T24 - Product Overview

7/29/2019 T24 - Product Overview

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TEMENOS T24

Product Overview


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T24 is a proven solution 4

T24 - adapting to your prole and sector 6

What T24 means or the bank 8

T24 - a fexible and uture-prooed inrastructure

ATechnologyOverview 12

FunctionalHighlights 14

BusinessCoverage 16

AdditionalproductsfullyintegratedwithT2418

Summary - the reasons why 20

Contents

RetailBanking

Corporate&CorrespondentBanking

UniversalBanking

Private Wealth Management

IslamicBanking

Micronance&CommunityBanking

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Introduction

T24 is a proven solution.

T24 provides a single view o the business across allbusiness lines in both small and large banking operations

AmajorAsianbankisusingT24tosupportbothitscorporateandretail businesses in a seamless operation servicing over 10 millionaccounts. T24 was used to replace several disparate systems acrosstheir retail, corporate, treasury and trade nance operations - in sodoing, hugely strengthening the management o both credit andoperational risk. T24 has here demonstrated its ability to easily

support large banking operations.


T24 enables a reduced inrastructure through a single,integrated architecture

AleadinguniversalbankinSaudiArabiamigratedtoT24andindoing so was able to reduce the 107 systems it had been usingpreviouslytojustseven,basedaroundT24atthecoretosupportall o the banks retail, corporate treasury and Islamic banking needs.


T24 brings reduced global platorm costs

through centralisationAleadingprivatebankwasoriginallyrunningsixcountryoperations rom two international hubs and seven data centres.T24allowedthebanktomigratetoasinglehub,withjusttwodata centres and shared service centres, producing a dramaticreduction in costs and a more fexible environment to supportuture expansion.


T24 provides a reliable inrastructure, so the bank can ocuson serving its customers and growing its business

Aglobalprivatebankingandassetmanagementgroup,headquartered in Switzerland and with a long history as a Temenosclient, used the fexibility inherent in T24 to support organic growthin its own market as well as geographical expansion to a tencountry operation, all supported rom a single, ecient IT hub.T24alsosupportedthebanksgrowththroughM&Aactivity.


T24s advanced Service Oriented Architecture (SOA) toolingenables clients to directly leverage the rich suite o T24business services within modern, exible, scalable andstandard SOA platorms

AsignicantregionaluniversalbankhaschosentouseT24toprovide the core banking business services within its enterprise-wideSOAimplementation.Inthisenvironmentprocessesaremanaged via a combination o business activity monitoring andprocessorchestration,primarilydeployedasBusinessProcessExecutionLanguage(BPEL).

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Deliver Growth

n T24s single, 360 degree view o the customer and totalront to back client centricity enables banks to organise theirbusiness around the customer, helping them to improveacquisition, retention and cross-sell rates. With T24 at the core,banks can signicantly improve customer service and ensure amore positive customer experience.

n T24s inherent fexibility provides the agility banks need to reactto new market opportunities and respond to their customerschanging needs quickly, by oering innovative products andservices with the potential to launch within days. This can givean important rst mover advantage over competitors.

n T24 can support almost every nancial product and instrumentbeing traded on any market in the world. This unctional breadthmeans banks can enter new business areas, or handle rapid

growth in existing areas, condent in the knowledge that T24will provide the ull support required to service the businesseectively and maximise revenues in the longer term.

nT24isinherentlyanddeeplymulti-channel.AllofT24sservices and products can be made available through anychannel, and new services and products are available tocustomersimmediatelyacrossallchannels.Asthemarketevolves, new channels are added to ensure T24 continuesto support the new business.

n T24 supports geographical expansion, combining the true 24x7support necessary or non-stop global operations, with theability to deliver to a local ootprint, taking account o countryor region-specic dierences in banking practice and culture.

n T24s system design imposes no known limit to the volumes thatcan be handled: the system uses the latest multiple applicationarchitecture to provide linear, horizontal scalability.

Manage Risk

n T24 is a eature and process rich system, providing a well-documented, ecient way to handle risk and regulatory reporting.

nT24 is highly automated, incorporating signicant levelsofstraightthroughprocessing(STP)acrossmultipledepartments, oces and countries within comprehensive andclient denable exception handling. This helps banks to reduceerrors, reduce risk and enhance control.

n

T24 provides a transparent view o each customers totaldealings with the bank, including non-nancial transactions.T24s integration across the dierent business areas, gives thebanks sta a complete picture o their customers activities,including credit status, enabling sta to make decisions on amuch sounder basis.

nT24 is a real-time, genuinely 24x7 system which supportsnon-stop banking operations. Decisions are made on the basiso the most up to date inormation at all times.

nThe risk o technology obsolescence is eliminated with T24. Itis open and supports all the signicant technology standards.New releases are delivered annually to ensure that T24remains aligned with changing markets and technologies.

nWithT24ModelBank,projectriskisalsominimised.Deliveredas a pre-congured solution, with pre-set parameters basedon best practice derived rom the relevant banking sector, itsimplementation is aster and much more predictable than isthe case with traditional sotware packages.

ManageCost

nT24s broad unctional coverage means the number o legacyapplications that need to be supported can be reduced, drivingdown operating costs.

nHighlevelsofoperationalefciencyandSTPmeanroutineprocesses are automated, exceptions and problems ecientlymanaged and ewer people are needed to handle largervolumes. With a reduced number o errors rom manualintervention, costs can be urther reduced.

nThe ability o T24 to support widely distributed operationswith shared service centres or hubs, both within a countryand globally, means that operations can be concentrated andplaced in the most ecient location. The ability to consolidateback oce sta and operations in a low cost locationproduces signicant business savings.

nBeforecostscanbemanaged,theyneedtobevisible.Deep,richand accurate management inormation is provided by T24 andthe TEMENOS Data Warehouse. This identies costs incurred

in each revenue centre, providing high levels o visibility andensuring that resources can be allocated more eectively.

TEMENOST24(T24)istheworldsleading,packagedcorebankingsoftware,

proven to help banks to:

Manage Risk Manage Cost

Deliver Growth

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AexiblesystemtomeetmodernITrequirements

To best suit a banks needs and existing IT inrastructure, T24can be implemented in any one o three ways:

Asacompletecorebankingsystem,extendingfromfrontoce to general ledger

Asacomponent-basedsystem,addingfunctionalitycomponent by component to the banks existing inrastructure

Asanancialinstitutionframework,incorporatingT24

modulesintoanin-housesystemdevelopmentproject,toreduce risk and to add proven core application capability

T24s fexible and extensible architecture allows it to be deployedwithin the smallest start-up operation right through to the largestretail banking core processing environment handling the businessprocesses or millions o account holders.

Providing a model or each banking industry sector

T24ModelBankembodiesanapproachthatisuniquetoTemenos. It was developed as a pragmatic response to thecomplexity and risk o core banking implementations and as arepository or the best practice that Temenos has learnt over thecourse o more than 600 implementations around the world.Unlike our customers, who will typically be involved in only oneor two large-scale core banking system implementations, wecomplete anywhere rom 30 to 50 implementations successullyeveryyear.T24ModelBankisconstantlybeingrenedasweencounter new best practice models in the various bankingsectors we serve, as we work with banks o all sizes and prolesin over 120 dierent countries.

T24ModelBankismadeavailablewithpre-congured,bestpractice-based processes to serve the needs o each bankingmarket.TherangeofModelBankcapabilities,allbuiltaround the same sotware code, includes:

T24 or RetailT24 is used to support more than 250 retail operationsranging rom the largest international retail banking groups tocommunity banks and new start-ups. T24 or Retail oers broadretail unctionality, rom the ront through to the back oce,includingCRMandproductlifecyclemanagement.Unparalleledscalability and resilience is combined with total customercentricity. T24 or Retail provides support or current accounts,property nance, consumer nance and cash deposits.

T24 or Corporate

Integrated support on a single platorm is provided to banksoering services to corporate and proessional clients. T24

enables them to introduce new business models quickly andadd value to their customer relationships. Support includescoverage o corporate credit, correspondent banking and cashmanagement, payments, treasury services and trade nance.

T24 or Universal

Supporting banks which deliver a wide range o products andservices across retail and corporate banking, T24 or Universaloers an extraordinary breadth and depth o unctionalityacross all channels, giving the universal bank the ability to oerproducts and services which compete with more specialisedbanks, together with the agility and fexibility required tocompete with large international banks which may be enteringthe market. T24s inherent scalability allows banks with manyoverseasbranchestoenjoythebenetsofacentralisedproduction acility and product actory whilst maintaininglocal ront oce unctionality.

T24 or Private Wealth

Temenos has provided superior banking systems to privatebanks since its inception. It supports banking or afuent andhigh net worth individuals by providing ront to back ocesupport or the widest range o nancial products. These rangefromthesimplestfundandequitybasedinstrumentsandFXthrough to structured products, exotic options and hedge unds.T24 or Private Wealth contains extensive discretionary andadvisory asset management support, including ull perormancemeasurement, plus the ability to maintain and use multi-

dimensionalinvestmentmodels.ThisModelBankcanprovidefullront to back processing or simply a component o this where,or example, an alternative asset management suite is in use.

T24 or Islamic Banking

TheIslamicBankingindustryhasdevelopedhugelyoverthelast20years,particularlyintheMiddleEastandSouthEastAsia.Temenos has responded by creating a best-o-breed Islamicbankingsystem.AsasystemwhichisbothShariah-compliantandcommerciallyexible,T24forIslamicBankingsupportsorganisations which operate solely on Islamic principles as wellas allowing conventional banks to employ Islamic nancialtechniques in their banking and provide a prot-sharing

ramework as an alternative to an interest rate mechanism. So,clientsusingT24forIslamicBankingbenetfromadoptingonecore system to address all aspects o conventional and Islamicbanking, and it is well-suited to most retail and corporatebanking operations.

T24forIslamicBankingincludessupportfor:

Murabaha BeiSalam

Musharaka Istisnaa

BeiBithamanAjil Wakala

Ijara

T24-Adaptstoyourprole,appropriate to your sector

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T24 or Microfnance and Community Banking

ThisModelBankhasbeendevelopedformicronanceinstitutions requiring a mature, fexible and aordable corebanking system that is easy to install. It supports the specicoperational and processing requirements o organisationsengaged in retail, community and micronance banking inemerging markets: micro lending institutions, smaller retailbanks,largecommercialmicronanceinstitutions(MFIs)andglobalnetworksofnancialintermediariesandCreditUnions.To date, Temenos has implemented T24 or Micronance andCommunityBankingformorethan60clients,manywithmultiple sites, in over 50 countries.

AglobalandaregionalsolutionT24 is deployed in over 120 countries. In each country, ineach banking industry sector, in each bank, the underlyingcore system is identical. This means long term security andprotection o investment or Temenos clients.

We recognise, o course, that each bank is unique. T24supports this uniqueness through a layered approach: abovethe core sotware sit layers o model conguration thatembodybestpracticederivedfromeachbankingsector.Abovethis conguration comes a layer containing regional variations,such as regional regulations, taxation, and product interaces.This sotware is maintained by Temenos regional teams. Thenal layer is a client-specic layer, which gives banks access toT24s vast customisation capabilities to tailor the system totheir specic requirements.

Despite this high level o fexibility, T24 remains ullyupgradeable to each new core system release, allowingcustomers to take ull advantage o new eatures.

CASE STUDYAleadingSpanishbankinggroupimplemented a broad range o T24 modules tosupport the retail, commercial, treasury and privatebankingactivitiesofitsMiamiBranchfromaserver in Spain, using T24s US platorm. The bankneeded a banking system that would enable it tocontrol the distribution and fow o data within thebank. With T24, it was able to centralise all o itsdata, eliminating manual intervention and activelyassisting compliance. This has led to a decrease in

operational costs and increased eciency.

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Turning market pressures intobusiness opportunities

Market pressures drive both business and systems strategies, asbanks strive to:

Offernewandexcitingproductstotheirclients,sogeneratinga ast response to market needs

Competeeffectivelywithbiggerandbettercapitalisedcompetitors by running more ecient, more agile operations,which result in a strategic cost advantage

Competeprotablyagainstnewentrantstothebankingindustry,rom internet and non-nancial organisations or example,whose presence has contributed to the commoditisation obanking services and loss o customer loyalty

Expandrapidlyintonewmarketsandgeographies,totakeadvantage o market opportunities ahead o increasinglyaggressive competition

Understandandmanagethecustomerrelationshipmoreeectively and protably

Managecostatastrategicleveltoenableinvestmentinnewopportunities and growth initiatives

Complywitheverincreasingregulationatlowcostwithouthindering innovation, growth and customer service

EstablishcoherentITplatformsthatsupportbusinessgrowthprotably and which are viable as a basis or long term operation

Respondexiblyandefcientlytomergerandacquisitionactivities

Executing successul strategiesusing T24

T24 enables the bank to organise the business

around its most valuable assets - its customers.

T24 - improving customer service and retention

Customerloyaltyisincreasedifcustomersenjoyapositiveexperiencein their dealings with the bank. In these dealings, bank sta musthave immediate access to all o the inormation they need about thecustomer and also be able to take any ollow-up actions seamlessly.

T24,withitsintegralfrontofceARC(Acquire,Retain,Cross-sell),givesbothcustomerandbankstafftheabilitytoseeasingle version o customer records, across all banking channels,on a single core application. The system delivers key customerinormation in real-time, via user-riendly screens with poweruland intuitive drill-down capabilities.

Additionally,T24/ARC,offerstrulyseamlessfronttobackofceoperational integration and execution - so products sold in theront oce are seamlessly serviced in the back oce, resulting

in improved eciency and enhanced customer service.

T24 - bringing innovative products and services to marketquickly and efciently

T24s huge fexibility, the result o a parameter-driven design,gives banks enormous scope in conguring new and complexbanking products, combined with the ability to launch thesewithin days or weeks rather than months. This means sales andaccount managers are able to oer their customers the latestproducts beore competitors do.

T24 - identiying customer value and implementingpersonalised customer propositions

Successul customer acquisition and cross-selling relies on the

intelligent creation o sales opportunities and the capture and analysiso inormation at all stages in the sales cycle. This includes bothtransactional details and non-nancial inormation, such as the historyo past contacts or the customers reaction to a sales campaign. Withthis to hand, it is much easier or bank sta to have a transparent viewo each customer, resulting in a much more personalised basis orsales decisions and marketing campaigns and eective personalisedsales leads to increased revenue per customer.

T24 - providing efcient multi-channel delivery

T24isinherentlyanddeeplyamulti-channelsystem.AllT24services and products can be made available to banking sta orcustomers through their preerred interactive banking channel, inreal-time,24hoursaday,365daysayear.CombinedwithT24sproduct builder capability, brand new services and products canbe made available to customers immediately across all channels.Asthemarketevolves,channelsareaddedtoensureT24continues to support the new business.

What T24 means or the bank

CASE STUDY One o the leading names in privatebanking selected T24 to support a number o itsinternational oces. The system was originallyimplemented in six countries, but that number has nowbeenincreasedtoeleven,withaCentreofExcellenceestablishedinAsia.Soaccustomedisthebanktotheprocess required that it is now able to open a newcountryoperationusingT24injusttwelveweeks.The

bank has made extensiveuseofTemenosApplicationManagementServices(TAM)initsprojects.

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T24 or theBusinessusers

BreakingdownthebarriersbetweenITandthebusiness

Asaresultofitsexibility,consistencyandsimplicityofoperation, T24 breaks down the barriers which have traditionallyexisted between users and the IT department: users can achieve

ar more than they ever could with their legacy systems. T24 istransparent and open allowing users to understand its eatures,capabilitiesanditsmodeofoperating.AndT24stechnicaltooling, including programmable extensions, allows the ITdepartment to respond to changing user demands quickly andeciently without compromising the integrity or upgradeabilityo the sotware.

Consistencythroughout

AllT24components:

Shareacommondesignphilosophy

Re-usecommonfunctions

Haveacommonuserinterface

In terms o user benets, this means increased eciency,reduction o errors and lower training costs.

Clearsightofthefullriskpicture

T24s single view allows bank sta to make decisions based onthe most complete real-time inormation possible. These decisionsmay require a consideration o risk across the entire customerportolio, including consumer accounts and commercial business,each o which is managed by dierent departments within thebank.Alternatively,theycouldbeinvestmentdecisionsnecessitating a complete view o the banks protability.

Driving sales and customer acquisition

Successul customer acquisition and cross-selling relies onthe creation o sales opportunities and the ongoing captureandanalysisofinformationatallstagesinthecycle.T24/ARCprovides support or this cycle by orchestrating the processesthat drive sales and customer acquisition. Unlike account-basedsystems,T24/ARCisabletocaptureinformationonpotentialcustomers too.

Havingstartedaprocessthatcouldleadtoasale,itisimportanttorecordthefulldetailsofcustomerandbankinteractions.Alltoo oten, this takes place in disparate applications that may notbe visible to each delivery channel. Thanks to the ully integratednatureofARCandT24thesenon-nancialtransactionsareeasilyand reliably recorded on T24s single database. In doing so, thisinormation is available to all users including the customer whereappropriate, through any channel.

T24forFinance,Riskand Treasury users

AnumberofT24sfeaturesareparticularlyvaluedbytheFinance,RiskandTreasuryteams:

Consolidated,real-timeinformation

AllinformationinT24isreal-time,consolidated,globaland24x7.The modern bank, particularly the global bank, never closes -neither does T24.

Anintegratedviewofrisk

Bothmarketandcreditriskisconsolidatedandcontrolledinreal-time, 24x7. Extensive and fexible limits are controlled globallyand continuously, with exceptions handled smoothly by T24sexception based workfow. Risk is monitored constantly at alllevels, rom account and deal input right through the entire bank.

The fexibility to respond to regulatory change

quickly and economicallyT24s inherent fexibility allows it to respond to regulations andcompliance demands quickly, eectively and cheaply.

Flexibleaccountingtointernationalstandards

T24offerssimultaneous,multipleGAAP,crossborderwhererequired,andsupportsIFRS,USGAAPandotherimportantnancial standards.

IncorporatingthelatestinBusinessIntelligence(BI)techniques

T24offersintegratedBIincludingcompletedatawarehouse,

budgeting, segmental perormance and integrated constructiono business intelligence cubes.

FullsupportformoderncreditriskincludingBaselII

T24supportsBaselIIstandardisedandfoundationapproachesas well as the calculation o economic capital.

Acompleteaudittrail

Afullyintegratedaudittrailfromtransactiontoinformation is retained indenitely within T24.

Delivering benets to all areas within the bank

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T24 or the Operations team

Delivering increased eciency

Banksdemandefcientprocesseswhichhelpthemtodrivedown costs and support expansion, whilst enabling them tocontinue to deliver exceptional customer service with acceptablelevels o risk. Temenos experience in delivering over 600banking systems to clients around the world, combined with

a commitment to incorporate process modelling within T24,has resulted in a process-rich system which delivers signicantbusiness benets particularly in risk management, compliance,and ront oce support.

IntegratedStraightThroughProcessing(STP)

T24 is a highly automated system, with STP enabled on asystem-wide scale across multiple departments and locations.User intervention in routine tasks is required only when anexception, set by a super user or as a process condition, istriggered. This leads to greater eciency, ewer errors andreduced operational risk.

Crosscompanycrossborderoperation

T24s unique design allows it to seamlessly support sharedservices across multiple installations and multiple time zones.When T24 is implemented as a single hub, all operationalactivities, across every installation anywhere in the world, can betreated as combined pools o work and can be distributed in themostefcientway.SharedServiceCentres(SSCs)canbesetupby time zone in low cost areas, and their work can be driven byglobalisedportals.WorkcanbesharedseamlesslyacrossSSCs.

Benetingfrommarketgoodpractice

T24 is delivered with pre-congured processes appropriate to

each o the principal banking sectors. Where an operation orprocess is routine, then T24 users can be condent they arebeneting rom the best practice in their banking sector.

T24 or the IT specialists

Amodernbankingplatform

T24s broad business unctionality and fexibility is supportedby an advanced, fexible, scalable and Service OrientatedArchitecture,whichisalignedwithmoderntechnologystandardsor server platorms and connectivity:

n

An open systemT24s openness means banks benet rom a greater choice oplatorms and other systems. They benet too rom increasedbargaining power a actor which keeps costs down.

n Standards based

AlignmentwithmodernstandardsincreasesT24slongevityand ensures compatibility now and in the uture. This modernbase makes it easier or banks to recruit IT sta too.

n Flexibility

The act that T24 is a highly fexible system enables theIT department to respond to user demands quickly andeciently through parameterisation and, where appropriate,

throughlocaldevelopmentinJavaorMicrosoftC#.

n Upgradeability

Regular, easy to deploy upgrades to the core system ensurethat T24 remains modern and provides new eatures. The natureo the upgrade process makes this an IT unction that requiresminimumeffortfromusers.Featuresexisttofullyautomatetheregression parallel run reducing the risk and cost o upgrading.

T24s annual upgrade enables customers to benet rom the20%ofrevenuesinvestedbyTemenosinR&Deachyear.

Enables the consolidation o multiple systems

The breadth and depth o T24s unctionality, extending acrossmultiple banking sectors, enables the bank to replace manyo its existing systems and so reduce the number o legacyapplications that need to be supported by IT.

Support or expansion and consolidation

T24 is an agile system which delivers all o the capabilityrequired to support geographical or business expansion, whilepost merger or acquisition, T24 provides an ideal platorm onwhich to consolidate inherited systems.

What T24 means or the bank

Delivering benets to all areas within the bank

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Obsolescence designed out

T24 has been designed to provide technology independence ineach o the main architecture tiers (ront end, middle tier anddatabase).ThismeansTemenoscantakeadvantageofadvancesintechnology in any o those areas without needing to re-engineerthe entire system.

Fromasoftwareperspective,thesamestandardcodeisdelivered to all T24 clients, and as a result o the systemsunique architecture, upgrading to each annual new release isa straightorward process. Even i additional unctionality hasbeen built around T24, this will continue to operate seamlesslywithout requiring modication, when the next release o thestandard system is taken.

These are the benets T24 will deliver once it is up and

running. The question that every bank wants to know theanswer to, however, is how do we get to that stage?

WithT24ModelBank,theansweris,fasterandwithmuch

less risk than in traditional package implementation. T24s

unique design and delivery approach is greatly appreciated

by the implementation team.

T24 or the Implementation team

Reduced implementation risk

T24ModelBankdistilsTemenosvastimplementationexperience worldwide into a proven, sae and well-documentedimplementation approach. This, combined with a rich andcomprehensive implementation ramework the TemenosImplementationMethodology(TIM),makesforacosteffective

andlowriskimplementationandensuresarapid,safeprojectand ast time to value.

Fasttimetovalue

T24ModelBankoffersapre-conguredversionofT24,alongbanking sector or regional lines. Enabling implementation timesas low as three months and typically between six and twelvemonths,ModelBankistheidealsolutionforbanksthatneedtoget up and running quickly and saely with a new core bankingsystem,bethisagreeneldprojectorasystemreplacement.

Reduced need or customisation

SinceT24ModelBankincorporatesbestpractice,packagedtomeetthe need o each banking industry sector, the need to tailor theproduct is reduced dramatically and can ocus on building in eatureswhich will act as competitive dierentiators or the business.

CASE STUDY One o the largest and astestgrowingjoint-stockbanksinVietnam,whichsawgrowth rates o 30% in 2004 and 178% in 2005,upgraded to the latest release o T24 to ensure itwould be able to address uture developments inthe local banking market. The bank was impressedthattheentireprojecttookonlyeightweeks,andwas completed our weeks ahead o schedule.

CASE STUDY One o the largest cooperative banksinLatinAmericaimplementedT24inabigbangovera single weekend. The system supports more than

600,000 transactions per day, running over two millionaccounts, through 250 branches.

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ApacheTomcatOracleASIBMWebSphereASWebLogic

Presentation

Connectivity

Application

Database

Interacing OptionsService Oriented ArchitectureEnterprise Application Integration

User InteraceMicrosoftInternetExplorer6+MozillaFirefox1.5.4+

TCP/IP(SSL)IBMWebSphereMQOracleAQSunOneMQ

Linux,HP-UX,SunSolarisIBMAIXWindowsServer

Oracle

IBMDB2MicrosoftSQLServerjBASE

Providing the most innovative solution in the market today,

T24 is the only system that can encompass both ront and

back oce, supporting business operations in every banking

sector and oering unctional depth and breadth to support

all operations activities in the banking business.

Functionallyrich,totallyintegratedandproveninover

600 implementations, T24 provides a ull ront to back

solution rom electronic delivery channels including internetbanking, mobile devices, right through to settlement,

general ledger, enterprise risk management and other back

oce support unctions; all in a resilient, ecient and cost

eective environment.

T24-ATechnologyOverview

T24 has been designed to meet the needs o moderninternational banking, combining industry-leading tools, opentechnology and the latest standards or connectivity with broadbusiness unctionality and inherent fexibility.

The key oundations o T24 fexibility are its platorm independence,ServiceOrientedArchitecture(SOA),statelessbrowserclientand

XML-basedmessageconnectivity.Eachoftheindustrystandardeatures o the T24 architecture enables the system to be implementedwithin a ully scalable n-tier deployment.

This environment ensures smooth scaling to support Temenoscustomers growing needs whilst ensuring that the ailure o anyone o more hardware components will not stop the seamlessoperation o the T24 system as a whole.

T24ArchitectureOverview

T24s broad business unctionality and fexibility is supported byanadvanced,exibleandscalable,ServiceOrientedArchitecture,which is aligned with modern technology standards or serverplatorms and connectivity.

T24Aexibleanduture-prooed inrastructure

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Support or Open Standards

T24 is platorm independent and can be implemented on allmajortypesofUnix,includingIBMAIX,HP-UX,SunSolarisandLinux,aswellasWindowsServer2003andIBMzSeries.

T24isdatabaseindependentandcanbeimplementedonOracle,MicrosoftSQLServer,IBMDB2,andjBASE,Temenosown database.

This commitment to open standards, and compatibility with

leading industry standard hardware, databases and operatingsystems, keeps the banks options open as to the technicalenvironment and architecture in which T24 operates - atimplementation time and also, scaling or the uture. Specically,this strategy allows the bank to:

Chooseatechnologyandsystemsizeappropriatetoitsproleat that point in time

ImplementT24onaplatformthatbestmatchesitsstrategictechnical preerence and internal skill set

Achieveanexceptionallylowcostofownershipandtakeadvantage o technology changes and market competition

ServiceOrientedArchitecture(SOA)T24incorporatesmoderntechnologyincludingSOA,fullyenabledforstandardsimpleobjectaccessprotocol(SOAP)webservicesandBusinessProcessExecutionLanguage(BPEL)processexecution, and compliant with industry-leading enterprise servicebuses(ESBs).

TemenoshaslongbelievedinthebenetsofSOAandwehavebuiltstrongSOAcompatibilityintoourproductssince2003.Weare not only contributing to these new standards, but we willensure that our products support them as they evolve.

Incorporating great scalability and resilience

The architecture o T24 means it can be implemented within asimple client and single server architecture, or can scale up to ulln-tier architecture, employing multiple servers in each tier.

This fexibility in solution architecture allows Temenos towork with clients to determine the most appropriate technicalsystems conguration or resilience, redundancy, perormanceand budgetary requirements - the decision, however, isultimately made by the bank, based on its specic needs.

T24 scales dynamically and servers can be added during liveoperations without aecting the service provision. This ability toadapt in a live environment has very powerul implications roma resilience perspective: should a T24 server ail, the other serverswill recover and absorb its load online, until such time as the issuehas been addressed and the original server can be reintroduced.

Resilience o this high standard is absolutely crucial in supportingtodays demands or global or 24x7 processing and it is acornerstone o T24s ability to support a truly round the clockenvironment.

Integration and ull interconnectivity with T24

T24 is channel neutral and oers a common architecture orall channels to interact and invoke unctionality within theapplication. The T24 presentation layer is abstracted rom theapplication.Allfront-endchannels,includingthebrowserclient,use a common access mechanism to connect to the applicationlayer by connectivity methods which are based on consistentindustry standards.

ThebasisforthisconnectivityistheuseofXMLmessagingthrough Temenos open connectivity ramework and the OpenFinancialService(OFS)module.OFSisamessagebased,real-time, on-line interace that exposes all T24 unctionality and,provided the appropriate security criteria are in place, exposesalso the entire T24 database to external, message based systems.

This ability to integrate with the banks requirements orinterconnectivityextendstoindustry-leadingSOAenvironments,with every single T24 transaction, enquiry or workfow processable to be exposed as a Web Service. This capability hinges onthe applications inherent business service denition modelwhich renders every transaction deployable by T24 Web Servicestooling.AdherencetokeyWebServicesstandardsandSOAprinciples to provide this deployment mechanism produces highquality, consistent Web Services denitions, which in turn provideapplicationinteroperabilitywithindustrystandardESBsandassociatedapplications,suchasBPELenginesamongstothers.

Temenos scored well or both product lines[T24 and TCB] in both advanced technologyand banking unctionality.

Celent,GreatExpectations:CanSOADeliver?PartI:Core-DrivenSOA(Non-US)

CASE STUDY One o the leading banks in theLebanon decided to implement T24 Model bank,includingSOAcapabilities,alongwithOracleFusionastheBPELengineandEnterpriseServiceBus,plusOracleCRM,DataWarehouseandBI.Thisallowstheconsolidationofallofthebanks activities, including purchasing and asset

management, on to a single platorm.

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T24FunctionalHighlights

Flexibilityandagility

T24 is driven by many thousands o parameters. This providesgreat fexibility in the structure and number o banking productsthat can be supported. This parameter-based congurationtranslates into business agility or the banks - the ability todevelop and launch new products quickly without having to

write new code.

The fexibility o T24 extends ar beyond that normallyassociated with packaged sotware and includes:

n A modifable database

The user can extend any aspect o the T24 database addingnew elds or tables easily and quickly. Once added, theseextensions are treated seamlessly alongside other data, andcan be exploited by T24.

n A parameter-based user interace

The user interace can be modied extensively, including theinterace that is provided to the banks customers via internetbanking. This means each screen and report can be customisedto refect the particular needs o bank users or customers. Plus,the resulting system will more ully refect the banks business,simpliying work, reducing training and reducing errors.

n A parameter-based web service design

ThesameexibilityisextendedtotheSOAwebserviceswhich, uniquely, can be created by users within the bank torefect the services they want to oer to the rest o the bankor to the banks customers.

Businessprocesstransformation

Temenos incorporates best practice process models within itsT24ModelBanksoftware.Aspartofthesystemimplementationproject,themanagementconsultingpracticewithinTemenosProessional Services will examine the banks existing businessprocesses and will redene them to achieve overall businessprocess fow improvements. This redenition includes:

Segregationoffrontandbackofcefunctions

Reductionofcycletimesandhand-offs

IntroductionofServiceLevelAgreements(SLAs)

SettingofKeyPerformanceIndicators(KPIs)

Simplicationoftheworkow

Optimisedutilisationofresourcesforbusinessprocesscontroland execution.

Aplatformwithglobalcapability

Temenos has addressed the diculties o banks operating acrossdierent regions, time zones and markets, enabling T24 to support24x7 global operations in real-time, with multi-entity unctionalitysupporting separate accounting standards or each location:

Differentbranchescanbesetupalongregionalorgeographicallines, with close o day at dierent times

Thecentralsystemcanremainonandrunacloseofbusinesswhilst the rest o the application is still running

Fromacommercialandanaccountingperspective,management inormation and reporting can be organisedalong regional lines and or dierent legal entities

StraightThroughProcessing(STP)operatesonaglobalscale,across multiple departments, oces and countries

HubbingenablesthebanktooperateacrossmultiplecountrieswithjustoneinstallationofT24:frontofceandbackofcecan be sited in dierent locations, leading to cost eciencies

Multi-lingualcapabilityisfullyincorporated

Compliancewithindustrystandards

T24 supports all widely used industry standards includingSWIFT,FIXandISOwhereapplicable.TemenosisafoundingmemberoftheBankingIndustryArchitectureNetwork(BIAN),anindustryinitiativetocreatestandardsforSOAinbanking.

Integrated nance and ledgers

T24hasafullyintegrated,multi-GAAP,multi-timezonereporting structure, using a rule-driven accounting structure.Allproductsareaccountedforinthisway,providingefcient,automated nancial reporting which accommodates rapidlychanging products. No reconciliation is required betweenproducts and ledgers.

T24Aexibleandfuture-proofedinfrastructure

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Layered architecture or local platorm

T24 gives banks the benets o a sotware package, combined with a level o fexibility to refect specic regional or banking sector-specicneeds.T24isdeliveredasacorebankingsystem,overlaidwiththerequisitelocallayerandappropriateModelBank.

CASE STUDYAninnovative,lowcostThaibankimplementedT24,usingMicrosoft.NETarchitectureforintegration;MicrosoftCRMand messaging. The ully integrated core bankingsystemwasimplementedwithina.NETSOAwebservices architecture within 3 months and the bankwentlivewithCRMandoriginationin5months.

LocalRequirements

RegionalPlatorms

ProductsServicesProcessesRequirementsInteraces

Bank StandardPlatorm

TEMENOS T24

Model Bank

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T24BusinessCoverage

Temenos has completed more than 600 successul implementationsin over 120 countries around the world, encompassing banks romevery banking sector. This experience combined with high levels oinvestment in the product o around 20% o revenues annually, makesT24 the most unctionally rich, core banking system available today.

In an overview document o this nature it would be impossible

to describe in detail each area o business addressed by T24. Theollowing summary oers a sense o T24s extensive unctionalcoverage but, given that this is not exhaustive and that the product isbeing enriched all the time as a result o new implementations, pleasecontact your Temenos representative to discuss the ull coverage oyour specic requirements.


Private Wealth Management

n Asset Management

DiscretionarySupport Multi Dimensional

ModellingDynamic Modelling

Recommendation ListsAutomatic Rebalancing

Order Generation

Retail Banking

n CRM

CampaignManagement

ProspectRegistration

CustomerOnBoarding

CommunicationControl

QueryRegistration

Salescross-sellingengine

n Multi-Channel

DirectSupportforBranchandInternet

OpenArchitecturetosupportotherchannels(egMobile)

n Transaction Servicing

Cash

Till Operations

Vault Operations

Bureau de Change

Cheque Processing

Multi-Currency

Payments

Domestic

International

Standing Orders

Direct Debits

Sweeps

Bill Payment

Bank drats

Card Management

Cheque bookmanagement

Credit

Fixed Term Secured Lending

Secured FlexibleCredit Facilities

Unsecured LendingFacility Management

Mortgages

Captive Finance

Past Due Debt Deposits

Current/DDA Accounts

Deposit Accounts, FixedDeposits and CDs

Savings accounts

Other

Product Builder withComponent Re-Use

Simple and Complex Interestand Fee Calculation

Customer Level Charging

Passbooks

Dormancy

Corporate Banking

n Payments

Multi-ChannelInitiation

Queuing

International

Domestic

Bulkpayments(e.g.payroll)

n Credit

TermLoans

ProjectLoans

RevolvingFinance

SecuredandUnsecuredTerms

FlexibleSchedules

SyndicatedLending

n Limit Management

HierarchicalCustomerand Product Limits

CoversallProducts

ProductWeighting

ContingentAccountingSupportor Unutilised Lines

FixedandSwingLimits

CollateralHandlingandValuation

n Cash Management

AutomaticSweeps

NotionalCashPooling

ReversingandNon-Reversing Pooling

CompensationCalculations and Processing

n Front Ofce

CRMSupport

OrderInitiation PositionControl

PositionAccounting

Perormance MeasurementFees and Charges

n Middle Ofce

OrderGrouping

OrderRouting

OrderExecution

TradeCreation

StructuredInstrument

Manuacture

n Back Ofce

Settlement

Reconciliation

ClientReportingFeed

n Asset Class Range

Equities

FixedIncome Rights

Options

ETD

OTC

Alternatives

StructuredProducts

Deposits FiduciaryProcessing

FX

Guarantees

CollateralandMargin

Calculations

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Corporate Banking continued

n Trade Finance

ImportLettersofCredit

Issuance

Amendments

Drawings

Re-Financing

ExportLettersofCredit

Advise

Confrm

Amendments

Drawings

Discounting

Collections

Outward

Inward

Clean

Drawings

Discounting

Guarantees

Multiple types supportedincluding

- Bid Bond

- Perormance Bond

- Shipping Guarantee

- Generic Guarantee

InvoiceFactoring

Treasury Operations

n Forex

n Money Market

n Securities

n Forward RateAgreements

n Interest Rate Swaps

n Repos

n Cash Pooling

n Nostro Reconciliations

n Confrmation Matching

n Futures and Options

n Fixed Income

n Equities

Core Support

n Multi Currency

AllProductsinanyCurrency

Multi-CurrencyGeneral Ledger

MultipleReportingCurrencies

n

Multi Entity MultipleDepartments MultipleTradingor

BankingBooks

MultipleLegalEntities

n Non-Stop Processing

24x7SupportforeachEntity/Company

FollowtheSunsupportforMulti-Time Zone Operation

n Image and Document Management

Imageandsignaturecapture

Documentmanagement

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Additionalproducts,fullyintegrated with T24

TEMENOSARC(ARC)

ARC(Acquire,Retain,Cross-sell)isintegraltoT24. ARCprovidesafrontofcesuiteofferingmulti-

channelbankingfromasingleplatform.ARCfeaturesoperationalandanalyticalCRM,workowprocessingand multi-channel delivery. This unctionality enablesthe bank to improve customer knowledge and,hence,customerretention.ARCalsohelpsthebankto improve customer acquisition and cross-salesactivities, so making marketing activities morecost eective.

ARChasbeenpackagedfortheretail,wholesaleandprivatebankingmarketsandisdeliveredaspartoftheModelBanksor those banking sectors.

LeveragingT24sreal-timesingleviewofthecustomer,ARCprovides:

improvedbusinessefciencythroughfronttobackofcetransaction handling and servicing capabilities

increasedbusinessperformancefromCRMtoolswhichimprove customer acquisition, retention and cross-sale rates.

ARCsfunctionalcoverageincludes:

Functional coverage Description

CustomerRelationshipManagement(CRM)

Asingleviewofthecustomer,thatcanbeeciently managed, presented and updatedacross multiple channels.

Theabilitytotreatthecustomerasarelationship as opposed to an accountnumber.

BothanalyticalandoperationalCRMaresupported.

Sales andPerormanceManagement

Appropriatedataconsolidatedintovalueadded reports that can be used to drive andreward the appropriate sta activity.

CampaignManagement andworkow processing

End-to-end management o sales campaign

processes, both rom customer initiatedcontact, or outbound marketing activity.

Delivery ChannelManagement

The cost eective provision o products and

services across multiple channels in a way

that meets the needs o the business.

TEMENOS Data Warehouse

Banksaccumulatevaluabledatarelatingtocustomers,products, channel usage and their internal organisation withintheir operating systems. They oten nd it dicult, however,to deliver this data to their business users in a way that isreadily comprehensible. The diculty is compounded whenseveral systems are deployed, resulting in problems o datainconsistency or omission. Improving data management isthereore an important IT priority. Once this is achieved, business

intelligencetoolsusingOn-LineAnalyticalProcessing(OLAP)can be used to present multi-dimensional views o the data.The results o this analysis help managers to understand theunderlying dynamics o their business, leading to better inormedstrategic and tactical decision-making.

TEMENOS Data Warehouse enables banks to benet rom therich data residing in T24 and other systems, using online ExtractTransformandLoad(ETL)parametersandstoredproceduresto populate an extendable data model, deployed on a standardrelational data base. User-dened attributes (oten added toprovideadditionalanalyticallters)canbeincludedintheextract.

Data cubes are created to permit the rapid retrieval o data tosupport queries at the aggregate level, but with ull drilldown

tothenestlevelofgranularity.Banksmaybuildtheirowndata cubes to acilitate analysis using commercially availabletools,suchasthosefromCognosandMicrosoft.However,Temenos also oers pre-built data cubes in order to acceleratedeployment and to provide some immediate business benets.

TEMENOST-Risk(T-Risk)

T-Risk can be used as a stand alone risk management solution,but it is also ully integrated with T24. T-Risk handles thecalculation o regulatory and economic capital, enterprise-wide,andsupportsboththeBaselIIregulations,andenablesabanktone-tune the amount o capital required by each o its businessareas to maximise economic and nancial returns. T-Risk allowsbanks to manage credit and market risks too.

Using T-Risk, senior managers are able to:

Examineandcomparehowdifferentpartsoftheorganisationare perorming

Priceproductsmoreaccuratelytorepresentriskfactorsandcapital consumption

Managecapitalallocationstoensurelongtermprotability

T-Riskprovidesapredened,BaselII-drivendatataxonomyandacts as the data concentrator or all the data rom disparatesource systems. T-Risk is also available integrated with Temenosvarious T24 model banks.


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TEMENOSProDB(T-ProDB)

Recent regulatory changes, caused by the introduction oBaselII,IAS/IFRS,andinparticularMiFID,havetriggeredahuge requirement or data on a cross divisional basis, thuspresenting a signicant challenge or data managementwithin the bank.

Temenos solution or data challenges is an EnterpriseData Management system that optimises the quality o datafullyautomatically.BasedonahighlysophisticatedrulesengineT-ProDBconsolidatesandvalidatesdatafromvarioussources and dispatches it to user-dened systems.

Its modern technology and inherent fexibility mean that datacanbeimportedinXMLorCSVles,inanyattributeformats;whiledatabasetablesandSOAfeaturesfacilitateexportingdata.Changesarehandledthroughparameterisationratherthancoding-mostimportantly,T-ProDBdeliverswebserviceaccess out o the box.

The sotware reduces the resource requirements orchecking and error processing and removes the need ormultiple interaces.

19TEMENOS T24


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In this brie overview, we have tried to highlight

some o the ways in which T24 can help your bankto thrive in the ace o industry challenges.

Butdontjusttakeourwordforit-banksarevotingwith their eet. T24 is the system which more banksare buying than any other: Temenos has appeared inthetoptwopositionsintheIBSSalesLeagueTable

each year or the past ten years.These banks have discovered that T24 provides:

n A platorm or business growth

T24s unctional breadth and depth mean it will continue toprovide support to banks as they move into new business areas;while its ability to provide multi-channel banking allows newbusiness opportunities to be seized as the market evolves. T24is a hugely scalable system, with no known limit to the volumesit can handle. T24 is the ideal platorm to support geographicalor business expansion and on which to consolidate systems in apost-merger or acquisition environment.

n A platorm rom which to compete eectively

Through improved customer serviceT24 helps to organise the banks business around thecustomer, rather than in traditional divisional silos, so givinga 360 degree view o customer relationships which acilitatesenhanced customer service and enables more eectivemarketing and sales campaigns, and improving customerretention and acquisition.

and the ability to rapidly introduce new products and servicesT24s inherent fexibility allows the bank to react quicklyto demands or new products and services and launchnew products within days, rather than weeks or months,achieving unparalleled levels o business agility to maintain

a competitive edge in the market.n A truly global platorm, combined with local support

T24 combines the true 24x7 support necessary or non-stop global operations, with the ability to deliver to a localootprint. Temenos consultants operate rom 44 internationaloces so they understand local needs - local clearing house,paymentsandregulatoryrequirements,forexample.Andtheyspeak the local language: our 2,300 employees encompasssome 60 nationalities and speak over 60 dierent languages.They have delivered products to more than 600 clients in 120countries and, unlike some sotware companies, our clientswill continue to have access to consultants who are amiliarwith their requirements ater their implementation has been

completed: we dont fy people in and then fy them out againoncetheinitialprojectisover.

n A seamless operation rom sales to execution and delivery

T24 is the only truly seamless ront to back oce corebanking system, serving all banking sectors. This integratedsystem approach enables banks to oer superior customerservice, increase the speed to market or new products and runecient banking operations.

n An efcient process-driven operation

T24 is a process-rich system which can deliver signicantbusiness benets particularly in risk management, compliance,

and ront oce support.

n A system or the uture

Temenos has never compromised on the use o open standardsin its systems: T24 will work with any o the industry-leadinghardware, database and middleware solutions. We believe theopen architecture approach constitutes a blue print or the waysystems should be managed over the next decade and beyond,by banks o all sizes wanting to secure lower cost o ownership,fexibility and control over their destiny.

Temenos consistently invests around 20% o revenues toResearch and Development signicantly more than itspeers. This investment in new technology, unctionality and

in meeting new regulatory requirements allows us to deliverproducts like T24 that are consistently state o the art.

n A sound investment

Temenos believes in enabling clients, not ensnaring them.T24 is a truly packaged product - the same standard codeis delivered to all clients and the upgrade to each o itsyearly new releases is straightorward to accomplish. This isespecially important or banks that have extensive individualrequirements to extend T24, as their sotware will continue tooperate seamlessly, without the need or modication, whenthe next release o the standard system is taken.

Temenos approach makes or a much better

investment than that oered by some sotwarevendors who oer bespoke versions o theirapplications, heavily customised during

implementation. These very quickly becomeexpensive constraints when viewed againstthe rapid advances in technology and markets.Temenoshasrejectedthisapproach,whichfostersa dependency on the vendor and can lead to bankshaving to replace their core banking system everyew years a strategy which Temenos does notconsider viable in terms o business risk or costo ownership or our customers.

Summary

TEMENOS T24 - the reasons why

TEMENOST2420


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CASE STUDYAleadinginvestmentbankselectedT24 to support its high volume securities operation.ThesystemwasimplementedonLinuxbladeservers. It was able to right-size its technologyinvestment while retaining the ability to scale

quickly. Since implementation, T24 has supportedrecord growth and prots.

21TEMENOS T24


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We give you a choiceWe have always believed in giving our clients a choice: banks canuse the modular nature o T24 to add or remove ront or backoce unctionality during implementation or at a later time, asrequired.AndofcourseT24componentswilloperatewithinamodernSOAarchitecture.

Temenos - a total commitmentto bankingTemenos is the only sotware company to have committed tobanking as its sole domain and we live or die by the success oour banking systems. This success depends on our ability to oerspecialised domain expertise. We have over 2,000 expert staworking with T24 or our clients - the largest team dedicated toa single, integrated banking system.

T24ModelBankderivesfromthissingle-mindedfocus,expertiseand experience. With this solution, our customers benet roma pre-congured product with industry best practice built-in,enabling ast and predictable implementations with immediate,

measurable benets.

AnongoingmomentumThe sotware is only part o the solution, however. We also oera wide range o Proessional Services which will help the bank toobtainmaximumvaluefromoursystems.Fromprojectinitiation,through the implementation itsel, to live and beyond, our expertswillworkwithourclientstoreduceprojectriskandensurethatT24 is delivered on time, within budget and in line with theiroriginalbusinessobjectives.

The achievement o a successul core banking system go-live, withthe resulting enhanced business operation delivered by the new

system,isamajormilestoneforanybank.Thebankingbusinessdoes not stand still, however, and nor should your system. So thisshould not be the end o our involvement with you. Once thesystem is live, we are proactive in maintaining the momentum,through a whole range o support services, to ensure T24 continuesto sustain your business needs and delivers the return on investmentyou expected when you selected it as your core system.

Summary continued

We are constantly planning or the uture requirements

o our clients. When you invest in T24 rom Temenos,the uture o your system is assured by:

Ourpassiontoserveourclients

Ourstrongcommitmenttoresearchand development

Thesolefocusofoureffortsonbanking

Ourcorporateandnancialstability

We invite you to talk to us to see how yourorganisation can benet rom TEMENOS T24.

TEMENOST2422


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About Temenos

Foundedin1993andlistedontheSwissStockExchange(SWX:TEMN),TemenosGroupAGisaglobalproviderofbankingsoftwaresystemsintheRetail,Corporate&Correspondent,Universal,PrivateWealthManagement,IslamicandMicronance&Communitybankingmarkets.

HeadquarteredinGenevawith44ofcesworldwide,Temenosserves over 600 customers in more than 120 countries.

Temenos sotware products provide advanced technology andrich unctionality, incorporating best practice processes thatleverage Temenos experience in over 600 implementationsaround the globe.

Temenos advanced and automated implementationapproach,providedbyitsstrongClientServicesorganisation, ensures ecient and low-risk core bankingplatorm migrations. Temenos annually invests around20%ofrevenuesinR&D,signicantlymorethanits

peers, into a single ully packaged upgradable sotwarerelease, which ensures all Temenos customers benet rommodern technology and support indenitely.

Formoreinformationpleasevisitwww.temenos.com


24/24

Temenos Headquarters SA

18 Place des PhilosophesCH-1205GenevaSwitzerlandTel:+41227081150Fax:+41227081160

www.temenos.com

TEMENOST24(referredtoasT24),TEMENOSCoreBanking(referredtoasTCB),TEMENOSjBASE

(referredtoasjBASE), are registered trademarks o the TEMENOS GROUP.

2007-2008TEMENOSHEADQUARTERSSAallrightsreserved.Warning:Thisdocumentisprotectedbycopyrightlawandinternational

treaties. Unauthorised reproduction o this document, or any portion o it, may result in severe and criminal penalties, and will be

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T24 - Product Overview

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