SAP Loans Management Rapid-Deployment Solution Solution Summary

1. SAP Loans Management Rapid-Deployment Solution Solution Summary October 2012

2. We Are Here to Discuss Your key business needs SAP Loans Management Rapid-Deployment Solution Customer successes

3. What Are Your Issues Today? • Top Executive Issues • Bring new lending products to market quickly • Design tailored products for new market needs • Beat competitors by launching new products quickly • Achieve operational efficiency and excellence • Lower operational cost per loan • Enhance customer loyalty by optimized loan servicing • New IT system are difficult to implement • Costly / high Total Cost of Implementation (TCI) • Especially high services costs • Long project run times & duration difficult to plan • Lack of required skills

4. Streamline bank loan management – quickly and affordably • Run a full loans life-cycle without customization know-how across the various involved systems • Preparation for integration of General Ledger while keeping the feasibility to further streamline the accounting and analytical landscape in the future • Speed-up implementation by reducing testing efforts and providing configuration templates • Get users and configurators quickly up-to-speed. • Increase user-acceptance • In a fixed time and for a fixed price (significantly lower TCI) • Low implementation risk • SAP Loans Management rapid-deployment solution • Gain the functionality you need to better manage different loan products. By implementing an integrated banking software-and-service package to support the entire lifecycle of a loan, you can reduce loan risks and improve your processes for distributing loans, processing payments, managing changes, and closing accounts.

5. What’s included – solution scope (1) • Consumer Loan Life-Cycle with or without Direct Debit • This business process enables you to execute a complete consumer loan life-cycle providing quick insight into the application processes and their interdependencies. The process is well integrated across the involved system components. • Fixed or variable interest mortgage loan lifecycle • This business process enables the execution of a complete life-cycle of a mortgage loan with fixed or variable interests, integrated across the involved system components. Providing quick insight into the application processes and their interdependencies.

6. What’s included – solution scope (2) • Accounting for Loans with General Ledger preparation • The business process covers the integrated end-to-end scenario (Integration of Operational and Analytical Banking [IOA]) from Loan Management and Accounting for Financial Instruments with preparation of General Ledger documents. Non-deterministic financial products like accounts and loans in this scenario are aggregated since they often do not require analytical evaluation on a single financial transaction • Additional Business Operations for Loans • The additional business operations include typical events such as payment plan change (PPC), a renewal of the loan contract, early payoff or an early repayment compensation. These steps occur in the context of a consumer or mortgage loan lifecycle.

7. Becoming the Best in Your BusinessWith SAP as Your Partner Enterprise-Wide Strategic Platform for All Banking Needs SAP Loans Management RDS as one Building Block on top of the Banking Platform • Flexible management of different types of lending – secured or non-secured such as • Mortgage loans* • Personal loans / Consumer Loan* • Corporate loans • Special lending • Flexible definition of lending products supporting additional business operations • Rich condition handling features • Extensive back office support • Large variety of automated processes • Accounting for Loans with General Ledger preparation * Implemented as part of this RDS

8. System landscape Account Origination SAP CRM Open Item Management System SAP FI-CAX Banking Services 8.0 from SAP Loans Management Bank Analyzer Business Intelligence SAP NetWeaver BW Payment Transaction System SAP PE Collateral Management Output Management System StreamServe General Ledger SAP GL SAP NetWeaver Process Integration Please see SAP Marketing, Sales, and Service for Banking rapid-deployment solution for branch agreement origination scope • Required components/software versions for SAP Loans Management for the Banking rapid- deployment solution (marked with yellow color) • The other shown components (not part of RDS) can be used from SAP as well or alternativly these functions can be covered by already existing or 3rd party banking systems not in Scope other

9. System requirements SOFTWARE • Banking services from SAP 8.0, support package 2 • SAP Payment Engine 7.0 • SAP ERP 6.0, EHP5 • SAP PI 7.11 or SAP PI 7.30 • SAP Solution Manager application management solution, release 7.0 (EHP 1 or higher) HARDWARE • Product Availability Matrix OPERATING SYSTEM • Product Availability Matrix DATABASE • Product Availability Matrix

10. Successfully run a full loans life-cycle consistently integrated in as little as 7 weeks * • The implementation service for SAP Loans Management on Banking Services Platform 8.0 offers banks the opportunity to select RDS Consumer Loans and Mortgage Loans depending on their needs at a fixed price. • The customer gets a fully-scalable SAP Transactional Banking system which is consistently integrated across the loan life-cycle with open item management (FI-CAx), collateral management, payment engine and accounting. • The specific “express” implementation methodology dramatically reduces the necessary time for an implementation of the horizontal integrated solution. It is a fast-track implementation approach which minimizes risks, assures quality and executes effectively with best-of-breed predefined marketing, sales, and service processes. A special step-by-step guide describes each activity during the deployment Note: * The RDS project scope does not include going-live, but can be deployed as part of a larger project.

11. Rapid implementation in as little as 7 weeks 1 2 3 • Start • Run • Deploy Expectations • Kick off workshop and project planning • Scoping workshop • Define Project Organization, Roles and Responsibilities • Team Onboarding • Setup of Project Logistics and Infrastructure • System landscape and RDS installation • Implementation of RDS Loans Life Cycle • Key User Knowledge Transfer • Testing • Handover to customer and sign-off • Superior support to ensure smooth functioning • Working scenario of SAP Loans Management for Banking system • Successful rollout and adoption • Mutually-approved scope document • Team defined together with roles and responsibilities Results

12. Bright ProspectsWhat You Can Achieve • Run a full loans life-cycle on day 1 of the system implementation without customization know-how • Speed-up implementation by reducing testing efforts and providing configuration templates • Get users and configurators quickly up-to-speed. • Increase user-acceptance • In a fixed time • For a fixed price (significantly lower TCI) • Low implementation risk

13. Customers using SAP Loans Management for Banking: “ Customer examples: “More important especially this year, with SAP we achieved a leading position in combining high capabilities in risk control with low cost of end-to-end loans servicing and white-labelling” Andreas Schimmele, Commerzbank Customers about SAP’s Rapid Deployment Solutions: “ “ “ “With our quick, low cost implementation of SAP CRM, we now have a 360-degree view of our customers….” Eric Schmitt, Executive Vice President, Fulfillment, Springer SBM, Gmbh “The SAP CRM rapid-deployment solution has given us a strong yet flexible framework for our retail business, and we foresee healthy future growth” ArtemStreichenok, Chief Operating Officer, MT Bank. “Thanks to the rapid deployment of SAP CRM we were able to quicklyimplement affordable and easy to use central CRM software…” Ursula Schindler, Division Head for Private and Corporate

14. Questions

15. Further information…. è è Deposits Management RDS for transaction history analysis with SAP HANA HANA on Service Marketplace :www.service.sap.com/rds-hana-transhis Bank Analyzer RDS for financial reporting with SAP HANA on Service Marketplace :www.service.sap.com/rds-hana-finrep è è è è è Loans Management RDS on Service Marketplace :www.service.sap.com/rds-loans Deposits Management RDS on Service Marketplace :www.service.sap.com/rds-deposits All RDS Packages on Service Market Place :www.service.sap.com/solutionpackages All Banking RDS Packages on Service Market Place :www.service.sap.com/rds-banking Data Migration for Loans Management RDS on Service Marketplace :www.service.sap.com/rds-DM4LM SAP Software è SAP Rapid Deployment Solutions:www.sap.com/rds SAP Predefined Services Pre- Configured Content Enablement Content SAP Rapid Deployment Solutions

16. SAP Rapid-Deployment solutionsThe fastest way to run your business better