UniversalSuite. One system, one view for all your banking needs; today and tomorrow. The software specialist for banking and finance

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1 One system, one view for all your banking needs; today and tomorrow.

2 Temenos is a market leading software provider, partnering with banks and other financial institutions to transform their businesses and stay ahead of a changing marketplace. Over 2,000 firms across the globe, including 38 of the top 50 banks, rely on Temenos to process the daily transactions of more than 500 million banking customers.

3 What do our customers want and need? Challenges: Opportunities: New competitions Regulatory changes Data Operational efficiency Greater risk control One transparent view of all accounts Pressures on profitability Multiple, siloed systems Legacy systems Enhanced customer experience Agility and innovation capability Increased profit

4 Market background The banking landscape has undergone massive transformation and has undoubtedly changed forever. The evolution of digital has led to the emergence of non-traditional new banking entrants in all segments. The high level adoption of digital technologies by consumers across the globe has significantly changed customer behavior and expectations. No longer are banks in control dictating the terms in how customers bank with them. The customer has become the driving force of evolution in banking. New competition Banks are now facing increasing competition from many non-traditional competitors including startup banks, fintech players and large technology companies that are not encumbered by legacy systems and are leveraging all the latest technological advances to offer a differentiated customer experience. Regulation The G20/Financial Stability Board-led overhaul of global financial services regulation is radically reshaping the industry. Bankers have been working on complying with Basel III and other new waves of regulation, including anti-money-laundering, anti-terrorist-financing measures, know your client initiatives, sanctions monitoring, and, in some countries, new requirements concerning business conduct and fair treatment of clients. Data Bank data provides a rich insight into client behaviors, intentions and attitudes ultimately helping banks better understand, grow and protect their clients. However, many have disparate data silos with no conformity on semantic standards and therefore have difficulty to accessing and integrating the data to analyze different data types conjointly. Reduced profitability Following the financial crisis, profitability in the banking sector has been fundamentally reset. Current depressed levels of profitability are not sustainable and banks must adjust by increasing income and reducing costs.

5 Multiple systems Many banks operate on multiple systems; having different processes for viewing, originating and servicing customers and often specialist staff. Banks struggle for a single view of the customer as product information and data is dispersed across systems that cannot to talk to one another. Legacy systems The cost of maintaining ageing legacy systems typically eats up ¾ of banks overall spending on IT. Leaving only a ¼ to spend on innovation and keep up with the latest technology to be able to compete with new competition.

6 Overview Universal is a complete software solution for Universal banks with market-leading retail, corporate and wealth management functionality. It combines an agile core with powerful analytics and a user experience platform, all integrated on a single platform. Universal helps banks become customer centric in order to win and retain customers in the digital age. Universal enables banks to leverage the opportunities that this new era presents and not only protect existing profit margins but also to thrive and grow. Universal enables banks to be innovative and quick to market with new and tailored product and service offerings providing a competitive edge. Complete, single solution One solution for all banking needs including functionality covering retail, corporate and wealth management. Transparent, single view Banks and their clients have a 360 view of accounts (including at multi-bank level) in real-time (24/7) and make changes at any time during any stage instantly, mitigating operational and financial risk and supporting liquidity management.

7 Agility Parameter driven, enabling customization by the user, it offers the highest levels of platform flexibility. Its graphical product builder enables banks to quickly create tailored products at customer segments or individual customer level. This combined with the flexible pricing model enables banks to build unique, tailored products and quickly get them to market to gain a competitive edge. Control The underpinning technology and frameworks allow for progressive renovation. This means that banks can choose which modules and components address their business needs and integrate them with existing systems at their own pace. Customer insight Includes key indicators relating to the customers Profitability, Loyalty, Attrition Risk and Number of Products. This enhances every interaction of the customer journey, enabling the delivery of innovative products and services, boosting customer engagement, reducing customer attrition and increasing both customer satisfaction and loyalty levels. Intelligent data will also help attracting new customer segments, identifying target markets and new revenue streams all contributing to increased profitability.intelligent data will also help attracting new customer segments, identifying target markets and new revenue streams all contributing to increased profitability. Why customers use it Multiple, complex systems Lack of control and efficiency Lack of visibility Reduced income New competition Digitized product needs Regulatory risks Limited data access Legacy system costs and riskscompetitive edge. Enhanced efficiency A massively scalable, straight through-processing solution combined with comprehensive business functionality and a modern, advanced, secure, open, modular architecture. It allows you to move to an automated, electronic solution without the need for cumbersome paper based processes for both you and your clients. Products and components can be run on a wide range of stacks, in any application server and, when required, in a multi-tenant or cloud-based set-up to achieve unparalleled levels of infrastructure and operational efficiency.

8 Functionality Universal is a complete software solution for Universal banks with market-leading retail, corporate and wealth management functionality. It combines an agile core with powerful analytics and a user experience platform, all integrated on a single platform. Universal combines a modern, agile core with powerful analytics and a single UX platform for distribution across all digital and assisted channels. It enables you to be competitive with customer-centric, relevant products and an optimized user experience whatever channel the customer chooses to use. By doing this you will be able to benefit from a competitive advantage; customer retention will increase, customer loyalty will be improved, and wallet share and overall profitability will grow. The Universal consists of multiple product families that have an unrivalled breadth of functionality along with strong integration capabilities. Its solutions are modular and componentized in design enabling maximum flexibility and agility both in terms of required functionality and phased implementation.

9 Risk & Compliance Best in class, affordable risk management solutions with incredible speed to market. Our solutions can integrate with any core and provide a full picture of regulatory concern. Financial Crime Mitigation Analytics & Reporting Powerful banking analytics aiming to improve business decisions, optimize performance and enrich customer interaction. Includes key indicators relating to the customers Profitability, Loyalty, Attrition Risk and Number of Products to enhance every interaction of the customer journey, supporting acquisition and retention. Channels Ground breaking solutions enabling banks to deliver products and services across multiple channels, on any device and in any language under a single user experience platform. Banks can now view and manage all their finances in one place (including at multi-bank level). Functionality A range of intelligent, versatile solutions for banks, large and small, to combat financial crime. Comprehensive and highly efficient, banks benefit from reduced operating costs and minimal impact to customers. Front Office Integrated, role-specific, multi-channel capabilities for Universal banks and their clients to support the running of their business and daily interactions and long-term relationships. Core Banking Fully integrated capabilities, deployable on premise or in the Cloud, highly scalable, built on award winning technology and is available on a one single platform. Payments A uniquely flexible payment offering that not only gives wealth managers full, real-time control but also a harmonized customer service experience and centralized for cost efficiencies and risk management.

10 One view, one solution to drive innovation and growth A single, complete system Advanced digital functionality Single multi-account/multi-bank view Benefiting from data Enhanced control and efficiency Customer insight Profitability growth Easily and regularly upgraded 99.9% 50% 50% straight through processing (Swissquote) reduction in hardware and software maintenance costs (Bank SinoPac) reduction in TCO (UBS)

11 Within the last two years using the tools from Temenos, we were able to reduce our TCO by approximately 50 percent, following a major project to identify our cost saving potential by identifying gaps, centralizing as much as we could and making use of our economies of scale. Summary Temenos customers are proven to be more profitable than their peers: in the period , they enjoyed on average a 31% higher return on assets, a 36% higher return on equity and an 8.6 percentage point lower cost/income ratio than banks running legacy applications. Next steps To hear more on Universal, contact us at sales@temenos.com Temenos Group AG (SIX: TEMN), headquartered in Geneva, is a market leading software provider, partnering with banks and other financial institutions to transform their businesses and stay ahead of a changing marketplace. Over 2,000 firms across the globe, including 38 of the top 50 banks, rely on Temenos to process the daily transactions of more than 500 million banking customers. Temenos customers are proven to be more profitable than their peers: in the period , they enjoyed on average a 31% higher return on assets, a 36% higher return on equity and an 8.6 percentage point lower cost/income ratio than banks running legacy applications Temenos Headquarters SA - all rights reserved. Warning: This document is protected by copyright law and international treaties. Unauthorised reproduction of this document, or any portion of it, may result in severe and criminal penalties, and will be prosecuted to the maximum extent possible under law.

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