during system testing.At least on a weekly basis, and at the end of each round of testing during system testing.Tracking, Reporting and Review of Configuration Management activities Change Status ReportDBA Report FortnightlyFortnightly4. Project Administration and MiscellaneousAll other miscellaneous standards, procedures and guidelines would be applicable as defined in IQMS.Project AdministrationHandoverPassword EnvelopeCopyright MessageProject Folder

1.5 List key features of the system.The UBS platform consists of the following components:• Intellect Core• Intellect Origination• Intellect Lending• Intellect Collect• Intellect Trade

• Intellect Treasury• Armor and Integrator• AdrenalinThe features of these components are listed below.Intellect CoreIntellect Core is a complete banking system that addresses the needs of the banking industry by combining cutting edge technology with an easily deployable architecture.Intellect Core is designed to maximize automation of processes, with an aim to increasing the efficiency in all fields ranging from customer service to overall positioning and risk management to reporting.The result is a comprehensive, cost-effective solution that helps financial organizations reach new levels of management control and customer service so that they can compete in today's global markets.Features of Core:Intellect Core is a true 7*24*365 system, which is highly customer centric. The unique blends of features that are offered by Intellect Core, which contribute in making this solution a cut above the rest are:• One-stop solution that offers integrated delivery of all Banking Products. • Comprehensive set of functionality that meets and exceeds the requirements of various banking businesses; be it consumer banking, private banking or corporate banking. • Centralized application enabling centralizing the operations to ensure efficiency and control.• User-friendly applications and screens that increase user comfort and efficiency.• High level of parameterization at the system level, application level and module level. Facilitates quick deployment and customization.• Extensive security features for tighter monitoring and control.• Modularized, Flexible and Highly parameterized design-facilitating deployment of all or specific modules based on business requirements.• Capable of supporting input screens in multiple languages. Also the screen language preference can be configured at the user level.Intellect OriginationIntellect Credit Origination system is a highly evolved sourcing and credit evaluation model which has been envisaged to support Credit origination process through the entire cycle including Lead Management, Application processing, Contact Point verification, Automated Credit Decision, Underwriting, Risk and related functions.It is an integrated rule based parameterized system capable of Straight Through Processing with exception based manual intervention. It has the capability to integrate Bank users with their agencies and their systems. Features of Intellect Origination:• Configurable workflow based transaction processing• Processing system which will service the following: Lead Management, Application Processing, Contact Point Verification, Underwriting, Risk and other related functions• Configurable business rules • Online Real-time Rules Execution• Configurable Letter generation & reporting modulesIntellect LendingIntellect Collect

Intellect Collect is a cost-effective, quick payback efficient solution to the most difficult collections challenges. The unique collections solution has a comprehensive set of tools to effectively control the rising tide of delinquencies. This would dramatically enhance an institution's effectiveness in collecting and recovering money. The customer based collection process; helps the financial institutions improve competitive position, customer relationship and therefore customer loyalty.Intellect Collect easily scales from thousands of cases to millions of collection case by virtue of its being powered by Java and the architecture being Web based. The n-tier architecture uses modern relational database design and a user-friendly graphical user interface (GUI).Features of Intellect Collect:• Efficient tracking using Customer Relationship Concept for monitoring group exposure / delinquency/ performance.• Graphical User Interface for quicker navigation enabling collectors to efficiently interact with the customers and maximize their productivity.• Dynamic alerts for mandatory field updation.• Automated follow-up reminders helps • Avoid cumbersome diary entries by collectors• Avoid being collector dependent• Continuity in collection• Persistent follow up - there by increase in productivity.• Broken Promise Tracking records the instances of promises not kept thereby empowering the collector to strategize his calls.Intellect TradeThe Intellect Trade Finance Platform (TFP) provides for a comprehensive and proven Trade Finance processing solution for the bank’s trade services department. It provides for a robust and integrated platform for automating the complete cycle of trade finance and payment transactions, in line with the UCP and SWIFT requirements for banks globally. With over 16 years of system development and services expertise in the areas of trade services processing, the TFP from Polaris Software Lab offers an advanced and highly flexible technology infrastructure for trade processing.Features of Intellect Trade:• Workflow-centric solution• Superior document imaging capabilities• Capability to define ‘product-variants’ on the fly• Processing efficiency• User friendly and ease of operation• Parameter driven system• Lightweight browser-based applicationIntellect TreasuryIntellect Treasury platform developed by Polaris is an integrated solution for front office, middle office and back office treasury operations. It provides functionality for end – to – end automation of treasury functions, from deal capture to accounting and final settlements. It supports a wide variety of treasury products:• Foreign Exchange • Money Market• Fixed Income Securities

• Derivatives Interest Rate swap Interest rate Futures Forward rate agreement FX OptionsStructured Products Market Linked Deposit Dual Currency Deposit or Premium DepositFeatures of Intellect Treasury:• 24X7 Availability• User-friendly front-end interface• Online real-time interface with host database during transaction processing• User access rights based dynamic menu generation.• Common configuration management system• High scalability at very low marginal cost• EOD process controlIntellect ArmorArmor is an integrated suite of security services to provide end-to-end security, enabling organizations to secure applications with minimal effort and low cost. Armor makes it easier for end-users, administrators and developers to maintain system security by offering the following services:• Single sign-on to Web, Desktop and Telnet applications, through a simple, easy to use browser-based front-end. • A Single point administration tool for administrators to manage the security administration of multiple applications used by the organization. • A complete set of APIs and a wide choice of authentication methods to build security functionality into their applications with minimal effort.Intellect IntegratorIntellect Integrator is a middleware layer that links various clients and business applications and provides clients a single standardized interface to interact with business systems and their services. Intellect Integrator serves as a pass through station between clients and business applications and addresses all integration challenges faced by organizations. It is a flexible and configurable enterprise application integration solution that can be used for integrating any front-end with back-end business applications. Thus, Intellect Integrator enables organizations to integrate their mission critical business applications running in heterogeneous systems in an orderly, standardized and convenient manner. It comprises the following components:• Highly parameterized and configurable Transaction Engine to manage the transaction definitions and workflow associated with it• Message formatting engine that can manipulate the messages and convert them to various desired formats using configurable rules• Communication engine that provides the capability to use a few industry standard communication protocols like HTTP, MQ and LU, to name a fewService Components like Timer Service, Store and Forward, Batch Process, Bulk Process, Listeners and Logger Service are available to extend the functionality of Intellect Integrator1.6 List of system supported functional features

Product Functional Features of banking activities supported by the system Intellect Core Customer Relationship Module• Facility for an Easy and One-Time capture of important demographic information of new customers.• Facility of Opening, Maintaining and Managing The Transaction, Savings and Overdraft Accounts and thereby, providing a single integrated relationship/ account opening facility• Provision for a quick and seamless method of retrieving the previously stored information of existing customers, who want to expand their relationship.• Relationship Opening & Relationship Upgrade: This sub-module facilitates customer demographic details capture and account opening for new holders. It also provides a facility for an existing customer who wishes to add new products or maintain a new account under an existing product.• Product Based Instant offerings: This includes welcome checkbooks, ATM cards, and pin numbers and printed application/ contract forms.Customer Relationship Maintenance ModuleThis module facilitates change of address, change of holders, addition of holders, deletion of holders of an account, change in customer status and so on.Account Services Module• Covering Instructions (Hunting Facility) – Customer having more than one account can specify the other accounts, which should be checked for balance incase of insufficient funds in the transacting account. This is known as hunting facility and would happen online. The priority of accounts to be checked and the channels for which this facility is required could also be stipulated.• Earmarking (Marking Lien) - The system would allow users to define the amount to be earmarked; the reason for the earmark; the effective date and the method of release i.e. automated or manual.Other services include:• Periodic Statement Details Modification Including Frequency• Interest Accrual and Application Scheme Change• Financial Status Change – Normal, Blocked, No Debit Or No Credit• Account Status Change – Active Or Inactive• Account Closure• Adding and Swapping of Holders To An Account• Capturing The Guarantee Details• Charge Account Modification• Cheque Book Issuance and TrackingATM/ Debit Card Administration Module• Issue Debit/ Atm Cards• Maintain Facilities Based On Card Type• Maintain Transaction Limits For Atm and Pos Transactions • Modify Card Information• Hot List/ Close/ Reissue and Reopen Cards• Link/ De-Link Cards and Accounts• Generate Batch File For Card Embossing• Generate ATM Pins and Other Access Channel Pins and Change Pin.• Issue Second Card

Signature Capture and Display ModuleIntellect Core has a signature capture and retrieval system. This module allows users to scan both customer and mandate signatures, link them to accounts, and store the same. Facility has been provided to interface with any brand of scanner.The stored signature can be retrieved and displayed along with the account signature rules on demandCharging Module• Pricing system that allows pricing various combinations of transaction types and service channels. • Parameterized at various levels such as product code, access channels, service requested customers category, etc.• Facility to modify pricing strategy with changing market needs • Facility to base-pricing strategies on access channels• Facility to maintain balance based charges (example on minimum, average, daily minimum, monthly minimum etc.)• Facility to waive/ modify the charges at the time of transaction processing over the pre-maintained charges.• Facility to charge online or on batch mode• Provision to define period-based and count-based resetting of charges.• Charges can be defined as an absolute amount or a percentage of the transaction amount.• Charges can be maintained under different labels (maximum 6). mis reports can be generated on the income under various charge types.• Different charges can be applied for the same transaction, based on the characteristics of the account and other transaction attributes such as currency of transaction, type of account and so on.Accrual and Application ModuleIntellect Core provides a comprehensive accrual and application module that is driven by user-defined parameters. This system provides the features of:• Defining Base Interest Rates and offsets• Linking Rates To Indices• Defining Interest Schemes• Linking Interest Schemes To Accounts Based On Account/Customer Profiles • Defining Accrual and Application FrequenciesThe accrual can be based on value-dated balances or on book-dated balances. further parameterization is also possible, based on the balance types to be considered (for example, minimum monthly average balance, daily balance and so on)Flexible accrual and application frequency can be defined for both the debit and the credit balance.Provision is provided to define multiple offset rates, over and above the base rates, both for debit and credit balances.There is a provision for notional pooling of funds for customer accounts. in this, the accounts of a customer can be grouped under a single umbrella for interest calculation and application purposes. this facilitates the customer to manage his account liquidity betterStanding Order ModuleThe possible set of transactions for which a standing order can be defined include the following:

• Account To Account Transfer• Issuance of Instruments• Fund Transfer – Domestic and Cross Border• Utility Payments• SweepOther Important Features of Standing Order Module Are:• Instruction can be set to execute either in EOD or BOD or EOD and BOD.• Facility for automatic re-trial for failed orders – the number of re-trials could be specified.• In case of sweep, partial or full amount could be specified. if partial were selected, even if partial amount is available in the account, the same would be transferred. Hunting for the balance would be done based on re-trial flag.• Charges can be set for booking of a standing order, execution of standing order as well as retrials for a standing order. • Provision to earmark the funds on a future date before initiating the actual transfer. • Suppression of a standing order instruction for a specific period of time or for a specified number of payments.TellerIntellect Core Teller Is An Integrated Teller System With Multi-Currency Capabilities Catering To The Requirements of The Branch.This system effectively processes cash transactions such as deposits and withdrawal to/ from customer accounts and currency exchange. besides this, it also supports cash deposits/ withdrawals to/ from tide accounts and gl accounts.Under the gamut of travellers check transactions, this module supports tc issue and purchase, for both account holders and walk-in customers.Teller module allows the bank to define the denominations for various currencies and track them at various levels within the bank including teller, vault and ATM, cash management centre (CMC)The module also supports various back office operations like cash movement between vault, CMC, tellers and ATM, inter teller transfer, cash issue, cash return, proofing and reconciliation.Intellect Core Teller module also features an adjustment or data entry system that facilitates direct posting of financial entries into a customer and general ledger accounts. This system aids posting of rectification or adjustment entries.Payments Module• Fund Transfer – Domestic – Incoming and Outgoing • Fund Transfer – Foreign – Incoming and Outgoing With Interface With Swift• Cheque Deposit • Cheque Clearing (Inward and Outward) • Cheque Collection• Printing of Instruments and Maintenance of The StocksTime Deposit Module• Time Deposit Booking• Funding Options of Cash, Debit To Casa, Cheque Or A Combination of Options• Specify Interest and Maturity Payment Options – Credit To Casa, Cash, Instrument Or Roll Over• Specify Customer Spread, While Opening Deposit• Modifications of Standing Instructions Given Earlier

• Pre-Mature Withdrawal• Partial Or Full• Premature Penalty Fee Could Be Defined• Premature Interest Rate Could Also Be Defined• Maturity Closure Or Roll Over • Roll Over Could Be For Principal Or Interest Or Both• Additional Amount Could Be Added and Deposit Rolled OverGeneral Ledger SystemCollateral Monitoring SystemEnd of Day Operations (EOD)The Main Activities That Form Part of Intellect Core EOD Are Listed Below:• Upload of hands-off files received from other systems• Posting of batch entries• Explosion of entries• Integrity checks • Generation of hands off files to other systemsCustomer Communication Module• Letter/ Advice Maintenance and Formatting• Letter/ Advice Generation - Online and Batch• Printing of Letters/ Advice• Regeneration of Letters/ Advices• Simulation of Letters/ AdvicesReconciliation ModuleThe main features of the Intellect Recon module are:• Maintenance • External entities and Accounts • Accounts could be internal or external• Definition of Rules for the reconciliation of records• Definition of Groups and linking of rules to such groups• Rules linked with groups for auto match or for suggestive match• Reconciliation of transactions posted to NOSTRO accounts with account statement/data-feed from counter party in the form of MT950 SWIFT message, flat file upload or manual entry of data.• System provides for Auto match and Manual match• Suggestive match based on the rules defined• Comprehensive Query with Sort/ Filter facility• Reports and hand off Intellect Origination The salient features of the system include the following:• Configurable workflow based transaction processing• Processing system which will service the following: Lead Management, Application Processing, Contact Point Verification, Underwriting, Risk and other related functions• Configurable business rules • Online Real-time Rules Execution• Configurable Letter generation & reporting modulesCustomer Services• Filter Application based on Search Criteria

• Search by wild card • Invoke application from the search result• View status of application and intimate customer of the stage at which the application is being processed • Use Notepad to capture customer instructions on fee, limit. The user can also enter remarks for the underwriter• View list products available for cross sell • View customer letters sent and suppressed • Print duplicate letters Application ProcessingDocument, Income, Profile (DIP)Ensures a preliminary screening of the application to keep the sales focused on the right target segment and unnecessary application log-ins gets controlledAgency MaintenanceAgency Maintenance comprises of the following maintenances:• Agency - Contact Master• Agency - Allotment Master• Agency – Abilities and rates Master• Agency Performance Tracking Master• FSE Agency Master• TAT Strategy MasterCredit DecisioningPolicies can be defined for different stages of application processing. Subjective or Objective policies can also be maintained. • Subjective policy is calculated based on various parameters that need evaluation. These are raised as questions for the user to input.• Objective policy is based on criteria, which is validated by the system. • Score Card Calculation Intellect Lending Limit Calculation To define the limit for any given application. Limits are arrived at based on various parameters, which are used for the rules configured in the Limit table The Final limit for the applicant can be applied based configurable basic limit, deviation, floor and ceiling limitUnderwriting The Applicant’s Income and other demographic details The Applicant’s credit history and credit score The results of various verifications that have been carried out on the applicant A review of the applicant’s performance on the various Policy Rules that have to be applied on him/her. The underwriting module supports the business user toward approving or rejecting the application at its various stages. The processes leading to approval or rejection are as follows: Objective Policy Checks to determine system-recommended Approvals/Deviation Levels/Limits/Rejections Calculate Credit Scores and evaluate against the applicable cut-offs and levels for the same Subjective policy checks and credit limit determination, with possible user overrideThe system supports the above process using the following:

Queue management – Application approval, referral, decline, diarize application, redo application User Management – Application Assignment, Referrals, EscalationsRisk SamplingBusiness Rule EngineThe two major components of the rules engine are: A rule configuration framework, incorporating rule definition into a user interface for creating, editing, and managing a persistent rule base. This allows the user to maintain rules and change them whenever the policies get changed. A rule engine processor that can read in a set of rules, connect to the requisite data sources and targets, and manage the state of the rules environment, and generate the requisite resultsLoan Servicing SystemTo service the entire loan life cycle including loan booking, disbursal, maintenance, repayment schedule tracking, accounting, prepayment processing, delinquency and receivables tracking, non accrual and charge-off processing and collateral management. Product Definition Loan Booking (Collateral Details Capture) Loan Maintenance (Central Limit Monitoring) Intellect Collect This module helps in proactive follow up of delinquent customers. It supports the following features pertaining to banking activities:• Portfolio segmentation• Work list Priority• Versatile Communication – Automatic Dunning• Automatic Escalation – Supervisor Intervention• Recovery Management – Legal and Repossession• Supports tele-calling and field visits• Supports secured and non-secured loans follow up Intellect Trade Intellect trade covers the following banking functionsBack Office FunctionsLetter of CreditBills ManagementGuaranteesFinancingFront Office FunctionsTransaction InitiationReportingCustomer ServiceBank Administration Intellect Treasury It supports a wide variety of treasury products:• Foreign Exchange (FX) Spot Forward Swap Margin Trading• Money Market (MM) Term Deposits and Placements

Call Deposits and Placements Notice Deposits and Placements Discounted instruments Islamic Instruments • Fixed Income Securities (FIS)