WWWIIINNNCCoorree Integrated and Online Retail Banking Solution

Today’s Banking competition becomes

more fierce as before. Customer are not only demanding for good pricing but online coverage, easy and best services as well. In other words, the most convenient Banking is the key success for Banking today. It is becoming a dynamic challenge for Bank to address such changing behavior and demands. Besides, as a regulated industry, Banks are mandatory to comply with the Banking Regulation set by the Central Bank. To stay ahead in the competition, Banks have to own good people, management and IT system. Within the IT system, Core Banking System is one of the key components that contribute to the success. Realizing this importance and critical factor, PT. Warna Bintang Kreasi (WBK) is proudly to present and launch to the Banking Community, a new design and develop Core Banking System known as WINCore Banking System, an Online and Real Time Banking Solution that meets the current and future needs of Banks in Indonesia.

WINCore Design Concept and Foundation WINCore Banking System is designed and developed based on the following concept as the foundation across all modules:

� Customer Relationship Management (CRM)

� Integrated but modular � Flexible, Open, Scalable and

Secure � Comply to Bank Indonesia as a

Regulator With single identity number for each of Bank Customer, Bank can easily view the Customer portfolio at any point of time. All modules are integrated to increase the operational efficiency and thus better control. However, to make the implementation simpler and easier, WINCore Banking System is also design modular. Using the comprehensive parameter setup provided inside the WINCore Banking System, it will give high flexibility for product creation and innovation as “time to market” becomes very critical in the bank’s competition. Running on the Leading edge IBM iSeries technology platform, it will make WINCore Banking System:

� OPEN - easy to connect to any other system such as Tax-online, Host-to-host to Telco and PLN, RTGS, etc.

� SECURE – It’s already proven that IBM iSeries has been very secure and no virus ever found so far.

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� SCALABLE - it can be run from the smallest model of IBM

iSeries up to the largest model. Banks can start using the right size of iSeries model and it can be upgraded easily when the bank grows. This means your investment is protected.

WINCore Framework

WINCore Banking System specifically is designed for Retail Banking to support the current and future needs and comply with the Central Bank Requirements.

Following are the key component of WINCore Banking System:

� Customer and Product Management

� Accounts and Operations Management

� Teller and Signature Verification System

� Current and Savings Account � Lending � Deposits � Services that covers:

o Collection o Clearing o Transfer o PDC

� Accounting System (GL) � Reporting and BI reports

WINCore Banking System is a solution that enables Bank to increase the customer service, easy to product creation and innovation, and a tool for doing a cross-selling.

WINCore Standard Features Across all modules, below are some of the highlighted standard features available:

Single Customer Id

Each of Bank customers is assigned a unique customer number that will be linked to all accounts belong to that specific customer. Thus it will give a complete Customer Portfolio. It will enable Bank Customer to do inter-account transfer automatically or manually.

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Parameter Set Up

A complete and comprehensive parameter is provided and it can be easily set up by User for:

� User profile definition � Product creation and innovation � Terms and Condition application � System Access, Transaction

Limit and Authorization Level.

Module Integration

All modules are integrated and it will reduce the manual posting and back office activity significantly. Thus it will increase the operational efficiency and control as well.

Multi Currency

WINCore Banking System has the capability of processing multi-currency system up to the Accounting (GL) module. Bank can easily define any product in other than Rupiah, such as US Dollar, Euro, Singapore Dollar, Pound sterling, etc.

Real-time Online

All transactions will be processed Real-time Online. So, it will increase the operational efficiency and control, plus will reflect the up-to-the minutes Balance Sheet and P/L Report.

Security High Security is applied into the WINCore Banking System. Utilizing the strength of IBM iSeries Security System and Built-in Security inside the WINCore application itself, any user can access the application if and only if she/he is registered at the Operating System Level (Hardware OS) and in the WINCore Banking System as well. This also represents the dual-control mechanism.

Centralized Back Office

For Back Office transactions processing, Bank can choose either to process it centrally or distributed. This will give Bank benefits of reducing the Overhead Costs very significantly by concentrating the back office processing at one place instead of at every Bank’ site.

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What Differentiate WINCore Banking System with Other System As a newly developed Core Banking System, WINCore Banking System will have many advantages compare to other system that has been in the market for more than a decade. On top of the standard features available across the modules, WINCore Banking System offers the following unique features that make it better and more competitive:

� User define-able menu / screens and or reports User can easily define menu / screens and or report that meets his/her own specific needs. It usually gets along with his / her job-description.

� Extended Database To cater for additional information required (usually it comes from Central Bank), the Database can be extended independently by Bank without asking for modification which will lead into time and cost the bank should spent.

� Online Red-Flag In line with AML Regulations, System will automatically alert once there is suspicious transaction by creating messages. It is up to the Bank’s policy to response to it.

� Old and new Account Number During transition period when implementing WINCore Banking System, the old account number together with the new account number can still be used for smooth operation. Once the user has been familiar with the new ones, they can start using the new account number.

� Support Inter City Clearing WINCore Banking System support Inter-City Clearing by detecting the Bank Code (Sandi BI) for every Bank’s cheques.

� Inter-branch Access

Standardization System can set the standard for inter-branch access and authorization.

BENEFITS for BANKS Once WINCore Banking System is successfully implemented, it will provide the Bank with the following benefits:

� Real time online and integrated solution

It will increase the Bank’s Operational Efficiency, control, Customer Service and Up to the minute Balance Sheet and Profit & Loss Report.

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� Ready to support the Bank’s growth WINCore Banking System specifically designs for retail Bank. It can be used for small, medium and large Banks and it can easily grow according to the growth of the Banks by upgrading the IBM iSeries Technology Platform which is scalable and upgradeable.

� Easy for Bank Product creation and maintenance Using the available comprehensive parameter set up, Bank can easily create and maintain any new or existing products to meet the market and customer demand.

� Meet Local Requirements WINCore Banking System is designed and developed to meet the local requirements and fully compliance to Central Bank requirements as well.

� Excellent Customer Support As a leading world class IT Company, IBM will provide its best service and support for all IBM iSeries Customers. With a pool of experienced Banking Consultants and IT experts, WBK will provide its excellent service and support to ensure the implementation of WINCore Banking System successful.

PT. Warna Bintang Kreasi is an Integrated IT Solution Provider that consists of experienced Banking Consultants and IT Experts that dedicate their knowledge, skill, thought and time for serving the Finance Industry, majority in Banking Sector. Capitalizing hundreds years of team experience, we are ready to be your IT Partner to support your current and future needs. PT. Warna Bintang Kreasi can provide you the following services:

� Implementation

� Training

� Data Conversion

� Develop SOP

� Branch Roll-out

� Customization

� Modification � Maintenance

For more information, please contact:

Phone. 536 79216 – 19 Fax. 536 79220 Email. phan@warna-bintang.co.id

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