Software products CFT CROUP OF COMPANIES OVERVIEW OF OPERATIONS BANKING SYSTEMS INTERNET BANKING CARD PRODUCTS PROCESSING SERVICES +7 (495) 780-50-12 +7 (495) 604-12-20 Market@cft.ru www.cft.ru www.group.cft.ru
ABOUT THE COMPANY Center of Financial Technologies is a provider of cutting-edge IT solutions for the financial sector in Russia and the CIS. YEAR OF FOUNDATION: 1991 MARKET POSITIONS: CFT is one of the five largest software developers in Russia COMPANY PROFILE Development of software and services for all banking activities banks to participate in the payment market insurance companies, treasuries, corporations Outsourcing support and development of CFT systems and services data centers for storing software 2
OUR GEOGRAPHY Moscow center for software development, support, implementation, and sales Novosibirsk the main center for software development and support 12 offices in the major economic regions of the Russian Federation Foreign representative offices in Almaty, Dushanbe and Chisinau 3
MARKET POSITIONS For more than 10 years, CFT has been consistently ranked as a leading Russian IT company Ranked second among the top suppliers of banking software Review of IT in Banks and Insurance Companies in 2016, CNews Analytics, 2016 Ranked sixth among the top IT companies in Russia (all industries) Ranking of the Largest ICT Groups and Companies for 2015, Expert RA, 2016 Ranked seventh in the IT Services Ranking Ranking of the Largest ICT Groups and Companies for 2015, Expert RA, 2016 4
FINANCIAL DATA Growth in revenue from CFT Group's sales of products and services over the past five years REVENUE * CFT GROUP, BILLION RUBLES 14.3 12.2 ** 16.0 17.5 19.0 2012 2013 2014 2015 2016 * Certified by KPMG, an audit company ** Excluding VAT 5
CFT's KEY CLIENTS CFT has accumulated comprehensive industry expertise and extensive experience in implementing IT projects for the banking sector, payment industry, and other sectors of the economy. BANKS RETAIL CHAINS CORPORATIONS, HOLDINGS, STATE-OWNED COMPANIES... and others 6
CFT CUSTOMERS AMONG THE TOP 50 BANKS IN TERMS OF ASSETS * 40% of Russia s TOP 50 banks in terms of assets are CFT customers** Ranking position 1. Gazprombank 3 2. VTB24 4 3. Russian Agricultural Bank 5 4. Otkritie 6 5. Credit Bank of Moscow 10 6. B&N Bank 12 7. Rossiya Bank 15 8. Bank Saint Petersburg 18 9. Sovcombank 19 10. BANK URALSIB 22 11. Russian Standard Bank 24 Ranking position 12. Sviaz-Bank 31 13. Vostochny Express Bank 32 14. Vozrozhdenie 36 15. Novikombank 37 16. Nordea Bank 38 17. TransKapitalBank 41 18. DeltaCredit 48 19. MTS Bank 49 20 National Settlement Depository 50 * According to RIA Ranking, as of January 1, 2017 ** Customers of CFT s software business 7
SOFTWARE SOLUTIONS AND SERVICES Instant money transfers without opening an account Integrated service for issuing and acquiring IPS, MIR and Golden Crown cards Loan repayment and topping up cards in any bank in Russia Loyalty programs Gift cards (certificates, gift bank cards) AUTOMATION OF BANKING ACTIVITIES: CFT-Platform 1 CFT-Platform 2 MCA CFT-Bank CFT-Retail Bank and others Remote banking service (Internet banking, mobile banking) Products for accepting payments to service providers Management of self-service networks: payment, product, and cash management technologies for the bank s payment infrastructure 8
CFT BANKING SYSTEMS TECHNOLOGICAL PLATFORMS CFT-PLATFORM 1 AND CFT-PLATFORM 2 MCA CORE BANKING SYSTEM CFT-Bank Information Complex CFT CATALOGS Product Catalog: over 330 ready-to-use financial products Applications Catalog: over 1,900 applications 9
TECHNOLOGICAL PLATFORMS CFT uses its own technological platforms in its software products Platform 1 and Platform 2 MCA. PLATFORM 1 An industrial platform capable of handling high transaction loads, thousands of users, and millions of documents and accounts PLATFORM 2 МСА A next generation technological platform for developing and using CRITICAL banking applications ITS THREE-LEVEL ARCHITECTURE* ALLOWS PLATFORM 2 MCA TO PROVIDE THE BANK WITH: unlimited scalability high performance UNLIMITED IN TERMS OF the number of simultaneous users of a single automated banking system (ABS) the number of processed client contracts transactional load * The three-level architecture allows transaction loads to be divided between application servers and database servers. 10
AUTOMATION OF BANKING ACTIVITIES CFT-BANK INFORMATION COMPLEX CFT-Bank is included in the Unified Register of Russian Software* universal ABS for banks of any business scale leader in terms of the number of installations in TOP 50 Russian banks 150+ copies implemented in banks in Russia and the CIS** Broad functionality All bank s businesses Extraordinary performance Unlimited number of users and transaction load Product-based approach Fast and easy change of products and services in accordance with market demands Multi-channel approach to working with customers Integration with CFT processing services Integration without borders Effective interaction with IT systems, external applications, and processing systems Optimization of IT costs Two models of software use: implementation in the bank or outsourcing Fast implementation It takes 5 9 months to implement the system in a TOP 50 bank * Order No. 646 of the Ministry of Telecom and Mass Communications of the Russian Federation of December 12, 2016 ** Excluding banks that left the market 11
BANKING SYSTEMS CFT-Bank Information Complex Universal ABS for banks of any business scale Classical and outsourcing models for bank software use 150+ 1,800+ INSTALLATIONS IN RUSSIAN BANKS FINANCIAL APPLICATIONS IN THE ELECTRONIC CATALOG 12
AUTOMATION OF BANKING ACTIVITIES CFT-BANK: APPLICATIONS CATALOG CATALOG.CFT.RU ELECTRONIC CATALOG Opened in September 2010 Over 1,900 applications Convenient presentation structure Simple choice Detailed Applications Catalog for the finetuning of financial products for the bank s business processes 13
SOLUTIONS FOR NON-CREDIT FINANCIAL ORGANIZATIONS CFT-INSURANCE COMPANY SYSTEM Automation of insurance business The solution supports accounting based on the new unified chart of accounts makes it possible to prepare accounting, tax, and other regulatory reporting supports insurance company business processes Implemented projects: Transition to a new unified chart of accounts Accounting centralization Business and financial activities Transition to a new unified chart of accounts Insurance activity Intra-business transactions Payroll accounting Regulatory reporting Securities Deposit accounts and foreign exchange operations Financial monitoring Budgetary control Treasury Tax reporting D2 uses CFT software as a cloud service (on an outsourcing basis) 14
INTEGRATED IT-OUTSOURCING Reduction of up to 40% of a bank's IT costs* CFT ensures: contracts with clear SLA high level of security quick launch of new financial products 24/7 support best experience in the Russian market Infrastructure: Data Center-1 (main) Data Center-2 (reserve) Own control and security services Every year, CFT is audited by PWC and demonstrates that its outsourcing processes are highly organized. * Data based on the experience of implemented CFT projects 15
INTERNET AND MOBILE BANKING SERVICES FOR ALL CUSTOMER CATEGORIES faktura.ru bank.faktura.ru On the market since 2000 > 130 partner banks > 1.5 million transactions PER DAY through 10 million customer accounts Our competencies 16
INTERNET AND MOBILE BANKING SERVICES SERVICES FOR CORPORATE CUSTOMERS faktura.ru bank.faktura.ru FOR MEDIUM- AND SMALL-SIZED BUSINESSES Works with any OS and browser Notifications for counterparties via SMS and e-mail Transaction authorization using an SMS code or a smart key AND MUCH MORE FOR LARGE BUSINESS Currency control Budgetary control Cash pooling and cash management Internet banking Mobile application for Android Mobile application for Apple Notification service Version for 1C: Enterprise 17
INTERNET AND MOBILE BANKING SERVICES SERVICES FOR INDIVIDUAL CUSTOMERS faktura.ru bank.faktura.ru FOR ADVANCED USERS FOR MEDIUM- Pay AND by smartphone Transfer SMALL- money using a phone number SIZED Notifications Works with for any counterparties OS Application BUSINESSES via and SMS browser for and Apple e-mail Watch Viewing expenses (PFM) SERVICES FOR EVERY DAY Open deposit accounts online Notification of penalties Automatic payments for loans, payment for services using templates Internet banking Mobile application for Android Mobile application for Apple Notification service AND MUCH MORE 18
CardStandard PROCESSING CENTER www.cardstandard.ru The CardStandard processing center is the largest independent processing center in the Russian Federation. It has been providing banks with a range of high-tech services for more than eight years, including issuing, processing, and acquiring MasterCard and Visa international payment system cards, as well as Mir Payment System cards. On the market since 2008 > 112 partner banks in Russia and former Soviet Union countries > 45 million cards issued 39 thousand devices throughout Russia acquiring infrastructure CardStandard is a certified VISA and MasterCard service provider: it holds the statuses of a VisaNet Processor and a Member Service Provider 19
GOLDEN CROWN PAYMENT SERVICES SYSTEM State-of-the art, convenient, affordable, and reliable services operating as technological and organizational links between financial institutions, enterprises from various sectors, and payment infrastructures Golden Crown Gift Cards www.koronaloyalty.ru Golden Crown Bank Card http://koronacard.ru/ Golden Crown Services for Microfinance Organizations (MFO) http://mfo-korona.com/ Golden Crown Money Transfers www.koronapay.com Golden Crown Transport Card https://t-karta.ru/ Golden Crown Loan Repayment www.koronapay.com 20
GOLDEN CROWN MONEY TRANSFERS Instant money transfers without an address without opening an account koronapay.com On the market since 2003 > 550 partner banks > 49 thousand service outlets in Russia, the CIS, and other countries Advantages: A strong leader in Russia and the CIS; ranked third in the global market Network of service outlets with the best coverage in Russia and the CIS Active advertising and marketing promotion Partner banks Cooperation with the largest trading networks... and others 21
GOLDEN CROWN LOAN REPAYMENT A well-developed infrastructure of terminals for repaying loans, topping up current and deposit accounts and bank cards throughout Russia, created in a very short time frame www.credit-korona.ru On the market since 2011 40 thousand payment terminals throughout Russia More than 9 thousand bank card holder service outlets Infrastructure Wide service network Depositing funds exceeding 15,000 rubles Online funds remittance technology Outsourcing of claims work and the functions of a call center Repayment of loans to banks with revoked licenses Marketing support I 22
LOYALTY PROGRAMS: BONUS, BANKING, AND GIFT CARDS www.koronaloyalty.ru Technologies to increase customer loyalty On the market since 2005 One thousand service partners in 400 cities of Russia and the CIS > 100 million users > 300 loyalty programs with unique functionality Partners и другие 20 23
PRODUCTS FOR MFO Effective IT solutions for the microfinance market On the market since 2013 > CFT has 50 MFO partners > 1.9 million cards issued as part of these projects mfo-korona.com Payment cards for MFOs issued and serviced Money transfers from legal entities to individuals Repayment of MFO loans in the Golden Crown Loan Repayment service infrastructure Money transfers in the MFO retail network Partners... and others 24
TECHNOLOGIES FOR SOCIAL AND TRANSPORT PROJECTS Electronic travel tickets for cashless fare payments www.t-karta.ru On the market since 2006 The project covers 16 regions of Russia and the Republic of Kazakhstan More than 6 million transport and social cards issued Advantages for banks and retailers Customer base expansion Cross-selling opportunities Collection of additional fees Integration with existing self-service systems 25
SYSTEM FOR THE COLLECTION AND ACCRUAL OF REGULAR PAYMENTS www.kvartplata.ru pay.kvartplata.ru billing.fsg.ru Centralized and automated receipt and processing of payments from the public On the market since 1999 83 regions of Russia 30 thousand service providers 70 thousand service payment terminals ALL CHANNELS: Internet banking, terminals, cash departments, mobile banking, ATMs ALL PAYMENTS 26
Banking systems CFT CAN PROVIDE YOU WITH ALL ITS RESOURCES FOR ADDRESSING YOUR BUSINESS CHALLENGES CFT can provide you with all its resources for addressing your business challenges Contact details and information about our products are available at: www.cft.ru, www.group.cft.ru