Insight. Expertise. Innovation. End-to-End Loan Lifecycle Management

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1 Insight. Expertise. Innovation. End-to-End Loan Lifecycle Management

2 Dynamic& Financial Services: GLOBAL BEST SELLING LENDING BANKING SYSTEM Nucleus Software FinnOne TM IBS Journal Sales League Table 2015 The financial services landscape is witnessing significant shift across all business parameters - dynamic market conditions, diverse customer demands, ever increasing challenges of regulatory compliance and the corresponding impact on technology and operations. As an added complexity, the life spans of these trends continue to shorten, urging financial institutions to respond with speedy and flexible solutions in order to flourish in the marketplace. Diverse challenges For 28 years now, Nucleus Software s focus on customer centricity has been demonstrated in our passion for perfection and relentless commitment to deliver world class products to our customer. With our deep customer experience, we are sensitive not only to the changing technology needs of our customers but also to their overall business expectations. Our deep engagements ensure that our product portfolio is developed in sync with our customer s key business priorities. Global leadership in Lending Technology Solutions FinnOne, the flagship product of Nucleus Software, is a powerhouse of seamlessly integrated applications, designed to provide risk management, operational and decision-making support to banks and financial services companies. FinnOne has been recognised as the Global No. 1 Best Selling Lending Banking System for the 7 th consecutive year by IBS Publishing, an independent research and publishing house in its annual Sales League Table FinnOne retained global leadership for 7 years successively due to Nucleus Software s customer centric DNA in today s dynamic and highly competitive market scenario.

3 FinnOne Neo for the new lending paradigm Analytics Our robust portfolio of IT products and solutions in the Banking and Financial Services segment has been delivering value consistently over the last 28 years to over 150 customers across 50 countries. Nucleus Software s FinnOne Neo is a unique blend of domain and technology expertise aimed at re-defining the future of lending operations worldwide Customer Acquisition, Loan Management and Delinquency management. With rapid changes in the business drivers, Banks and Financial Institutions need technology solutions capable CAS LMS Collections FAS Mobility of meeting today s diverse challenges. FinnOne Neo is a comprehensive lending product suite designed and developed to meet these challenges by delivering agile and efficient solutions while reducing the cost of operations.

4 Continuously evolving based on Customer Insight As one of the pioneers in the field of software products and solutions for the banking and financial industry, Nucleus Software constantly strives to innovate and develop world class software products that address the mission critical needs of businesses. FinnOne Neo has been developed to deliver consistent business value to the financial institutions for 1. Market Leadership with an Agile Product Suite Accelerated Go To Market - Swift solutions for changing market dynamics Flexibility - Easy configurability of business / credit policy to manage regulations and compliance norms 2. Business Growth through Customer Centricity Customer Self Service - Transparent access across layers Omni channel access via numerous devices such as desktop, tablets and mobiles Customized product offerings based on specialised analytics Single customer view - Faster and simpler query resolution 3. Enhanced Efficiencies and Open Architecture Higher Productivity - Faster, paperless, Bulk & STP Processing Extended Business Operations during routine processing cycle Easy Integration with IT ecosystem Application/web server, DB, OS and browser agnostic for cost optimization 4. Profitable Growth with Better Risk Management Enhanced Credit Quality - Rule based policies, de-duplication for repeat/fraud customer checks and integration with Credit Bureaus interfaces Faster & better Delinquency Controls with Auditability features Lower NPA through analytics based scorecard

5 Comprehensive Product Suite FinnOne Neo is a powerhouse of seamlessly integrated software modules built with the objective of providing operational and decision-making support to the banks and financial services companies. FinnOne Neo provides solutions for the asset side of the business and customer service. However, for organizations providing only select services, these modules can be deployed independently, as per their requirement for performance and cost optimization. FinnOne Neo supports multi-tenant, multi-branch, multi-currency, multi-product and multi-lingual implementations. FinnOne Neo suite includes the following product modules: FinnOne Neo CAS (Customer Acquisition System) FinnOne Neo LMS (Loans Management System) FinnOne Neo Collections (Delinquency Management System) FinnOne Neo FAS (Finance Against Securities) FinnOne Neo Mobility Suite for acquisition, customer self service and delinquency management FinnOne Neo Advanced Analytics End-to-End Loan Lifecycle Management Cloud Ready Scalable Platform Device Agnostic Region based Pre-Configuration Globalized Multi-Currency Multi-Lingual Reliable and Secure Operationally Efficient Inter user-group mail and chat Integrated Accounting Engine Powerful Rule Engine Dynamic Workflow Engine Dynamic Fields

6 Functional Architecture Diagram Based on Service Oriented Architecture, FinnOne Neo supports easy integration with third-party Java, Non-Java components, Applications and Services. Retail Consumer Vehicle Loan SME/Corporate Business Loan Islamic Murabhah Credit Card * Credit Card External Systems Personal Loan Inventory Funding Ijarah Line of Business Consumer Durable Loan Educational Loan Mortgage Loan Gold Loan Working Capital Loan Bill Discounting Istisna Tawarruq Service Ijarah General Ledger Core Banking System Core Business Applications Loan Against Property Construction Equipment Commercial Vehicle Loan & Fleet Finance CAS Origination & Credit Appraisal LMS Loan Servicing Collections Delinquency & Recovery Management Finance Against Securities Treasury Regulatory Reporting Data Warehouse Mobility mcas mserve mcollect Credit Bureau Add-on Applications Customer Self Service Business Analytics Securitization Commission Payout Card Servicing * Origination & Delinquency Management

7 Customer Acquisition System FinnOne Neo CAS automates various activities performed in processing of a loan or credit card application. It allows financing organization to integrate the various touch-points in their supply chain for acquisition and pre-disbursal processing. FinnOne Neo CAS supports entire acquisition lifecycle of an application from the first contact ( Lead ), to application form acceptance, application data capture; it s processing through various workflow stages, queue management, deviation management, user management and access controls and right up to the rejection/approval decision by the underwriter for the disbursement. Additionally, it allows online credit evaluation and if desired, automatic credit evaluation of the application and processing till disbursement initiation. The user can define the various parameters as per the credit and risk policies of the financial services company, thereby reducing the time and manpower involved in the scrutiny of applications. Further, this helps in improving the quality of the credit portfolio. CAS Functionalities Self Sourcing KYC Fraud and duplicate Credit Bureau Interface Scoring Rule Engine customer check Doc management Policy Engine Workflow Underwriting Sales Cycle Management

8 Loan Management System FinnOne Neo LMS facilitates various business processes/activities to be performed during the loan life cycle. It allows financing organization to integrate the various touch-points for servicing the loan once it is disbursed. FinnOne Neo LMS supports various functions in the life cycle of the loan customer service request like early closure of the loan, partial prepayment of the loan, change of address; periodic activity on the loan such as due generation, income accruals, fee or expense amortization, payment processing, late payment fee charging, non -performing asset (NPA) identification and classification, rescheduling the loan, down-sizing the loan, fix-float conversion and loan maturity. It allows data exchange/reporting with other system in the eco-system of the bank namely but not limited to core banking system, corporate General Ledger accounting system, collections delinquency management system, data warehousing or external agencies such as Credit Agencies/Bureaus and Central bank/regulatory authorities. LMS Functionalities Repayment Management Closure/early closure Part pre-payment Interest Rate change Late payment handling Income Recognition NPA & Provisioning Integrated Accounting Flexible Repayment Option MIS

9 Collections FinnOne Neo Collections focuses on the tracking and management of delinquent customers and helps organizations to minimize delinquencies through a series of proactive actions and tighter supervision. The system manages the entire collections lifecycle from soft calling of delinquent customers to tackling hard bucket collections, including follow up on legal cases till final closure. Finance Against Securities FAS is a comprehensive solution that establishes credit lines to Individuals and Corporate against the pledging of financial securities like shares, mutual funds, bonds, etc. The objective of FAS is to value the collateral security provided by the customer and determine the credit limits based on the market rate of the securities and a number of risk and exposure parameters. Collections Functionalities FAS Functionalities Classification Allocation Follow-up Escalations Portfolio management Customer management Account management Referral Legal case tracking Re-possession Settlement Credit limit simulation Periodic portfolio evaluation Mobility Suite To address the increasing dependence of financial institutions to service their customer on mobile devices, Nucleus Software has an integrated comprehensive Mobility product suite to help our valued customers meet the dynamic business needs ensuring superior customer experience. Nucleus Software's mcas, mserve and mcollect each offer unique business benefits to banks and financial institutions both operational efficiency and customer delight. Advanced Analytics Integrated with our core lending platform, Advanced Analytics helps with the identification of prospective customers for cross sell opportunity, loan prospect scoring, customer payment behaviour etc. The application uses multi-dimensional historical information of customers including credit history, current assets and other loans, income level, demography to create behavioural scorecard for predictive portfolio analysis. It also prescribes optimum collection strategies to increase recovery rates. Mobility Suite Functionalities Advanced Analytics Functionalities Application Sourcing Field Investigation Underwriting Customer Self service Case Follow-up Field Collections Sophisticated Credit Scoring Predictive Scoring Mechanism with portfolio analytics Comprehensive and Interactive dashboards

10 Technology Stack FinnOne Neo is designed by adopting the latest technological standard offering SOA architecture. This aids in easier interfacing with other application in the enterprise eco system. It has rich functionality that is accessed through new age user interface which is light, modern and responsive to enhance user s productivity. FinnOne Neo is architected to be hardware, application server, database and browser agnostic. This has been done to offer the financial institutions the ability to leverage on their existing technology platforms and choose the most optimal technological landscape. The current version supports the following Operating System - Windows / UNIX / Linux / Solaris/ AIX Application/Web Server - Weblogic, Jboss, Tomcat Database Oracle, MySQL Web Browser Google Chrome, Mozilla Firefox and Microsoft IE JBOSS/ Weblogic/Websphere application server Logging, Exceptions, Versioning, Messaging, Scheduling Spring IOC, XML, Configurations, REST web services REST HTML5 Spring MVC REST Services Credit Approval Customer Creation Hibernate Entity versioning JPA JSP JQuery HTML AJAX Spring Security Localization Spring REST interfaces Spring Mobile Pricing Workflow Loan Analytics ORM CRM Core banking Integration Glassfish Metro ECM Business Controller View SQL Server Oracle LDAP AAA

11 & Awards Recognitions Model Bank Award by Celent ICICI Bank, India - FinnOne mcollect Vietnam Prosperity Bank, Vietnam - FinnOne Suite HDFC Bank, India - FinnOne Suite ICICI Bank, India - FinnOne Suite Asian Banker Technology Implementation award for lending platform implementation (2014) - ICICI Bank, India - FinnOne mcollect Process Excellence Award for Collection & Debt Management at the BPA trailblazer Awards (2013) - CIMB Malaysia - FinnOne Collections About us Nucleus Software is a leading global IT products and solutions company that delivers consistent value to mission critical business processes of Banking and Financial Services sector. With a robust portfolio of IT products and solutions that has been delivering value consistently over the last 28 years, Nucleus Software leverages technology as an enabler to enhance business value and operational experience for customers. Across Retail Consumer, Corporate and Islamic banking businesses, Nucleus Software has aligned development teams, business experts and testing & QA teams who leverage domain expertise and in-depth market understanding to develop tailored solutions that cater to specific challenges of our customers globally. Our success stories are spread across more than 150 customers in over 50 countries. Nucleus Software has been globally recognized for its corporate governance practices over the years and awarded by World CSR Congress and World Finance amongst others.

12 Global Offices: New Delhi Noida Chennai Mumbai Jaipur Singapore Tokyo Manila Sydney Amsterdam London New Jersey Johannesburg Dubai Nucleus Software Exports Ltd. A-39, Sector-62, Noida, U.P., India P.: F.: E.: W.: Nucleus Software, Nucleus Software logo, FinnOne and FinnOne Neo logo are registered trademarks of Nucleus Software Exports Ltd. All other brand or product names are trademarks or registered marks of their respective owners. Any part of this information from the document may not be copied, modified, reproduced, republished, uploaded, transmitted, posted or distributed in any form without prior written permission from NSEL. Unauthorized use of the content / information appearing here may violate copyright, trademark and other applicable laws, and could result in criminal or civil penalties. Nucleus Software Exports Ltd., All rights reserved.