BANCWARE BUDGETING & PLANNING. Integrated Budgeting and Planning Solutions

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1 BANCWARE BUDGETING & PLANNING Integrated Budgeting and Planning Solutions

2 BANCWARE BUDGETING & PLANNING TO GET THE MOST OUT OF YOUR BUDGETING AND PLANNING PROCESS, YOU NEED TO LINK CRITICAL FINANCIAL APPLICA- TIONS ACROSS THE ORGANIZATION, EFFECTIVELY INCORPO- RATING STRATEGIC GOALS AND OPERATIONAL PLANS. An integral part of the BancWare solution suite, BancWare Budgeting & Planning helps financial professionals build and modify budgets in a decentralized fashion, manage and project cost center-level financial statements interactively, and align plans with the organization s strategic goals. Developed in partnership with Business Objects, BancWare Budgeting & Planning is designed specifically for financial institutions, providing insight into net interest margin and full details of non-interest income and expenses. We understand that each institution s needs are unique. With our flexible and scalable planning platform, we can tailor a solution that s right for you. BancWare Budgeting & Planning is integrated with the entire BancWare product suite for data management, risk management, financial planning, profitability and performance measurement. Over 400 banks, financial institutions, mortgage and credit lenders worldwide trust BancWare to effectively deliver highcaliber, actionable intelligence. Consistency is critical to effective financial analysis. BancWare s integrated solutions let you create and share data, assumptions and definitions across your financial processes. While users across the enterprise can interact directly with the information, underlying rules and methodologies are maintained centrally. IMPLEMENT A TRUE BANK MODEL By assimilating all the elements of the balance sheet s runoff and FTP profile, BancWare Budgeting & Planning sets a financially sound foundation for the budget process. BancWare also employs sophisticated modeling techniques for projecting the balance sheet, associated new volumes and net interest margin. By incorporating both current position runoff and new volume assumptions into the development of the forecast, line-of-business managers can more accurately determine the amount of new business and the pricing spreads required to reach their growth and net interest margin targets. Using a true bank model, you can Accurately capture the dynamics of the balance sheet Incorporate the latest market assumptions Manage contribution and performance through FTP Enable strong de novo branch modeling capabilities Infuse accountability throughout the planning process Using BancWare you can Share market assumptions with BancWare ALM Load a balanced and reconciled current position from BancWare Data Integration Transfer price your entire balance sheet with BancWare FTP Share the completed plan with BancWare Profitability

3 GO BEYOND STANDARD BUDGETING PRACTICES BancWare provides you with completely customizable budget layouts and formats. You can construct flexible budget templates utilizing all account level data, key rates and yield curves, non-financial statistics, and sub-general ledger detail for every center, division, or line of business. The system can accommodate any number of complex or unique budgeting methodologies, geared to model every product on your balance sheet. BancWare Budgeting & Planning delivers... Customizable planning methodologies for the balance sheet and income statement Expenditure-level fixed asset planning Employee-level payroll planning True top-down and/or bottom-up planning capabilities User-defined balancing, eliminations and allocation routines Virtually unlimited and flexible versioning functionality throughout the model BancWare Budgeting & Planning takes budget preparation one step further than most other vendors, allowing you to budget with extensive detail by individual employee, pay code, position or anything in between. The Payroll Planner module can accommodate everything that impacts your payroll budget easily and effectively. Payroll Planner allows you to define any number of payroll statistics and tables, including items such as min/max and mid-point pay tables, benefits and payroll taxes. You are not limited to standard or typical variables the system is 100% user-definable to accommodate the unique needs of your organization. COLLABORATE ACROSS THE ORGANIZATION BancWare Budgeting & Planning is designed to involve the entire organization in the planning process right from the start. Users companywide can collaborate in budget and forecast development and analysis. With flexible access methods, it s easy to incorporate a large, multi-level decision-making team in the planning process via the Web, your corporate LAN, or . BancWare Budgeting & Planning is designed to integrate all the sources of planning data (general ledger, payroll, fixed asset, loan, deposit, and other critical applications) and wrap them in a layer of security and process control. BancWare utilizes workflow tools identifying process owners, assigning security rights, and issuing automated alerts to help executives and managers track, direct, and complete the budgeting process accurately and on time. ANALYZE THE RISKS TO PLAN Banking organizations are complex. To manage effectively, you need the ability to model and predict the variables that drive your business every day. Using what-if simulations, BancWare Budgeting & Planning lets you accurately measure the risk inherent in the plan, and assess the impact of planning assumptions. For instance, you can analyze the effects of a change in interest rates, a decrease in consumer loan production, the opening of two new branches or an across the board increase in wages. EMPOWER DECISION MAKERS BancWare delivers the power and flexibility you need to make confident business decisions and ensure that the right people receive the most up-to-date, accurate information available. Using BancWare s powerful Web reporting capabilities, your managers and executives can access the data they need in real time, collaborate with colleagues, and run any number of reports at virtually any consolidation level. With easy access to information, your managers and executives can react to trends, and make decisions based on the most current data.

4 BancWare Budgeting & Planning presents information from any scenario or version of actual, budget, or forecast data in a single reporting interface. Through this intuitive Excel interface, BancWare can deliver a broad array of reports to meet your requirements, including internal and external financial statements, regulatory schedules, board packages, variance reports, and organizational profitability reports. STREAMLINED BUDGETING AND PLANNING With BancWare Budgeting & Planning you can Communicate and measure performance goals across your organization Facilitate collaboration between regions, business units and departments Shorten your budget cycle Getting down to the details is essential to effective budgeting. With BancWare, you can delve into the data to answer questions, address concerns, and resolve critical issues. Using our powerful Excel spreadsheet interface and real-time on-line analysis (OLAP) capabilities, you can drill down and around on any hierarchy point for easy, ad-hoc analysis. FLEXIBLE ARCHITECTURE Proactively manage, benchmark execution, and adjust financial strategies Drill into the details for a greater understanding of your financial performance Expedite compliance In short, BancWare provides the scalability, control, collaborative tools and integrated analytics your organization needs for effective budgeting and planning, and better business decisions. BancWare Budgeting & Planning is based on Microsoft's.NET server architecture, employing the latest Web services technologies and open communication protocols like SOAP, HTTP, and DIME. Scalable and bandwidth-efficient, BancWare Budgeting & Planning is designed to provide users with access to live data quickly and easily.

5 INTEGRATED RISK AND PERFORMANCE SOLUTIONS A leader in risk management, BancWare offers scalable technology and proven solutions that help financial firms effectively analyze risk, forecast balance sheet performance, meet regulatory requirements and make critical business decisions. Our asset/liability management, profitability, strategic planning, credit risk, economic capital and Basel II compliance solutions provide a complete picture of your business. A unified view of risk and performance measurements across all activities and markets drives greater understanding of your complete financial picture and allows decisions to be driven by common strategy and assumptions. BancWare can integrate critical financial management systems, giving you the power to share comprehensive analytics, decision support and performance measurement at all levels of your business. With over 20 years of banking technology experience and more than 400 clients in 35 countries, BancWare solutions deliver high-caliber, actionable intelligence to meet the specific needs of financial institutions both large and small. BancWare is a business unit of SunGard, a global leader in integrated software and processing solutions, primarily for financial services. SunGard serves more than 25,000 customers in more than 50 countries, including the world's 50 largest financial services companies.

6 3 Post Office Square Boston, MA Tel: St Mary Axe London EC3A 8AA Tel: +44 (0) bancware.marketing@risk.sungard.com 8 Temasek Boulevard #39-02/03 Suntec Tower Three Singapore Tel: SunGard. SunGard, the SunGard logo, and BancWare are trademarks or registered trademarks of SunGard Data Systems Inc. or its subsidiaries in the U.S. and other countries. All other trade names are trademarks or registered trademarks of their respective holders.