GLOBAL UNIVERSAL BANKING

A1 A2 A3
A

B B1 RETAIL PORTAL B2
INVESTMENT PORTAL B3
CORPORATE PORTAL

D BUSINESS PROCESS STUDIO (BPM & WORKFLOW)

E FT MESSAGE HUB
F1 F2
F RELATIONSHIP COMMON FRONT END (RCFE) INTEGRATED CUSTOMER SERVICE (ICS - 360)

G1 G2 G3 G4 G5 G6 G7 CASH G8 LIQUIDITY G9 G10

G CORE BANKING LENDING CARDS WEALTH BROKERAGE SECURITIES TRADE FINANCE TREASURY
MANAGEMENT MANAGEMENT

ORDER / TRADE FUND FRONT / MID / BACK

SAVINGS ACCOUNT AUTO LOAN ISSUING 1 FINANCIAL PLANNER 1 PAYMENTS POOLING LETTER OF CREDIT
MANAGEMENT MANUFACTURING OFFICE

INVESTMENT PRODUCT RECEIVABLES / INVOICE

CURRENT ACCOUNT MORTGAGE MERCHANT MANAGEMENT 2 RISK / MARGIN FUND ACCOUNTING 2 SWEEPING OPEN ACCOUNTS FOREX
PROCESSOR MANAGEMENT

TERM / RECURRING CLEARING AND COLLECTIONS / MULTI BANK CASH

COMMERCIAL ACQUIRING 3 MARGIN LENDING SECURITIES LENDING 3 BILLS MONEY MARKETS
DEPOSIT SETTLEMENT LOCKBOX CONCENTRATION

DEPOSITORY INTER COMPANY

DEBIT CARDS LEASING BILLING 4 BANCASSURANCE DISTRIBUTION 4 DIRECT DEBITS GUARANTEES FIXED INCOME SECURITIES
MANAGEMENT LOANS

COLLECTION
SAFE DEPOSIT LOCKERS UNSECURED LENDING 5 PORTFOLIO ANALYTICS EQUITIES CUSTODY 5 REMOTE DEPOSIT CAPTURE INVESTMENT SWEEPS SUPPLY CHAIN FINANCING DERIVATIVES
MANAGEMENT

FACTORING /
REMITTANCE SYNDICATION CUSTOMER SERVICE 6 LIABILITIES MUTUAL FUNDS REGISTRAR AND TRANSFER 6 CHANNEL FINANCE NETTING EQUITIES
FORFAITING

TELLER MANAGEMENT SECURITIZATION LOYALTY MANAGEMENT 7 INSURANCE DERIVATIVES CORPORATE ACTIONS 7 CASH FORECASTING COMMODITIES

COLLECTION SUPERANNUATION
COLLECTION 8 COMMODITIES 8
MANAGEMENT

H1 PAYMENT SERVICES HUB

H2 CREDIT SERVICES HUB (COLLATERAL / LIMITS)

H HUBS H3 WORKING CAPITAL HUB

H4 ENTERPRISE RISK HUB (ALM / MARKET RISK / CREDIT RISK / OPS RISK / PRICING)

H5 CUSTOMER ON-BOARDING HUB

K1 ENTERPRISE RECON K2 GENERAL LEDGER K9 K3 FEES AND CHARGES K4 ANTI-MONEY LAUNDERING

K BACK OFFICE MIS
K5 IMAGING AND DOCUMENTATION K6 IDENTITY MANAGEMENT K7 CUSTOMER COMMUNICATION K8 REGULATORY AND COMPLIANCE

Copyright © 2014 Polaris Financial Technology Limited www.polarisFT.com Version 4.2

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 G1 G2 G3 L1

RETAIL BANKING
A1 A2 A3 A4 A5 A6 A7
A BRANCH ATM POS MOBILE CALL CENTER INTERNET BANKING IVR

B1 B4 B5
B
PORTAL SWITCH CTI – IVR ENGINE

C1 C2 C3 C4
C ARMOR AUTHENTIICATION LDAP ACTIVE DIRECTORY

D BUSINESS PROCESS STUDIO (BPM & WORKFLOW )

E
FT MESSAGE HUB

F1 F2 F3 F4 F5 F6 F7 F8
F LEAD MANAGEMENT CRM SERVICING CUSTOMER 360 BUSINESS INTELLIGENCE DASH BOARDS REPORTING SOBI

G G1 G2 G3
CORE BANKING BUSINESS & RETAIL LENDING CARD

G1.1 G1.1.1 G1.2.1 G3.1 G3.1.1 G3.2.1

G2.1 G2.1.1 G2.2.1
1 SAVINGS ACCOUNT CUSTOMER ON BOARDING UTILITY PAYMENTS COLLATERAL CREDIT CARDS ORGINATION CREDIT SCORING
RETAIL LOANS LIMIT MANAGEMENT
MANAGEMENT
G1.2 G1.1.2 G1.2.2 G3.2 G3.1.2 G3.2.2
FUND TRANSFER & G2.2 G2.1.2 G2.2.2
2 CURRENT ACCOUNT TELLER MORTGAGE LOANS UNDERWRITING CONTACT MANAGEMENT CO BRANDING CARD CUSTOMER SERVICE CUSTOMER BILLING
REMITTANCE
G1.3 G1.1.3 G1.2.3 G3.3 G3.1.3 G3.2.3
G2.3 G2.1.3 G2.2.3
3 RETAIL TERM DEPOSITES CUSTOMER SERVICES Retail Term Deposit COMMODITY FIANCING LOAN SIMULATOR LEGAL / REPOSSESSION TRAVEL CARD AUTHORIZATION FEES AND CHARGES

G1.4 G1.1.4 G1.2.4 G3.4 G3.1.4 G3.2.4

DEBIT CARD G2.4 G2.1.4 G2.2.4
SHORT TERM INVENTORY REPAYMENT SCHEDULE
4 STRUCTURED DEPOSITTS STATEMENT ENGINE COLLECTIONS PREMIUM CARDS MIS & ANALYSIS COLLECTIONS
MANAGEMENT FUNDING GENERATION

G1.5 G1.1.5 G1.2.5 G3.5 G3.1.5 G3.2.5

G2.5 G2.1.5 G2.2.5 CREDIT LINE
5 CALL DEPOSITS CREDIT MANAGEMENT ACCRUAL PROJECT FINANCE LOAN SYNDICATION ACCRUAL SHOPPING CARDS MERCHANT PROCESSING
MANAGEMENT
G1.6 G1.1.6 G1.2.6 G3.6 G3.1.6 G3.2.6
FINANCIAL G2.6 G2.1.6 G2.2.6
6 RECURRING DEPOSITS VAULT MANAGEMENT WORKING CAPITAL CLASSIC CARDS PAYMENT PROCESSING CARD MANAGEMENT
MANAGEMENT REPAYMENT MODULE PLEDGING
LOANS
G1.7 G1.1.7 G1.2.7 G3.7 G3.1.7 G3.2.7
G2.7 G2.1.7 G2.2.7 STATEMENT
7 DISCOUNTED DEPOSITS CASE MANAGEMENT CLEARING HOUSE EQUIPMENT & VEHICLE STATEMENT EXCLUSIVE CARDS FRAUD EARLY WARNING
EARMARKING GENERATION
FINANCE GENERATION
G1.8 G1.1.8 G1.2.8 G3.8 G3.1.8 G3.2.8
G2.8 G2.1.8 G2.2.8
8 OVERDRAFT ACCOUNT PRICING ENGINE TRANSACTIONS LOAN TOP-UP FRANCHISE FINANCIAL POSTING
DEPOSIT LINKED LOANS IMAGING / DOCUMENTS
ROLLOVER

H1 H2 H4
H HUBS PAYMENT SERVICES (HUB) CREDIT SERVICE (COLLATERAL / LIMITS) ENTERPRISE RISK HUB (ALM/CREDIT/OPS)

k1 k2 k3 k4
ENTERPRISE RECONCILLATION GENERAL LEDGER k9 FEES AND CHARGES ANTI MONEY LAUNDRING
K BACK OFFICE k5 k6 MIS k7 k8
IMAGING / DOCUMENTS IDENTITY MANAGEMENT CUSTOMER COMMUNICATION PRIVECY CARDS 2
 GLOBAL INVESTMENT BANKING
DISTRIBUTOR MOBILE CALL CENTER INTERNET

INVESTMENT PORTAL

CBX User Profiling Multi-Level Entitlements Multi-Factor Authentication Personalization FABX

BUSINESS PROCESS STUDIO (BPM & WORKFLOW)

INTEGRATED CUSTOMER SERVICE (ICS ) RELATIONSHIP COMMON FRONT END (RCFE)

Capital Markets Securities Services Asset Management Wealth Management

Commodities Broker Dealer Research & Analysis Prospect Management
Equities Global Issuer Services
Portfolio Modeling & Management
Financial Planning
Fixed Income Registrar & Transfer Agency
Fund Investment Accounting
Foreign Exchange Securities Lending & Borrowing Portfolio Management
Fund Administration
Derivatives Clearing & Settlement Corporate Actions
Measurement & Attribution
Performance Measurement Attribution
Brokerage Custody
Performance & Risk Analytics

Pre Trade Preparation Rate Provision Market Data Analytics

FRONT OFFICE
Deal Capture Position Blotter P& L Performance Pricing

MIDDLE OFFICE Regulatory Compliance Monitoring Netting & Margining Exception handling

Confirmation Management Settlement Netting & Payment Messaging

BACK OFFICE
Reconciliation Revaluation Accounting Reporting

Order Management
Portfolio Analysis & Reporting
H1 FT MESSAGE HUB SWIFT Messaging FIX Protocol FUNDS Connect

H1 PAYMENTS SERVICES HUB Payment Orchestration Exception Handling Payment Consolidation Fraud / Watch-list Monitoring

H2 CREDIT SERVICES HUB Approval Management Collateral Management Exposure Management Limits Management Margin Management

H4 Risk MANAGEMENT HUB Market Risk Credit Risk Operations risk Stress Testing Historical Back Testing Basel II compliance Regulatory Compliance

H5 CUSTOMER
ON-BOARDING HUB On Boarding Know Your Customer (KYC) Watch-list Monitoring Document Management Data Aggregation & Distribution

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 GLOBAL TRANSACTION BANKING
B1 B2 B3 B4 B5
MULTI-FACTOR AUTHENTICATION USER PROFILING MULTI-LEVEL ENTITLEMENTS PERSONALIZATION WORKFLOW MANAGEMENT
CBX CBX
B6 B7 B8 B9
ALERTS & NOTIFICATIONS LIBRARY MANAGEMENT FILE UPLOAD / IMPORT WIDGETS

D BUSINESS PROCESS STUDIO (PROCESS AUTOMATION)

E FT MESSAGE HUB

F INTEGRATED CUSTOMER SERVICE (ICS-360)

G6 G7 G8 G9 G10
SECURITIES CASH MANAGEMENT LIQUIDITY MANAGEMENT TRADE FINANCE TREASURY

FUND MANUFACTURING 1 PAYMENTS POOLING 1 LETTER OF CREDIT FRONT / MID / BACK OFFICE

FUND ACCOUNTING 2 RECEIVABLES / INVOICE MANAGEMENT SWEEPING 2 OPEN ACCOUNT FOREX

SECURITIES LENDING 3 COLLECTIONS / LOCKBOX MULTI-BANK CASH CONCENTRATION 3 BILLS MONEY MARKETS

DEPOSITORY MANAGEMENT 4 DIRECT DEBITS INTER-COMPANY LOANS 4 GUARANTEES FIXED INCOME SECURITIES

CUSTODY 5 REMOTE DEPOSIT CAPTURE INVESTMENT SWEEPS 5 SUPPLY CHAIN FINANCING DERIVATIVES

REGISTRAR AND TRANSFER 6 CHANNEL FINANCE NETTING 6 FACTORING / FORFAITING EQUITIES

CORPORATE ACTIONS 7 CASH FORECASTING 7 COMMODITIES

H1 HOST-TO-HOST CONNECTIVITY / STRAIGHT THROUGH FRAUD / WATCH-LIST

PAYMENTS SERVICES HUB PAYMENT ORCHESTRATION PAYMENTS CONSOLIDATION REAL-TIME STATUS REPORTING
ERP INTEGRATION PROCESSING MONITORING

H2
CREDIT SERVICES HUB LIMITS MANAGEMENT COLLATERAL MANAGEMENT EXPOSURE CONTROL CREDIT MONITORING APPROVAL PROCESSING PROCESS CONTROLS

H3 CORPORATE DOMAIN PAYABLE AND RECEIVABLE

WORKING CAPITAL HUB ONLINE INVOICE AND ACCEPTANCE AUTO FINANCE ARRANGEMENTS MONEY ON TAP SERVICE RECONCILIATION AND RECOVERY
MANAGEMENT FINANCE

H4 CREDIT LIFECYCLE AND EARLY

ENTERPRISE RISK HUB MARKET RISK SERVICES BASEL II COMPLIANCE RISK DATA AGGREGATION RISK REPORTING REGULATORY COMPLIANCE
WARNING FRAMEWORK
H5 DATA AGGREGATION AND
CUSTOMER ON-BOARDING HUB CUSTOMER GOLD COPY 360° VIEW OF CUSTOMER ON-BOARDING & REVIEW KNOW YOUR CUSTOMER (KYC) WATCH-LIST MONITORING
DISTRIBUTION

H6 HOST-TO-HOST CONNECTIVITY /
RECEIVABLE SERVICES HUB PAYMENTS INTEGRATION PAYMENTS AGGREGATION INVOICES DATA RECON REPORTS DELIVERY BUSINESS ACTIVITY MONITORING
ERP INTEGRATION

H7 REAL-TIME BALANCE AND

FUNDS CONTROL HUB RELATIONSHIP LEVEL CREDIT LIMITS CENTRALISED EXPOSURE TRACKING ACCOUNTS BALANCE POOLING RULES BASED DECISIONING E-CREDIT
LIMITS UPDATES

K1 K2 K9 K3 K4
ENTERPRISE RECON GENERAL LEDGER FEES AND CHARGES ANTI-MONEY LAUNDERING
BACK OFFICE MIS
K5 K6 K7 K8
IMAGING AND DOCUMENTATION IDENTITY MANAGEMENT CUSTOMER COMMUNICATIONS REGULATORY AND COMPLIANCE

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 GLOBAL INSURANCE
A1 A2 A3 A4
A LIFE INSURANCE PROPERTY & CASUALTY INSURANCE HEALTH INSURANCE REINSURANCE

B1 B2 B3 B4 B5
B BRANCH AGENCY MOBILE INTERMEDIARY CALL CENTER

C1 C2 C3
C AGENT PORTAL CLIENT PORTAL SERVICING PORTAL

D BUSINESS PROCESS MANAGEMENT (BPM & WORKFLOW)

E INTEGRATED CONTENT MANAGEMENT

G1 G2 G3 G4 G5 G6 G7 G8 G9 G10
PRODUCT AGENT / BROKER CUSTOMER NEW POLICY BILLING & RISK MANAGEMENT
G CLAIMS INVESTMENT REINSURANCE
MANAGEMENT MANAGEMENT MANAGEMENT BUSINESS ADMINISTRATION ACCOUNTING

PRODUCT CONTRACTING CAMPAIGN FIRST NOTICE INVESTMENT

1 NEEDS ANALYSIS ENDORSEMENTS PAYMENTS 1 RISK ASSESSMENT RENEWALS
DEFINITION AND LICENSING MANAGEMENT OF LOSS MANAGEMENT

PRODUCT COMMISSION PROSPECT ILLUSTRATION & RENEWAL INVESTMENT

ADMINISTRATION MANAGEMENT 2 REGISTRATION COLLECTIONS 2 OPERATIONAL RISK RESEARCH BUDGETING
MANAGEMENT QUOTE /CANCELLATIONS
RATING / PRICING AGENCY CUSTOMER NEW BUSINESS SURRENDERS / CREDIT RISK ASSET LIABILITY CONTRACTING /
ADMINISTRATION 3 ASSESSMENT DIRECT BILLING 3
RULES ONBOARDING APPLICATION MATURITY MANAGEMENT MANAGEMENT AGREEMENT
CROSS SELL & LOAN REQUIREMENT COMPLIANCE TREATY /
COMMISSIONS TRAINING UP SELL 4 UNDERWRITING 4 MARKET RISK TREASURY
PROCESSING MANAGEMENT REPORTING FACULTATIVE
PORTFOLIO PAYMENT COMPLAINTS / SLA RESERVE MGNT AGENCY & AGENT/
REINSURANCE AGENT SERVICING MANAGEMENT 5 5 LIQUIDITY RISK CLAIMS RECOVERY
PROCESSING MANAGEMENT /PAYOUT BROKER BILLING
PRODUCT PORTFOLIO INCENTIVE POLICY SALVAGE AND REINSURANCE
MANAGEMENT 6
ISSUANCE RECOVERY STATEMENTS 6 REGULATORY RISK
MODELING MANAGEMENT
LITIGATIONS / REGULATORY
MANAGE FORMS 7 7 REPORTING
OMBUDSMAN REPORTING

H1
DATA AND ANALYTICS HUB
H2
H HUBS INTEGRATED DOCUMENT HUB
H3
CUSTOMER COMMUNICATION HUB

K1 K2 K8 K3 K4
FINANCE HR GENERAL LEDGER AUDIT
K BACK OFFICE K5 K6 K9 FRAUD EARLY ANTI MONEY LAUNDERING K7
IDENTITY MANAGEMENT & SECURITY SERVICE PROVIDER MANAGEMENT WARNING SYSTEM MIS

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 Risk Management and Compliance
Market Risk Credit Risk Operational Risk Compliance

Risk Identification Credit Risk Based Pricing Operations Risk Identification Basel Compliance

Pricing & Valuation Credit Risk Assessment Operations Risk Measurement Dodd-Frank Compliance

Risk & Performance Measurement Credit Risk (PD, LGD) Computation KRIs Monitoring & Control Regulatory Capital Computation

VaR Computation Credit VaR Computation Risk Rating & Scorecard AML & Trade Surveillance

Stress Testing Credit Concentration Monitoring Loss Capture Regulatory Reporting

Back Testing Credit Limit Monitoring Loss Data Analysis

Liquidity Risk Management Collateral Management

ALM Counter-party Credit Risk Management

Positions & Limits Reporting Credit Value Adjustment

Risk Reporting