The primary business challengesfor any financial institution are tomeet customer expectationswhile increasing revenues,managing costs and satisfyingthe regulators.

Customer acquisition andretention are now key issues ashighly attractive product offeringsfrom new entrants enticecustomers and challengetraditional loyalties.

What is Universal Banking?Universal Banking can be described asthe wide range of banking and financialservices offered by financial organisationsunder a “single roof” through a variety ofdelivery channels. It is the strategy beingadopted by a significant number offinancial institutions, and necessitates asignificant re-focusing of supportingtechnology.

With banking systems’ experiencespanning four decades, Misys is well-placed to leverage extensive bankingknowledge and expertise and offer ourcustomers our new component-basedcore banking solution.

Misys BankFusion Universal Banking fullycompliments the effective deployment andoperation of the Universal Bankingbusiness model.

It is a scalable, multi-dimensional andcomponentised solution that enablesambitious financial organisations to deliverthe same range of products and servicesas larger financial institutions at justifiablecost levels.

Misys BankFusion Universal Bankingmakes it possible for institutions to meetthe demands of high volume processingwhile continuing to meet the growingsophistication of client and marketdemands.

experiencesolutions

results

Meeting today’s business challenges andproviding for the future

Misys BankFusion Universal Banking

Fact sheet

Key Benefits of Misys BankFusionUniversal Banking:

Improves operational efficiency:+ Provides a single integrated platform forall banking activities;

+ Gives the bank a choice of componentsto deploy;

+ Automates manual activities;+ Reduces error rates.

Better revenue and cost management:+ Flexible fee charging structures;+ Eliminates errors via automation;+ Reduces operating costs.

Reduces risk:+ Flexible, central limits system;+ Supports multi-level authorisation;+ Comprehensive reports and enquiries.

Improves customer service:+ Provides a total 360° view of thecustomer;

+ Delivers immediate feedback throughprocess analytics and MIS;

+ Reduces time to market for new products.

Is robust and secure:+ Proven technology, UNIX and Windows;+ Proven track record;+ Multi-layered security model.

Misys BankFusion Universal BankingMisys BankFusion Universal Banking is afuture-proofed Universal Banking solutionoffering flexibility, choice and cost-effectiveness.

+ Flexibility in terms of deployment andmigration; flexibility to add newproducts and processes; flexible tointegrate seamlessly with other systemsand services.

+ Choice in terms of hardware (servertype and architectural model -distributed - centralised); choice interms of software (operating systems,relational databases and applicationservers); choice in terms of services,be they implementation services orongoing support.

+ Cost-effectiveness from achievement ofclass-leading Return on Investmentthrough reduced hardware, software,deployment, and operational costs.

Holistic client managementMisys BankFusion Universal Bankingdelivers a true, 360 degree holistic view ofclient relationships that can be accessedvia any channel using any combination ofclient information.

At the heart of this holistic solution is amulti-dimensional ‘Party’ Data Model thatcaptures and holds comprehensivedefinable data on all the Bank’s clients.

Bridging the technology gapMisys BankFusion Universal Bankingsolution architecture and componentsenable Business Managers to engagewith their IT colleagues using business,rather than technical terms and also givesbusiness staff a much more transparentunderstanding of how their requirementsare implemented across the solution.

This ultimately enables quicker time tomarket in a more cost-effective mannerand helps to bridge the technology gapbetween Business and IT, therebyensuring better understanding ofrequirements and quality of deliverables.

New products and servicesNew products and services can berapidly assembled and deployed, andexisting products can be repackaged andre-featured, all by trained business users,with minimal need for IT intervention orimpact to the customer and the system.

Because products are developed andassembled from repositories of features,the solution allows for the re-use ofcomponents and attributes, enablinggreater innovation and product lifecyclemanagement efficiencies.

Financial Institutions today face manychallenges:

+ Maximise business value from existingclients

+ Acquiring new clients

+ Maximising speed to market for newproducts

+ Maximising shareholder value

+ Meeting governance and compliancerequirements

+ Continuously evolving processes to meetchanging market & customer demands.

Misys BankFusion Universal Banking hasbeen designed and built with the very latesttechnology and methodologies,unencumbered by the legacy of pasttechnologies and thinking.

This approach enables banks to meet thesebusiness challenges today as well asproviding a platform for the future.

BankFusion Universal Banking

This deal will help us bothstreamline operations andachieve a faster time to marketfor new products

Frank Wang,Deputy Chief Executive,

Wing Hang Bank

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Business process transformationThe Misys BankFusion platform provides agraphical environment for the design,deployment and execution of technologysolutions to support the transformation ofoperational business processes almostinstantaneously. Banks can now quicklyrespond to and take advantage ofchanging market conditions.

24 x 7 operationMisys BankFusion Universal Bankingprovides a real-time 24x7 online bankingoperations environment. Because there isno constraint of an exclusive batchprocessing window, online business cancontinue to function in parallel, therebyproviding enhanced customer service andimproved risk management.

Customer managementMisys BankFusion Universal Bankingdelivers flexible structures for customersand product management on a continuousbasis via multiple channels. The ability tomanage customer relationships in a 24 x 7environment at both macro and microlevels can significantly enhance thecustomer service experience and increasecustomer loyalty leading to increased salesand a positive impact on the bottom line.

Standing orders, sweeps and clearingStanding orders, sweeps and directdebits support both funds transfer and billpayment. Gateways, both batch andinteractive, support many business areas,including salary payments and clearing.

ReconciliationDesigned to reduce reconciliation risk andboost productivity, Misys BankFusionUniversal Banking automates datareconciliation from both internal andexternal sources. All activities arecovered, including importing SWIFTmessages, automated matching, rules-based reconciliation, exception reporting,aged analysis, correction andauthorisation.

SWIFTMisys BankFusion Universal Bankingdelivers full SWIFT message processing.Outgoing payments, entered via themessage preparation screens, arevalidated before transmission. SWIFT ismade easier to use through the expansionand simplification of SWIFT fields and thehandling of charges and fees at messageentry.

Multi-channel strategyBranchThe online, real-time branch automationdesign is focused on productivity. Byoffering fast, effective and wide-rangingservices, including flexible loan originationand negotiation tools, relationshipmanagement and client advisors help retainexisting customers and acquire new ones.

Internet bankingThe Internet Banking component enablescustomers to manage their financialaffairs more effectively.

ATM / Point of SaleATM / Point of Sale integration providesthe interface between many ATM systemsand the Misys BankFusion UniversalBanking database. Supporting both online

BankFusion Universal Banking functionalcomponents

+ Current Accounts

+ Savings Accounts

+ Deposits

+ Mortgages

+ Consumer Lending

+ General Ledger

+ Payments (SWIFT)

+ Limits

+ Financial Returns

+ Multi-currency

+ Treasury Money Market

+ Treasury FX

and offline operations, it provides a widerange of services, from fast cash andcash deposit to cheque book andstatement requests.

Telephone bankingMisys BankFusion Universal Bankingintegration with IVR systems allows thebank’s customers to perform many of thedaily or periodic banking tasks bytelephone, enabling users to manage theiraccounts at a time and place of theirconvenience.

The skilled professional servicesteam from Misys workedalongside our own in-housespecialists to make theimplementation a success

Natalia Fedorova,Director of Trade Finance& Currency Control, VTB

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To find out how MisysBankFusion Universal Bankingcan help you, please contactyour Misys representative orvisit www.misys.com/banking

'Misys' is a trade mark of Misys Plc, a mark registered in variouscountries worldwide. BankFusion Universal Banking is a trade markof Misys International Banking Systems Limited and/or Misys groupcompanies. All other product and company names may be trademarks of their respective owners.

Copyright © 2010 Misys Services Limited. All rights reserved.

Misys Services Limited is a member of the Misys group ofcompanies.

Registered in England, No. 01941076 Registered Office:One Kingdom Street, Paddington, London W2 6BL.

Benefits of moving to Misys BankFusionUniversal Banking:

1. Lowest possible risk:+ Working back to front minimisesdisruption for clients and customer-facing staff;

+ Automated approach with bespokeon-site service;

+ Deep knowledge of source and targetsystems;

+ Continuity of vendor.

2. More speed, less cost:+ Automated approach;+ In depth knowledge;+ Reduced training requirement;+ Quicker time to value.

3. State of the art technology:+ Integrated workbench for processes,rules and products;

+ No need to integrate third-partycomponents for flexibility;

+ No legacy constraints.

4. Native Java:+ No wrapping, no code conversion, nolegacy;

+ SOA from the core;+ More than SOA-compliant;+ Designed from scratch.

Extracts and interfaces arebeing developed up to 60 timesquicker than in a traditionalenvironment

BankFusion Universal Bankingearly adopter

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Key Differences between Bankmaster /BM+ and Misys BankFusion UniversalBankingThe following are just some of the keyareas that have been improved inBankFusion Universal Banking comparedwith the current Bankmaster solution:

+ Automated migration;

+ Support of branch fulfilment centres;

+ Real time scheduler - 24x7;

+ Customer-centric, flexible Party model;

+ Limits structures enhanced through useof multiple hierarchies;

+ Only one posting engine;

+ Interest calculation, accruals andgranularity improved through to GL;

+ Multi-level security;

+ Flexible reporting through Crystalreports;

+ Financial functionality highly enrichedand very granular;

+ Flexible Lending model, supportingboth secured and unsecured lending;

+ Unlimited field sizes;

+ Integration and interface frameworkincorporated supporting 2-wayinterfaces;

+ Various processes automated andsimplified (e.g. Account closure).

Upgrade methodologyFor our existing Bankmaster customers,Misys is offering a clearly defined,modular upgrade path to BankFusionUniversal Banking. This is designed toprotect the investment you have alreadymade in your banking solution andminimise the costs, time and risk of theupgrade.

Lowest risk implementation:

+ Migration tools;

+ Migration methodology;

+ We own both source and targetsystems;

+ In-depth knowledge of legacy system.

No disruptive change for:

+ Customers;

+ Branch;

+ Bank staff.

Accelerated methodology & continuousinvestment:

+ Fully built and tested system deliveredfor UAT;

+ Establishment of Solution Centre anddevelopment of additional acceleratedtools.

Upgrade project timeframes:

+ Defined man-days based onrequirements;

+ Duration - 4-9 months (based onmodule list and complexity).

A certain future with MisysMisys has been a leading supplier ofbanking solutions for 3 decades, and hasworked with customers in more than 120countries around the world. MisysBankFusion Universal Banking is trulyunique, delivering the market leadingsolution to support and safeguard theirbanking operations both now and in thefuture.