Modernized Banking Services & Technologies, Vietnam, Apr 20-23 2006

1. Modernized Banking Services & Technologies, Vietnam, Apr 20-23 2006 Solutions for Banking - Financial Services in the futureChannel Renewal – Towards Revenue EnhancementTiong Kee YongIndustry Manager, Financial ServicesMicrosoft

2. Executive Summary • Improve shareholder value • Increase wallet share • Improve mix • Improve margins • Lower delivery cost • Increase Revenue Per Employee by increasing sales productivity and improving operational efficiency via Future Universal Sales Platform. Initial estimated impact • Increase sales per revenue by about x% in Year 1 • Introduce annual FTE savings of $M

3. What Is The Future Product Innovation The Source of Best Ideas Source: Customer Intimacy and other Value Disciplines Harvard Business Review 1993 Asian Banks Customer Intimacy The Trusted Advisor Operational Excellence The Low-Cost Producer

4. What Is The Future “Provides legitimacy to offer advice” “Positions the supplier as a trusted advisor, and minimises defection” SUPERLATIVE CUSTOMER SERVICE INNOVATIVE NEW PRODUCTS INDIVIDUALISED AND HELPFUL DIALOGUE “Excites the customer and builds loyalty”

5. Current SituationIncreasingly competitive market (liberalization, globalization, demand-led) SOE (2,600+ privatized) 57 Banks 30 listed companies 1000+ private companies

6. Microsoft Strategic Focus Areas Channel Renewal Insurance Value Chain Payments Risk Management And Compliance Advisor Platforms Branch Seller Branch Teller ATM Internet IVR Call Center Customer Knowledge Mobile ATM/POS switch Corp2Bank Check Processing SWIFT Connectivity Treasury / Cash Management EBPP Credit Card Processing Mobile payments High and Low Value payments Security Settlem’t Fraud Mgmt Audit and Controls Doc and Records Management Corp Governance Reporting and Analytics Privacy and Security KYC/CIP Risk Management and Comp Certification Documentation Advisor platform / Portal Company and Industry Provided Services Advisory Management POS and Multi channel delivery Underwriting Prod Dev and Configuration Core Policy and Admin Claims Processing Re-insurance

7. Channel Strategies • Branch operations/ administration • Back office like functions • Technology efficiency • Channel mission and role • Number of locations • Mix of contact/sales points • Roles of branch in reaching the customer Operational Efficiency Distribution Effectiveness Channel Profitability Service Efficiency • Role of the channel in serving a customer • Branch service model/layout • Mix of self service, semi assisted and assisted solutions • Customer experience in the branch • CRM tools • Performance accountability • What-if, comparison tools • Integrated channel sales approach Sales Effectiveness

8. Phased Approach • Retail “shopping • Integrated 3rd party services • Relationship pricing • Retail “selling” • All holding company products • Wealth management support • Transaction Emphasis • Primary relationships only • Limited transactions • Traditional platform services • Service emphasis • All bank products • Self service Integrated Innovation Future ROI Integrated Innovation Phase II Integrated Innovation Phase I Base Infrastructure Technology and Solution Adoption Timeline

9. Multi Channel Integration Architecture

10. ATM • Absolute Systems • Diebold • Fujitsu • NCR • NTBS • Phoenix Interactive • Wincor Nixdorf • Metavante • NTBS • Onyx Software • Open Solutions Inc. • Pivotal • Consolsys/Pexim • Siebel • Synapse • Unisys • Accenture • Argo Data Resource Inc. • Fincentric • Fiserv • Getronics Global FS • Harland Financial Solutions • Jack Henry • Marlborough Stirling Customer Knowledge • Internet • Alnova • Argo • Corillian • FNS • Fiserv • Getronics • Harland F.S. • Alnova • Argo Data Resource Inc. • FNF • Fiserv • Getronics Global FS • Harland Financial Solutions • Jack Henry • Marlborough Striling • Metavente • NTBS • Open Solutions Inc. • S1/Mosaic • Siebel • Unisys • Jack Henry • Metavante • NTBS • Open Solutions Inc. • ProSoft • Unisys Branch Teller • APP Pro • Argo Data Resource Inc. • Automated Financial Systems • Baker Systems • Banker Systems • Fair Isaac/London Bridge • FNF • Fiserv • FMC Inc. • Galeforce • Getronics Global FS • Harland Financial Solutions • Impact Technologies • Infosys - Finacle • Jack Henry • Marlborough Striling • Metavente • Mortgage Flex • NTBS • Open Solutions Inc. • S1/Mosaic • Siebel • Workcentives • Unisys • IVR • S1/Mosaic • Unisys • Mobile • Getronics • S1/Mosaic • Unisys Branch Seller • Call • Centre • AIT Group • Alnova • Argo • Aspect • FNF • Fiserv • Galeforce • Getronics • Harland • Jack Henry • Metavante • NTBS • OSI • S1/Mosaic • Synapse • Unisys Channel Renewal Partners Suppliers

11. “I look at the basics: customer satisfaction, employee satisfaction, and shareholder satisfaction. Without a doubt, the new employee portal is ringing up a tick on all boxes.” Rick Loggin, VP, Integrated Channel Management , BMO Financial Group Canadian Bank Increases Employee Productivity by 23 Percent • BMO deployed a new employee portal with Microsoft Office SharePoint Portal Server 2003 and because of its tight integration with existing Microsoft products, ease of deployment and the advantages of a uniform development platform • 25 % higher intranet task speed • Customer service, loyalty improved • Intranet admin cost down – ave time to produce a new site is expected to decrease from 10 days to 1.5 days • Immediate investment impact • As the volume of data on its intranet grew, employees found it increasingly difficult to quickly find the information they needed. To address the reduction in productivity, BMO’s leaders knew they needed a new approach to employee information access

12. Maybank has more than 2000 CSOs (Customers Service/Sales Officers) and FEs (Financial Executives) as part of its "Sales Force" to sell financial products under the following domains: Savings & Investment, Protection (Life and General), Lending, Daily banking. Maybank has instituted action plans with the objectives of: Tracking sales performance And Incentive calculation for sales • Calculate Sales Incentives for payment into the staff account, and review of individual performance • Track of sales activities and performance • Provide sales performance analysis and report for Manager Sales & Service, Zone, Region and Corporate Head Office (Sales Management, Marketing) • Windows 2000 Server • SQL Server 2000 • Host Integration Server 2000 • Office 2003 Web Components • Business Performance Analytical System (Consolsys Solution) • Consolidated view of sales channels • Reduced 60 day reporting cycles to T+2 • Online drill down analysis by product, sales, branch, region etc • Linked sales and performance tracking, promoting more cross sell of higher value products

13. London Stock Exchange – 97,000 terminals receiving real-time Market Data SWIFT - Gold Certified Central Bank of Spain - clearing for High Value Payments CheckFree – 1000 tps and 24% less TCO Nasdaq – Market Data Service handles 5,000 tps at market open 70 percent of all new ATMs shipped are Windows-based Banco Azteca - 64-bit Platform for Bank’s Core Transactions Equifax - move to Windows Datacenter and .NET saved millions Citigroup – CitiVision Integrates 270 Different Sources of Information for 12,000+ Global Investment Bankers SAP Core Banking Benchmark 8,279,000 postings to bank accounts per hour Nationwide (UK) - Basel II Compliance Solution with SQL 2005 consolidating 80 different systems data and storing for 7 years SberBank – largest bank in Russia – all applications on SQL 60,000 docs per hour Bank of Montreal - 18,000 users on .NET Smart Client for Branch (.NET Framework) Merrill Lynch - 1-800-Merrill .NET IVR platform that serves 75m transaction a day Bank of America automates customer call center – 15,000 agents using Microsoft Customer Care Framework (CCF) Cheshire UK – core banking with Fincentric Interpay (Netherlands) 25 TB Payment System JPMorganChase – equities trading platform Allstate – Producer Connectivity network leverages .NET while helping enable Policy Management solution in record time. Barclays Trade and Positioning System processing 200 trades/sec up to 1000 trades/sec First American Title Company - Title and Escrow System consolidated 50 systems to one, 12,000 concurrent users, 64-bit capabilities Citigroup TreasuryVision - Managing Corporate Cash Around the World Mission Critical in Financial Services

14. Leveraging Existing Investment

15. Engaging With Microsoft – Next Steps • Contact your Account Executive • Define most significant area of business opportunity • Develop an initial solution blueprint with Microsoft and our partners