OVERVIEW OF OPERATIONS CFT Group of Companies 2015

Transcription

1 OVERVIEW OF OPERATIONS CFT Group of Companies

2 ABOUT THE COMPANY FT has been in the market 1991 since 1991 Over 500 banks of Russia and the CIS use CFT software products and services CFT is among the ТОР-5 software developers in Russia CFT PRODUCT LINE Products for: core banking carrying out all types of banking activities bank participation in the payment market CFT BRANCH OFFICES Novosibirsk Chief Development Centre Moscow Marketing and Sales Centre 17 development centres in the leading economic regions of the RF Representative offices abroad: Almaty, Kishinev 2

3 FINANCIAL PERFORMANCE Growth in Revenue from the Sale of Products and Services of the CFT Group over the Last 5 Years REVENUE CFT Group, RUB billion * ** 14,3 16,0 TOTAL REVENUE CFT Group: 12,2 8,7 5, г г г г г * certified by the KPMG audit firm **including VAT 3

4 MAJOR CUSTOMERS OF THE CFT GROUP Banks Retail chains Corporations, holdings, and public companies 4

5 * CFT's TOP 50 CLIENT BANKS IN TERMS OF ASSET SIZE Banks using CFT products for: core banking operations in the payment markets Rank Sberbank 1 Gazprombank 3 FK Otkrytie 5 Alfa-Bank 6 Rosselkhozbank 7 Bank of Moscow 8 Unicredit Bank 10 Rosbank 12 Khanty-Mansiysk bank Otkritie 14 Credit Bank of Moscow 15 Russia 16 Bank Saint-Petersburg 17 Binbank 19 Rank Russian Standard 20 Nordea-Bank 21 MDM Bank 22 Uralsib 24 Petrokommerz 32 Sovcombank 34 Novikombank 35 National Settlement Depository 37 Vostochnyi Express bank 39 Vozrozhdeniye 40 OTP Bank 44 MTS Bank 45 5

6 CFT PRODUCT LINE PLATFORMS CORE BANKING PRODUCTS CFT PLATFORM 1 CFT PLATFORM 2 MCA NEW CFT-Bank CFT PRODUCT CATALOGUE PROCESSING SERVICES Applications for the bank s business process automation Integrated front office, sales channels management, business analysis, customer communications management Over 330 finished financial Products Products for issuance and acquiring of IPS cards Products for remote banking services PRODUCTS FOR BANK OPERATIONS IN PAYMENT MARKETS PAYMENT SERVICES PREPAID CARDS Pay cards, credit, corporate, co-badged, co-branded, and other cards Instant money transfers without account opening Electronic travel tickets, transportation & banking cards Replenishment of accounts, repayment of loans of any Russian bank Products for acceptance of payments in favour of service providers Payment card for MFIs CUSTOMER LOYALTY PROGRAMS Customer loyalty programs: For banks and retailers Based on prepaid cards Gift cards (gift certificates, prepaid gift cards) 6

7 CORE BANKING PRODUCTS PLATFORM 2 MCA The new generation technology platform for development and use of MISSION CRITICAL bank applications THROUGH THE USE OF THREE-TIERED ARCHITECTURE, PLATFORM 2 MCA PROVIDES THE BANK WITH: Unlimited scalability High performance RECORD-BREAKING GROWTH OF SOLUTION PERFORMANCE (UP TO 30%) BASED ON ORACLE EXADATA X2-8 AND ORACLE EXALOGIC X2-2 PLATFORMS 7

8 CORE BANKING PRODUCTS MULTITHREADED APPLICATIONS NEW PERSPECTIVES OF ABS PERFORMANCE Criterion Accounts Cards Deposits Loans Transaction day System update Scaling Indicator Up to 100 mln 20 mln 30 mln 30 mln Close to 24x7 Close to 24x7 N-tuple increase of retail business volumes without complete update of Hardware equipment CFT-Bank (Platform 2 МСА) with multithread Applications as an alternative for a new retail system of large banks 8

9 CORE BANKING PRODUCTS NEW CFT-Bank New CFT-Bank Clients. Products. Analytics FRONT-OFFICE FUNCTIONS OPTIMIZATION SWIFT SALES MANAGEMENT FAST MANAGEMENT ANALYTICS 9

10 CORE BANKING PRODUCTS NEW CFT-Bank 7 BRAND NEW ELEMENTS OF THE SYSTEM for the Bank to increase its profit and raise customer loyalty: Products and Sales Management Center Single-window to offer all bank s financial products 300 indicators of the bank s performance Financial statements Communication management Target marketing Gamification 10

11 CORE BANKING PRODUCTS CFT Financial Product CATALOGUE THE CATALOGUE INCLUDES OVER 330 FINISHED PRODUCTS FOR THE MAIN AREAS OF THE BANK ACTIVITIES Private persons Corporate customers Financial institutions Bank transactions CFT FINISHED PRODUCTS ALLOW THE BANK: To reduce the time of launching classic financial Products market To focus on the STRATEGIC and UNIQUE Products To minimise the Product cost To reduce the cost of system launch and ownership EVERY FINANCIAL PRODUCT SOLVES A SPECIFIC BUSINESS TASK OF THE BANK 11

12 CORE BANKING PRODUCTS CFT Financial Product CATALOGUE ELECTRONIC CATALOGUE Over 1,400 applications Convenient explanations structure Ease of choice Detailed Application Catalogue for fine tuning of Financial Products for the bank's business processes 12

13 CORE BANKING PRODUCTS CFT Bank Outsourcing CFT IS THE FIRST RUSSIAN SOFTWARE COMPANY DEMONSTRATING A SERIES OF SUCCESSFUL CASES ON TRANSFER OF BANKS IT INFRASTRUCTURE TO THE COMPLEX OUTSOURCING Implemented Projects: Expobank STARBANK Investtorgbank Adamon Bank CFB Bank IFC Bank IpoTech Bank SKS Bank Miraf-Bank Idea Bank Korea Exchange Bank Rus 2,500 2,8 mln 1 mln users accounts customers Availability of outsourced systems according to SLA: 99,8% 13

14 CORE BANKING PRODUCTS CFT Bank Outsourcing For provision of processing services and CFT-Bank system outsourcing, CFT uses: Two DPCs: DPC 1 the main center, DPC 2 the backup center In-house independent control and security services CFT is a partner of ASTRA, a nonprofit partnership of assistance in development of strategic outsourcing In 2013 PWC performed an audit of CFT and confirmed high level of outsourcing processes CFT develops personal DPC infrastructure according to Tier 3 risk level of TIA-942 standard 14

15 CORE BANKING PRODUCTS Faktura.ru, Remote Banking Provider Organisation of remote banking for corporate and individual customers of the bank based on technology outsourcing The product is used by more than 300 banks and branches 14 years on the market > 1,2 million financial and information transactions DAILY STATISTICS: In In 2013, 2014 the number number of of partner corporate banks Internet-banking corporate clients users using increased Internet-bank by 32%, that increased of private by users %, private times customers by (as 62% compared (as compared to the results with 2013 of 2012) results) 27%* Number of private of payments customers made use by mobile individuals applications using and mobile each 18th applications payment is made has tripled via that (as apps. compared 2013 results) The Processing processing facilities capabilities used used for service for the Product functioning operations are much are several more powerful times than higher equivalent than those in-house of similar solutions in-house of large solutions federal of banks major federal banks 15

16 CORE BANKING PRODUCTS Faktura.ru: range of online services For corporate clients Internet bank (electronic payments solution) Internet bank for1с:enterprise (35 configurations are supported) Mobile Bank Mobile Application FOR PRIVATE CUSTOMERS Internet bank (one-time password solution) Internet bank (Digital signature solution) Mobile Bank Mobile Application 16

17 CORE BANKING PRODUCTS Faktura.ru: Key Benefits The first RBS provider FOR INDIVIDUALS Card security mode management Automatic payments Mobile applications for Android and iphone Online deposit opening Web 2.0 interface Instant money transfers Online card topping-up SMS-based payment for templates FOR LEGAL ENTITIES Faktura.ru Internet Bank for 1C: Enterprise 8 Budget implementation control Electronic document flow Account management in a "single window" Hardware safeguards Payroll projects Risk Control Systems 17

18 CORE BANKING PRODUCTS CardStandard Processing Centre NEW GENERATION PROCESSING Processing services for information and technology support of issuing and servicing bank cards of Visa and MasterCard international payment systems Being a certified service provider of VISA and MasterCard, the CardStandard Processing Centre enjoys the status of a VisaNet Processor and Member Service Provider STATISTICS: CardStandard Processing Centre services the card business of over 100 banks The total number of cards under servicing exceeds 23 million 18

19 CORE BANKING PRODUCTS CardStandard Processing Centre STRATEGIC PARTNERSHIP WITH THE PROCESSING CENTRE ALLOWS THE BANK TO: Provide the card business with full technology support (back-office outsourcing, online interaction with the bank s automated banking system, smart fraud prevention system) Provide customers with call centre services and possibility of setting/changing a payment card PIN code by phone Offer the customer a range of additional financial services (utilities payment, mobile communication, money transfers), card account remote control tools (Internet bank and mobile bank, cash-in ATMs), various loyalty programmes 19

20 PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS Golden Crown Payment System PARTNER CREDIT INSTITUTIONS RESIDENTS NON-RESIDENTS PAYMENT CENTRE NON-BANKING CREDIT ORGANISATION, PAYMENT SYSTEM OPERATOR AND PROCESSING CENTRE CJSC ZOLOTAYA KORONA, TRANSACTION AND PAYMENT CLEARING CENTRE Pay cards, credit, corporate, co-badged, co-branded, and other cards Instant money transfers without account opening 20

21 PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS Bank Card INFRASTRUCTURE READY FOR PROCESSING MAJORITY OF RUSSIAN DOMESTIC INTERBANK SETTLEMENTS CARD ISSUANCE ATM NETWORK POS AND CD NETWORK Golden Crown cards 8 mln. Acquirers of the Golden Crown Payment System 12 ths. Acquirers of the Golden Crown Payment System 6 ths. Co-brand cards: MasterCard Golden Crown, Golden Crown Union Pay 11 mln. Other banks cards (H2H integration) 18 mln. Participants of the Golden Crown Payment System (direct H2H connection) - 50 ths. Additional ATMs of the systems (H2H connection): UCS (40 ths), Russian Standard Bank (60 ths), Gazprombank (15 ths), MInB (7 ths) 122 ths. 37 mln 62 ths 128 ths 21

22 PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS Bank Card WIDE RANGE FOR PARTICIPATING BANKS All card standards EMV (own EMV-compliant application, opportunity to issue cards at banks in-house processings) Magnetic Stripe MPCOS Unique infrastructure Golden Crown MasterCard Golden Crown Golden Crown Union Pay 90% of system software are Russian solutions 22

23 PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS Bank Card UNIQUE EXPERIENCE OF COOPERATION WITH THE INTERNATIONAL PAYMENT SYSTEMS MasterCard Golden Crown co-branded/co-badged card programs Issued since 2009 Largest issuers Credit Union Payment Center, Sovkombank Golden Crown -Union Pay co-branded card program Issued since 2012 The only provider of co-branding solution with Union Pay in Russia Largest issuers MTS-bank Union Pay acquiring POS and Cash acquiring since

24 PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS Money Transfers Socially important payment system Since September 30, 2013 IN ACCORDANCE WITH THE FEDERAL LAW No.161-FZ Golden Crown has been registered with the CBR Payment Center, operator of the Payment System, has been entered into CBR Register 24

25 PRODUCTS FOR BANK S OPERATION IN THE PAYMENT MARKETS Golden Crown Money Transfer Service MORE THAN 48 THS. OF SERVICE LOCATIONS IN THE TERRITORY OF RF, COUNTRIES OF NEAR AND FAR ABROAD COOPERATION WITH THE LARGEST TRADE NETWORKS MORE THAN 550 PARTICIPATING BANKS и другие 25

26 PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS Money Transfers LEADING SYSTEM IN RUSSIA AND CIS AND 3 RD LARGEST SYSTEM IN THE WORLD Remittance systems shares in RF and CIS in (%) 57% Turnover of the world s largest money transfer systems ($ bln) 88 10% 31 10% 16 9% 12 Source: CBR, Annual reports of companies, estimation of the Golden Crown Money Transfer Service 26

27 PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS Money Transfers WORLD S FASTEST GROWING REMITTANCE SYSTEM LISTED ON THE CBR S REGISTER OF SOCIALLY IMPORTANT PAYMENT SYSTEMS 420 SYSTEM TURNOVER (RUB BLN) % Turnover growth 31 MLN Performed transactions +119 New partners 19 Countries of the world Source: data provided by the Golden Crown Money Transfer service 27

28 PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS Transport Card ELECTRONIC TRAVEL TICKET FOR CASHLESS FARE PAYMENT: Use on any type of public (municipal and private) transportation Integration with navigation and dispatch systems Flexible billing of fares, calculation of discounts and bonuses Targeted provision of social security measures for passenger transportation services and fare calculation for concession categories of citizens Transformation of transportation cash flows into a cashless transaction, money supply to the banking sphere Unmanned fare payment scheme Integration with the existing payment acceptance networks STATISTICS The system is present in 35 cities and 12 regions of Russia Over 2.7 million transport and social cards have been issued Over 37 million transactions are made every month 28

29 PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS Payment of fare in public transport from a mobile phone by means of NFC technology* MTS subscribers with the connected MobileTicket service may pay the fare in public transportation simply by bringing their mobile phone to the metro turnstile reader or conductor terminal THE CARRIER'S FARE IS CHARGED OFF THE MOBILE PHONE ACCOUNT *Near Field Communication is a short-range high-frequency wireless communication technology for data exchange between devices at a distance of about 10 cm 29

30 PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS Loan Repayment Loan payments in TWO TICKS! The Golden Crown Loan Repayment product allows the bank to promptly create a well-developed infrastructure of terminals for loan payment acceptance as well as account and deposit replenishment within a walking distance from the client throughout Russia A wide service network throughout Russia Payments up to the amount of more than RUB 15,000 On-line fund credit technologies Outsourcing of claims operations and call centre functions Marketing support INFRASTRUCTURE Commercial networks I Payments collection terminals I Internet banking systems 30

31 ALL CARD LOYALTY PRODUCTS BONUS CARDS BENEFITS Long-term customer relations Greater quality of service usage Modelling consumer behavior, promotion of most profitable products Raise income from current client base through cross sales Attraction of new client base and distribution channels Optimization of budget for retention of existing customers Enhancement of positive image INTEGRATION WITH OTHER BANK SYSTEMS IS AVAILABLE (PROCESSING, RBS, etc.) STATISTICS More than 350 implemented projects include Sberbank, Sovkombank, Euroset, Svyaznoy, Detskiy Mir, ION, Beeline, 1C and other

32 ALL CARD LOYALTY PRODUCTS PAYMENT CARDS CARDS BASED ON TECHNOLOGIES OF INTERNATIONAL PAYMENT SYSTEMS WITH REWARD POINTS AND PAYMENT FUNCTIONS. BENEFITS Competitive advantage: financial services Low costs for product implementation Modelling consumer behavior, promotion of most profitable products Raise income from current client base through cross sales Attraction of new client base and distribution channels Optimization of budget for retention of existing customers Enhancement of positive image STATISTICS More than 12,000,000 participants of our customer loyalty programs 31 32

33 ALL CARD LOYALTY PRODUCTS GIFT CARDS Visa or MasterCard-based card is a quick and technological way to attract customers, encourage staff or partners of a company. OPPORTUNITIES Individual design of cards with trade mark of a company or MyGift ready-made solution MyGift Flexible nominal value: from RUB 300 to RUB 15,000 Instant cash enrollment to a card Card reloading after delivery to a customer Quick issue: cards are not personalized WHERE IS THE PROFIT? Cards resale with additional fee Remuneration for card reloading and distribution STATISTICS More than 1,500,000 of prepaid gift cards were issued for Sberbank, Ozon.ru, Media Markt, MEGA shopping mall, AFIMOLL sales center, Sodexo and others

34 PRODUCTS FOR MICROFINANCE INSTITUTIONS MFI automation complex services MONEY TRANSFERS THROUGH MFI RETAIL NETWORK MFI PAYMENT CARDS ISSUE AND SERVICING MFI SERVICES MONEY TRANSFERS SENT BY LEGAL ENTITIES TO INDIVIDUALS MFI LOAN REPAYMENT THROUGH Golden Crown Loan repayment SERVICE INFRASTRUCTURE CUSTOMER LOYALTY PROGRAMS BASED ON PREPAID CARDS CASH COLLECTION AND PAYMENT FOR GOODS AND SERVICES 34

35 PRODUCTS FOR MICROFINANCE INSTITUTIONS MFI payment cards MFI CARDS ALLOW FOR instant entering of loans to a settlement card of the MasterCard international payment system CARD USE ADVANTAGES FOR MFIs: Reduction of cash flow share. Possibility of complete transfer to clearing settlements with natural persons. Thus, elimination of collection, teller networks, and guarding Unlimited crediting of repeated loans to the card. Possibility of crediting a new loan by means of SMS or via a contact centre For the borrower, the service value is added through provision of additional services (mobile banking, Internet banking) Technological connection without debugging: the whole functionality of card operation is implemented in a single window of a web work station Prompt issuance of a card at an MFI office 35

36 PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS Gorod Federal System: Payment Processing SYSTEM FOR CHARGING AND COLLECTING PUBLIC PAYMENTS: ANY DEVICES: INTERNET BANK I TERMINAL I CASH OFFICE I MOBILE BANK I ATM ANY PAYMENTS: UTILITY CHARGES I INTERNET I TELEPHONEI TV I LOANS The system operates in 83 RF regions, 6 RF cities have 20,000 service providers collect payments using the system s solution 47,000 locations accept payments 900 banking and non-banking organizations representative offices 36

37 PRODUCTS FOR BANK OPERATIONS IN THE PAYMENT MARKETS Professional payment collection management ADD NEW OPPORTUNITIES TO YOUR BUSINESS: Fee income from transfer of funds received for services of regional and federal providers Fast customer service Transfer of funds via any RBS channels Centralized receipt of data on online transfers Uniform agreement signed at the federal level Simple agreement procedure 37

38 All services of the CFT Group are available to you in order to successfully solve your business tasks Contacts and information on the company's products are available at the following websites: