DIGITAL TRANSACTION BANKING Change the face of Transaction Banking with a comprehensive integrated front-to-back platform.

DIGITAL TRANSACTION BANKING. DELIVERED. Turn Transaction Banking on its head with a comprehensive, integrated digital platform. Become future-proof, risk-proof, compliant and profitable. Power your bank operations front-to-back. Go live fast with an out-of-the-box model bank.

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Future of Transaction Banking is digital Four key Trends leading to four drivers which call for an immediate response

Trend #1

Digital Transformation & Payments Modernization

Trend #2

Technologies Shaping the Future of Banking

Trend #3

SME Franchise Building

Trend #4

Embedded banking and Open X Collaboration

Driver #1 The Cash Management outlook Is Positive

Driver #2 Digitalisation Is Top of the Agenda

Driver #3 Working Capital Management Is Key

Driver #4

The Future Is Now

Cash Management System Market to Touch USD 40.10 Billion by 2030 at 14.15% CAGR

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Bank In A Box. Out Of The Box. DTB is an integrated platform that prepares transaction banks to provide for every client and every sector’s needs with a configurable and intelligent platform that encompasses every aspect of transaction banking, covering the working capital cycle from accounts services to payments to liquidity management to collections & receivables to virtual accounts to trade finance to supply chain finance. All in one place, from the same integrated solution. With DTB, transaction banks can successfully optimize capital, maximize ROA and fee income, improve product cross-sell & distribution channel effectiveness, support SME franchise and growth sectors (through working capital provisioning and advisory services) and ensure full regulatory compliance for the large to very large corporates and MNCs. To wit, banks ask for an end-to-end digital transformation. DTB is, was and will always be, the right answer.

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Grow Wherever You Go. Consolidate account information and aggregate balance and transaction reporting across countries across entities and across currencies. Businesses can make informed decisions with full visibility over collections and payables. Automate vendor payments and salary payments with straight-through processing where entire bulk files can be shared by the relevant parties. Vital to the stability of a business – automate auditing, sanctions checks and AML checks for all payments and transactions. Process invoices automatically once the business raises them through any ERP system. Any invoice not honoured by the due date is automatically flagged – leading to automated reconciliations. Our virtual accounts aren’t just real – they are better than real. Process your collections instantaneously using virtual account numbers without stressing the real account structure. A retail chain business can now assess performance down to each brand stocked by each store or all the way up to an entire region filled with branch stores. Automate sweeps, cash concentration and interest optimization to ensure the liquid cash of the business is managed effectively across entities and across countries. © 2023 Intellect Design Arena Limited. All rights reserved. 5

Customize and Configure for your Customer

Use your Configurator, Select Your DTB Select your componentry - Redefine your product portfolio Personalize your banking interactions

Define Your User Journey Refine your relevance as new business models evolve Drive process excellence and delight

A Bespoke Future Custom-made experience

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All you need. Anything you want

Customized for the Future Switch on functions at will - exploit your suite of capabilities Self service: Drive actions from intelligent data provisioning and insight

We Build it, You Make it Your Own Define your workspace Visualize your key business variables Prioritize your activity

Every Journey from a Single DTB step Customer journey recorded and updated Brand new tools for every nascent buiness

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Great Expectations. The SME Proposition. Change the game in SME lending and increase the stickiness of your SME clients by offering a full suite of products specifically tailored to increase customer loyalty and acquire new clients in the SME sector. Address unique operational needs and complexities of growing SMEs with non-lending products that include deposits and savings, transactional products, advisory and value-added services.

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Digital SME Onboarding: Key features include:

DIGITAL SME ONBOARDING:

SME PORTFOLIO:

Self onboarding tool facilitates onboarding through the bank portal without the need to visit the branch for registration.

360-degree view into real-time balances of the SME business accounts, deposits, loans, cards and working capital status.

SME SALARY & PAYROLL: Schedule & process salaries globally and seamlessly cater to the needs of different departments.

SME COLLECT: Shorten receivables cycle by collection of payments through a range of SME specific collection solutions.

SME INSTA BANKING:

DIGITAL SME LENDING:

Enable SMEs with on-the-go mobility providing quick one-touch payments, instant loans, one-click portfolio view on mobile devices & tablets.

Transparent lending for SMEs with quicker verification of loan eligibility, instant processing of loan request (zero collateral process) and loan document central.

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Our Impact

34

Countries

62

Implementations

DIGITAL TRANSACTION BANKING

Change the face of Transaction Banking with a comprehensive integrated front-to-back platform.

Transactions processed every year

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Salaries paid every year

corporate transactions executed every year

Reusable API’s with Core Banking & other Solutions

How businesses have benefited Collection of school fees using virtual accounts

PROBLEM – WHO’S BEEN PAID FOR? • Group of 14,000 staff running 67 schools across 18 countries • Every term, many payments; same amount • Struggling to identifying students based on payment status • Quarterly repetitive challenge

SOLUTION – REGISTRATION & VA • Parents self register and use virtual accounts for payment to ensure clear identification

BENEFIT – ELIMINATING OVERHEADS • What was a quarterly repetitive challenge is now automated • The schools LOVE the bank!

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How businesses have benefited Liquidity is vital to the corporate airline business

PROBLEM – COMPLEX ENTERPRISES WITH MANY LEGAL ENTITIES • Airlines are some of the most complex operations on the planet • Many variables that can affect cost and spending • Highly complex payments, driven by rosters, routes and rules

SOLUTION – LIQUIDITY IS VITAL • Must have money at hand; right place, right time, right currency, right bank and right country (incl. ones with sanctions)

BENEFIT – ADDING VALUE TO THE BUSINESS • Realtime insights and bird eye view of highly complex data • Corporate treasurer can choose the perfect fit liquidity structure to optimize liquidity

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How businesses have benefited Gain control and consolidate insurance premiums and claims with a cash concentration account

PROBLEM – HOW TO AVOID COST OF NOTIFYING BROKERS? • Brokers need to know when end-insured pays premium • No centralized operational structure to collect insurance premiums • Delayed cash flow cycles • A time-consuming collection process with no notifications

SOLUTION – AUTONOTIFY & CASH CONCENTRATION • Use virtual accounts to email the broker automatically • Corporate treasurer can view all the cash concentration structures and gain visibility of surplus funds across all accounts

BENEFIT – GROWTH IN REVENUE POOL • Now manage surplus funds with a single click • Corporate Treasurers can GROW THEIR REVENUE POOL

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What do clients have to say about Digital Transaction Banking?

iGTB’s in-depth domain knowledge and expertise made it our partner of choice to create a best-in-class Digital Transaction Banking platform that will strengthen our capability to respond to evolving business needs.

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VCB CashUp is a key, large-scale Information Technology program and is of significant importance to Vietcombank’s business in the coming years. Vietcom bank has spent 2 years studying the pre-feasibility of the project and submitting it to the State Bank for approval until it selected iGTB for ensuring success in implementing the project.

This deal underlines our commitment to digital innovation as a way of adding value for our clients, and will help unlock the huge potential in the Indian transaction banking market.Our motto is “Digital at the Fore, Human at the Core” and this implementation echoes that message – a full digital refresh, with the final aim of making life as easy as possible for our SMEs to large corporate clients.

This partnership with iGTB is a serious statement of intent, and an important component of the broader digital transformation that is underway at the Bank. This solution will also give us a much greater capacity to serve clients internationally – meaning they can consolidate their banking relationships, minimise costs, and suite of highly relevant products, all access a through a single, easy-to-use portal.

DTB benchmarked and rated on top repeatedly FINTECH FINANCE Digital Transaction Banking

EUROMONEY

GLOBAL FINANCE

IBS INTELLIGENCE

FAB wins for the Global Cash Position Mobile App

Most Impactful Project 2022 - ADIB

Abu Dhabi Islamic Bank wins for UAE Abu Dhabi Commercial Bank wins for ME Arab Bank wins for Jordan, Bahrain, Qatar and Lebanon First Abu Dhabi Bank wins for UAE HLBB wins for Malaysia CIBC wins for North America and Canada

#1 Mashreq Bank #5 Emirates NBD

AITE NOVARICA Abu Dhabi Islamic Bank “ADIB’s rollout of iGTB’s new digital platform has streamlined and enhanced customers’ user experiences, providing easy access to the most critical products through multiple channels.” Christine Barry, Research Director at Aité Novarica Group

Best Program Governance 2022 - Bank Muscat Most Impactful Project 2021 – Vietcombank Best Adoption of Tools & Governance 2021 – BBK

IDC

Cash Management, 2021

CELENT Emirates NBD wins for Transaction Banking Transformation “Emirates NBD’s digital transformation of transaction banking stands out for its comprehensive scope, design approach, modern tech architecture, and its swift implementation.” Ms. Alenka Grealish, Senior Analyst, Celent

nk for Payments and

Vietcombank wins Best in Customer Interactions Award for CashUp, 2022 “VCB’s payments and cash management system is a prime example of integrated banking infrastructure with cross-product transaction flows that powers growth and innovation, setting the pace for the wave of digital transformation in Vietnamese banks.” Darshiniy Selvaratnam, Program Director of the IDC FIIA 2021 © 2023 Intellect Design Arena Limited. All rights reserved. 15

Launch fast, deploy in-full and start collecting fees. Become the principal bank for your corporate customers.

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Power your bank operations front-to-back. Become future-proof, risk-proof, complaint and profitable.

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Meeting the bank’s needs

It’s time to... capture corporate fees in weeks, not months Stable, predictable fees with rapid onboarding

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How do I retain existing customers?

• Account Aggregation (Multi Bank Reporting) • Portfolio 360 • Facility View • Merchant Services • Digital Lending , Deposit, Card Services

• Internal, Domestic, Real Time, International, Utility/Statutory Payment/Bulk/Payroll Support

• Physical Sweeps • Notional Pooling

• Smart Payment Enabler for higher STP throughput

• Intrest Enhancement & Optimization

• True FX Integration with Online FX Negotiation

• Inter Company Loans

• Physical Payment with Payment Cler k & Authorizer Dashboard • Payment Tracker with SWIFT G PI Life Cycle View

• Investment Sweeps

How to win more wallet share and increase revenue?

How do I increase revenue and enable customer stickiness?

How do I optimize systems, process and people to get greater efficiency?

HOW DO WE GET A SINGLE VIEW ACROSS CASH & TRADE?

10. DIGITAL OMNICHANNEL ACCESS

• Physical Collections (Cash, Cheque) • Mandate Management & Direct ...Debit Based Collections • Bill Collections & Settlement • Receivables Reconciliation • Collections Tracker

• Static & Dynamic Virtual Account • Virtual Account Set Up & ....Management • Virtual Account Ledger Management • Collections on Behalf Of • Payments on Behalf Of • Virtual Account Reconciliation

GLOBAL TRANSACTION BANKING

• Letter of Credit

• Bank Guarantees • Documentary Collections • Bills

• Shipping Guarantee • Trade Loans

• Vendor Finance • Payable Finance • Dynamic Discounting • Receivable Finance with or w/o Recourse • Dealer Finance • PO Finance • e Invoicing • Risk Mitigation

• SME Onbarding

• SME Portfolio Management

• SME Salary & Payroll Services • SME Collect

• SME Loan Management

Meeting the corporation’s needs

Next-gen Contextual Banking Experience

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How do I see full position at once and have access to the full breadth and depth of what the bank can offer me?

• Abstraction of banking processes into finite set of apps

• Extreme segmentation

• Launch products faster (avoiding regression testing)

• Absolute personalisation

• Sectorisation • Roles & personas • Themes • Targeted campaigns & branding

I want the correct experience for each segment from SME to MNC and diferent industry sectors

I want fine grain tragering of my marketing to cross-sell and up-sell

I want the portal to understand the complexities of corporate banking and finance like I do

My banking, my way, where I want, when I want, How I want and on what I want

GLOBAL TRANSACTION BANKING

• Payments intelligence

• Responsive & adaptive across from factors

• Fully Scalable

• Multi-account

• Single solution across all devices

• Bank-grade security

• Fine-grained entitlements • Multi-currency

• Unified financial access across multiple backends

• Performance

• Actionable business alert

• Intergrated search • Pre-configured workflows

• Highly-engineered algorithms

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10. CBX Interact with – and come to love – your any-time any-device with the true onmichannel capability covering CBX Cash Management, CBX Trade Finance, CBX SCF, Mobility and Host-to-Host with reminders and alerts on all devices

Be safe, be secure, be trusted. Use the latest biometrics, two factor authentication (2FA), and more, compliant with EBA guidelines and other industry standards

Secure Access

Omni Channel

10. CBX Real-time customer & supplier onboarding down to a matter of minutes with precise, well-defined and mapped to bank processes. User roles & rights based on bank and corporate personas, based on multiple criteria including virtual account numbers to allow control of a conglomerate no matter how complex

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Onboarding & Deep Grain Entitlements

Analytics & Persona Based Dashboards

Instant visibility of your business in real time through powerful analytics, on-demand reports and persona led CXO dashboards providing real-time actionable insights and recommendations

Wouldn’t it be great if you could.....

…instantly know exactly what is going on in your business, with insights to help you decide and transact appropriately, for example seeing just how much today’s payables exceeds today’s collections and so, with a few clicks, finance the shortfall against tomorrow’s predicted surplus

20. Account Services Enhance business decision and increase visibility of funds across multiple accounts

Wouldn’t it be great if you could.....

Balance and Information Reporting

k Ac

i-Ban

Mult

n

io

coun

No more manual reconciliation of accounts. Consolidate your view and download account statements across bank accounts with ease

...become the principal bank, you can use easy-link cartidges and fetch balances across your customers’ bank accounts (incliding with other banks’) to provide a consolidated account position

20. ACCOUNT SERVICES t ga e r

ts

gg

A nt

ou

c Ac

View same day or prior day balances across accounts types, geographies and currencies

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30. Payments

End

30. Payments

t

men P ay g End -to- cessin Pro

Drive higher STP by setting up workflows adapting to payment processes

P Or aym igi en na t tio n

Managed File Transfer Bi-directional data transmission (Host-to-Host) with corporate ERP using file translation

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tiple Pay Types men t

r de r bo ts s- en s o m Cr Pay

Initiate payments such as salaries, pensions and standing orders. Receive payments through any channel, from any customer at any time.

Mul

Centralize cross-border end-to-end payment processing

High value, mass payments, UAEFTS, QATCH, SARIE, SEPA, SWIFT FIN and MX ISO, Fedwire, CHAPS, CHIPS, Target 2

Wouldn’t it be great if you could.....

...receive a file mixing AED & USD wage payments and automatically send them to UAEFTS or SWIFT for Cross border or other systems as required increasing STP

40. Liquidity Physical Sweeps

Algorithmic liquidity at the heart of corporate cash flow

Notional Pooling

Optimize liquidity reduce interest burden

Intercompany Loans

3 pillars for corporate treasurersconsolidate, optimize and maximise

40. Liquidity

Interest Enhancement Protect revenue enhance income from fees

Wouldn’t it be great if you could.....

...win more RFPs (and help your existing customer’s) by having the perfect liquidity structure. For example, with a single cash concentration account consolidate all the funds for better utilization

Automated Investment Optimize liquidity automate investments

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50. Collections & Receivables

From PO creation to collections to invoice reconciliation

Auto Reconciliation

Cash and Cheque collections

Paper based (cash/cheque) and direct debits

...helpmore ...win your clients RFPs (and collect helptheir your existing customer’s) customers settlement byfaster havingusing the perfectaccounts virtual liquidity structure. for automatic For example, with a single reconciliation andcash optimize concentration the account consolidate collection process in all order the to funds get the for betterinutilization cash better

50. Collection & Receivables Save time and money by improving invoice management

Invoice Management

Direct Debit and Mandate Management

Virtual Accounts

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Wouldn’t be Wouldn’t ititbe great ififyou great you could..... could.....

Process electronic collections using direct debit facility

Optimize collection process and track receivables using virtual accounts

60. Virtual Accounts Static and Dynamic Accounts • Customer & add-on virtual accounts • Support for static & dynamic virtual accounts • One to one, one to many, many to many virtual ...account to actual account mapping • Hierarchical virtual account structure with balance: ..bottom to top operations

Inter Company Cash Management • Inter company cash transfers based on ..balance availability. • Real time sweeps from bottom to top ..virtual account • Interest and funds sharing from top to ..bottom virtual accounts

60. Virtual Accounts

Dynamic Virtual Account Validation • Custom & remote validation • Validation via LOV, look-up data • Range check • Pattern check • Workflows based on validations

Wouldn’t it be great if you could.....

…reduce the number of operating accounts (for corporate & intercompany cash management) using the unlimited supply of virtual accounts by moving funds from firms with excess to firms needing cash without any transaction hitting a real bank account – in the process, avoiding risks of overdraft, avoiding the need for costly physical sweeps and with virtually no manual effort

COBO • Collections on behalf of group company, ..hierarchy, division, counter party • Statement & balance enquiry for virtual ..accounts linked to hierarchy

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70. Trade Finance Letter of Credit Offer end-to-end processing of all letters of credit to your customer and boost their international dealings and mitigate risk

Reimbursements Effective handling of payment claims under LC

70. Trade Finance Trade Loans

Guarantee Assurance to counterparties with a wide range of guarantees and facilitate business continuity to importers in case of delayed documents

Fund trade transactions with flexible and short-term borrowing facility

Bills Secure cross-border trade with effective management of discrepancies and processing of payments under LC’s © 2023 Intellect Design Arena Limited. All rights reserved. 28

Wouldn’t it be great if you could.....

Collection Offer end-to-end management of documents and payments under collections to your customers

…examine documents precisely on screen using split screen. For example, the electronic data of LC can be compared side-by-side with its exact image

80. Supply Chain Finance Single-stop solution for syndication participation and credit insurance

Risk Mitigation

Accelerate payments and provide more flexibility with dynamic discounting to choose how and when to pay suppliers

Dynamic Discounting

80. Supply Chain Finance

E-invoicing Fully integrated 90 SME Fully integrated supplier portal for better process efficiency and reduce operational cost

Buyer Centric Financing

Improve working capital and provide on-time payments to counterparties by offering credit on buyer’s term

Supplier Centric Financing

Raise finance on the basis of the supplier-centric receivables relating to one or several buyers and reduce procurement and receivables management costs with a supplier-centric program offering

Wouldn’t it be great if you could.....

…accept bigger deals syndicating supply chain finance using the risk-driven syndicate partner selector. Win many of your client’s customer’s and supplier’s finance needs using the automated sales and follow-up process so avoid frop off from complexities of registry documents

Factoring Boost your cash flow with invoice factoring and support end-to-end collections

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90. SME Banking Digital SME Lending

SME Collect Shorten receivables cycle by collection of payments through a range of SME specific collection solutions

Transparent lending for SMEs with quicker verification of loan eligibility, instant processing of loan request (zero collateral process) and loan document central

Digital SME Onboarding Self onboarding tool facilitates onboarding through the bank portal without the need to visit the branch for registration

SME Portfolio 360-degree view into real-time balances of the SME business accounts, deposits, loans, cards and working capital status

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90. SME Banking

SME Insta Banking Enable SMEs with on-the-go mobility providing quick one-touch payments, instant loans, one-click portfolio view on mobile devices & tablets

SME Salary & Payroll Schedule & process salaries globally and seamlessly cater to the needs of different departments

Wouldn’t it be great if you could.....

...change the game in SME lending and increase stickiness of your SME clients by offering a full suite of alternate products specifically tailored to increase customer loyalty and acquire new clients in the SME sector Address unique operational needs and complexities of growing SMEs with non-lending products that include deposits and savings, transactional products, advisory and value-added services

Digital Transaction Banking Feature Spread OMNI CHANNEL

10

DESKTOP

API

TABLET

MOBILE

HOST TO HOST

OMNI CHANNEL

10

ALERT AND NOTIFICATION

ACCOUNT SERVICES

20

PAYMENTS

30

LIQUIDITY

Balance and Transaction Reports

Electronic Payments

Product Setup

Multi Bank Accounts

Bulk Payments

Physical Sweeps

Service Request

Salary & Payroll Services

Investment Sweeps

40

COLLECTIONS AND RECEIVABLES

50

VIRTUAL ACCOUNTS

60

TRADE FINANCE

70

SUPPLY CHAIN FINANCE

SME BANKING

80

Product setup

Product setup

Letter of Credit

Pre Shipment Finance

SME Onboarding

LIMITS

Mandate Management

Virtual Account Maintenance

Guarantee

Receivable Discounting

SME Portfolio Management

ON-BOARDING

Direct Debit - On US and Off Us

Multi Currency Virtual Accounts

Payable Financing

SME Salary & Payroll Services

Trade Loans

Factoring

SME Collect SME Loan Management

Collection Bills

Cheque Services

Instrument Services

Intercompany Loans

Cash Collections

Hierarchical Virtual Accounts

Islamic Services

Standing Order

Notional Pooling

Cheque Collections

COBO

Reimbursements

Loan or Advance against Receivables

Balance Order

Transaction Processing

IEF & IOF

Bill Collections

Static and Dynamic Virtual Accounts

Direct & Advance Remittance

Distributor Financing

Sweep Simulation

Invoice Management

VA Ledger and Statement

Islamic Trade Structured Trade

Dynamic Discounting

Fees & Charges

FI Trade Loans

Syndication and Participation

Deposit Services

Queues Management

Credit Facilities

Beneficiary Management

Cross Bank and Cross Entity Execution

Receivable Reconciliation

E-Statements and VAT Advice

Advice and Printing Layout Design

Memo Pool

Payer Management

Network Trade

Digital Counterparty On boarding

Card Services

Cross Currency and Entity Processing

Fees & Charges

Fees & Charges

Syndication and Participation

Straight Through Processing

Delinquency Management

Reconciliation & Delinquency Management

Merchant Services

Fees & Charges

FEES AND CHARGES 90

ANALYTICS & DASHBOARD

REFERENCE DATA

ACCOUNTING

EOD / BOD

FX SERVICES

REPORTING

INTEGRATION ADAPTERS

OPEN BANKING API FRAMEWORK

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