Partnering for excellence

HCL inFinancial Services

Understanding tHe Industry

HCL – Here to help• Over11yearsexperienceinFinancialServices

• 100+globalcustomers

• End-to-endITservicesandsolutions-ADM,ASM,InfrastructureManagementandOperations

• Continuousinvestmentstoprovideinnovativesolutionsforcompetitivedifferentiation–H-Suite, AssetMonetization,MergeIT,UtilityServices

Insurance

• Reorganizationoffrontoffice

• Predictiveanalyticsmodelforbetterworkflowmanagement

• Improveddistributionmechanism

Capital Markets

• Regulationandcompliance

• Riskmanagement

• Increaseinvolumeofelectronictrading

Banking

• Datamanagementandpayments

• Integrationandbetterrelationshipmanagement

• Upgradeoflegacysystems

Key Challenges

• Domaincompetenciesacrossretail&corporatebanking,capitalmarkets,andinsurance

• Long-termcustomerrelationships/strategicallianceswithleadingglobalFScompanies

• Value-basedmultiservicesapproachinmanagingrisk,complyingwithregulations,conceptualizingandenhancingproductfeatures,andmanagingtransformationalchallenges

• Providingproductionsupportformorethan100missioncriticalclearing&settlementsapplications,handlingtransactionswortharoundUS$100billionaday

FinanCiaL serviCes VaLue+ soLutIons

CollateralManagementSystem Streamlinesthefollow-upprocessforcollectors,andreducescycletime

CapitalStreamTM AnintegratedsoftwareplatformenablingcommercialbanksandfinancecompaniestoimplementStraightThroughProcessing(STP)acrosslendingandleasingportfolios

InvesITTM Anend-to-end,webbased,automatedresearchmanagementsolutiondesignedforbusinessesengagedinequities,fixedincomeandderivativesrelatedresearch

HCLLoanOriginationSystem(HCLLOS)

Anenterprise-lendingsuiteintheretailloanoriginationandproposaltrackingspace;highlyconfigurable;supportsend-to-endretailprospecting,originationrequirementsandenableslenderstotailororiginationprocessesfrominitialprospectingtodisbursalreadiness;supportsallmajorretaillendingproducts-mortgage,auto,personal,consumer,educationalandotherloans

HCLPricing&InvoicingforCustomerCentricEnterprises(HCLPRICE)

Enablesfinancialinstitutionsdesignandimplementinnovativepricingschemes;supportsahostoffeeoptionsbasedonauserfriendlyrulebuilder,configuresdifferentialfeesacrosstransactiontypes,channels,processingsystemsandcustomergroups,andmeetscomplexinvoicingrequirementsofmulti-tiered,multi-geoclientorganizations

HCLIslamicFinanceOriginationSystem(HCLFOS)

Anenterprisefinancesuiteintheretailfinanceoriginationandproposaltrackingspace;supportsmajorIslamicretailfinanceproductssuchasresale-based(Murabaha,Tawarruq)andlease-based(Ijarah,Istisna);supportsmanyassettypesrangingfromrealestatetoautomobiles,andassetssuchasfinancialsecurities(stocks,bonds,andothers)

HCLPaymentsAccelerator(Asuiteofacceleratorservices)

Asuiteofpaymentsprocessingacceleratorservicesthatassistsbanksinunifyingtheirpaymentofferingsacrossmultiplechannelsandcustomerbases;enablesbanksacceleratedevelopmentofaunifiedPaymentsHubandaddressesspecificpainpointsinpaymentsprocessing

HCLPaymentGateway Aleadingpaymentgatewaysolutionthatenablesbanksoffermerchantandotherinstitutionalcustomersmultichannelelectronicpayments

TradeXekSuite

TradeXekSuiteconsistsofthefollowingSolutions/IP’s:

a. TradeXekXekData:HCL’sBusinessInformationManagementsolutionforCapitalMarkets,offersacrossasset,crosstrading,crossreferencingplatformthataddressestheneedsofdifferentmarketpracticesandusergroupsforarangeofassetclasses.

b. TradeXekPositionEngine:Itprovidesanabilitytocreate,maintain,andanalyzeconsolidatedreal-time/batchpositioninformationfordifferentusersandfunctionalgroupsinteractingwithclientsandmarkets.

c. TradeXekXekRisk:Anenterprisewideportfolioperformanceandriskmanagementplatformcombiningcuttingedgetechnologytoolswithsophisticatedfunctionalcomponentstocreateaplatformwhichcandriveawiderangeofriskandperformanceapplications.

d. TradeXekBestExecution:Alowlatencyexecutionvenueselectionsolutionthatallowsinstitutionstoselectthebestvenuefortradeexecutionathighspeed,usingbuilt-inandextendiblealgorithms.

IPs/ solution accelerators

• Riskfrontierwillbeconservative

• Increaseininvestmentsincustomerself-servicechannelslikemobilepayments

• Emergenceofnewertechnologieslikecloudcomputing

today’s Imperatives

• Managingtechnologyasastrategicdifferentiator

• Focusonprioritizationofcapitalinvestments

• Rebalancingofglobaleconomicpowerandinfluence

• Replacementorupgradeoflegacysystems

• Realigningthebusinessthroughacquisitionordivestiture

• Focusedexperimentationwithemergingtechnologies

overall trends

• Narrowingmarginsandregulatorylimitsonrevenuewillimpactbalancesheets

• Increasedgovernmentandcentralbankinfluence

• Technologyadvanceshaveloweredbarriersofentry

• Emergingtechnologysuchaspaymenthubs,andnewtrendssuchascloudcomputingtobringnewcapabilitiesonlinequicklywithnoup-frontcapitalexpenditure

• Financialinstitutionstoalignproductstoregulatory,marketandtechnologypressures

• Investmentsintechnologyfor2010willbeinpervasiveanalyticsandimproveddatamanagement

• OneofthelargestverticalsinHCL

• 13000+HCL‘transformers’transformingtechnologyintocompetitiveadvantageforsomeofthelargestglobalfinancialservicesorganizations

• Horizontalservices-EnterpriseTransformationServices(ETS),IndependentVerification&Validation(IV&V)servicesandIntegratedOperationsManagementCenter(IOMC)

• TechnologyCoEsaddingvaluetoofferings

“Partnering with HCL, we can leverage our combined capabilities and resources to build a leading solutions company, while reducing our technology services cost.”

CIo, a Large Global Investment Bank

“…i am very impressed by the services being delivered by HCL. HCL has been an invaluable partner in our march towards providing our customers the best services. i look forward to the continued development and expansion of this partnership.”

executive VP and CIo, a Leading american Insurer

“We interacted with HCL as a preferred outsourcing partner for our large multi-business processing project that we undertook across the bank. i am pleased with the effort and work done by HCL in application development and technology support transition required to create our global shared service centers.”

technology Program director, a Leading Bank in the emerging Markets

Testimonials

transforming online Payments Platform

HCL provided an end-to-end solution for a leading bank intheemergingmarketsbydesigning,developingandprovidingproduction support for their online platform that supportsmultiplepaymenttypesincludingTelegraphic&BookTransfers,RealTimeGrossSettlement,DirectCredit(ACH)andCheques.Taking into account the intricacies of automatic feeding ofSWIFT transactions and the gamut of payments, collectionsand custody transactions, HCL designed this robust solutionon a risk-sharing model through offshore-centric managedservices.Results: Thesolution supportsusers in42countrieswhere transactions are originated and routed through theclient’s gateway and network with an average response timeof 2 seconds for 10000 concurrent users; a single-customerviewacrosscash,paymentsandcollection transactionswhileprovidingunifiedmessagingandcustomizablereporttemplates.

Global research Content Management system

HCL automated the research content management systemacrosstheglobeforaglobalinvestmentbank.Theweb-basedapplication with multi-language interfaces [English, Germanand Japanese], tracks and controls all workflow stages andallows regulationanalysts to certify andpre-populate relevantdisclosures. Results: Reduced time-to-market due to anautomated global system serving 1300 analysts [scalable to2500+]withover200documentsauthoredanddistributedeveryday,covering13sectors,20disciplinesand130000companies.

transforming closed book administration for a leading wholesale financial services firm

HCL enabled a leading wholesale financial services firm inmovingfromafixedtoavariablecostmodel,whilemaintainingsystems that are compliant with regulatory requirements fortheir closed book insurance policy administration. HCL IBSoverhauled all of the clients existingprocesses andmanagedthemigrationofthefirst100,000policiestoitssuiteofsystemsand helped in migration of the remaining services to a newplatform, using a proven solution, within the first year of thepartnership.Results: 95%ofLifepolicyandpersonalpensionpolicyclaimsarecompletedwithinfivedays;95%ofLifeandpersonal pension policy enquiries are completed within threedays;95%ofnewbusinessenquiriesarecompletedwithinfivedays;abandonmentratesfortelephonecallsarenowlessthan5%and improveonamonthbymonthbasis;costs forpolicyadministrationhavebeensignificantlyreducedcreatingsavingsfor theclient; enabled theclient toachieve savings in excessof 5 million GBP by decommissioning a mainframe legacyapplicationsystem.

tech-led regulatory Compliance for faster GtM

AleadingEuropeaninsurerpartneredwithHCLforefficientandflexiblebackofficeapplicationmaintenance toenablespeedyrealization of business requirements, regulatory changes andnewproductintroductions,architecturalsolutionsforapplicationintegration, technology partnership to help embrace SOAimplementations in front andmiddle office functionalities andfor introducing products through theweb.Results: The clientwasthefirstcompanytobecompliantwiththenewNetherlandsPensionLawandachievedStraightThroughProcessingacrossallGeneralInsuranceProducts;75%reductioninincidentsinthePensionDivisionand85%reductionsintheGeneralInsuranceDivision.A“ProjectPortal”displaysallrelevantmetrics,ensuring100%transparencyacrossprojectexecution.

CaseStudiesPeoPLe In aCtIon tHe FinanCiaL serviCes team

Industry Focus

Retail&CorporateBanking,Insurance,CapitalMarkets

domain expertise

• 13000+domain&technologyconsultantsacrossRetail&CorporateBanking,CapitalMarkets,andInsurance

• Micro-verticaldeliverystructure-specialtyskillsacross24micro-verticals

• 1stIndianserviceprovidertomigrateCapitalMarketsprocessesoffshore

• Capabilitiesindevelopment,enhancement&maintenanceofapplicationsacrossfrontoffice,middleofficeandbackoffice

• Managinglargemulti-serviceengagements-decade-longassociationwithoneoftheworld’slargestinvestmentbanks[handlingmorethan120projects,200processes,and850applications]

• LOMAexcellenceawardinInsurancefor6consecutiveyears

• Six-sigmaacrossvariousprocesses-yellow,greenandblackbelttrainedprofessionals;SAS70initiativesacrossprocessesforoperations

• TopFSservicescompanyinGermany,SingaporeandtheNordics

Centers of excellence - Coe

• Clear2Pay• Misys• Sage• Dedicated

InsuranceSolutionsDevelopmentCenterinIndia–150+majorinsuranceassignmentssuccessfullydeliveredacrossLifeInsurance,P&CInsuranceandReinsurance

domain led innovation through Partnerships & Industry alliances

• Clear2Pay

• Callatay&Wouters

• Cinnober

• eBaoTech

• Guidewire

• Misys

• Norkom

• Sage

• SAP

• SFS

• SAS

unique Business Models

• OutputBasedPricing

• GainShareModel

• OnsiteRationalization

• Task/ActivityBasedPricing

• Utility&TransactionBasedPricing

• Risk–RewardSharing

• JVs

Comprehensive services across the ecosystem

• EnterpriseTransformation

• ProductEngineering&Development

• SystemIntegration

• ITServices,Management&Operations

• BPO

• InfrastructureServices

100+ global customers

• 8ofthetop10AustralianBanks

• 1ofthetop2InvestmentManagers

• 1ofthetop3GlobalInvestmentBanks

• No.1RetailBankinUK

• 3ofthetop10InsuranceCompanies

sUCCess storIes

HCL’s FinanCiaL serviCes team IMPaCtInG tHe WorLd

• experience–Over11years

• Customers–100+globally

• team–13000+technology&domainconsultants

• Micro-verticals–Retail&CorporateBanking,Insurance,CapitalMarketsandspecialtyskillsacross24sub-verticals

• services–EnterpriseTransformation,ProductEngineering&Development,SystemIntegrationITServices,Management&Operations,BPO,InfrastructureServices

• Capabilities–Development,Enhancement&MaintenanceofApplicationsacrossFrontOffice,MiddleOfficeandBackOffice

• Fs Partnerships–Clear2Pay,Callatay&Wouters,Cinnober,eBaoTech,Guidewire,Misys,Norkom,Sage,SAP,SFS,SAS

| 90000 people | 31 countriesHcl tecHnologies: $6.2bn

tHe WorLd is notiCing soMetHInG unIque aBout HCL

The‘EmployeesFirst’philosophyatHCL,thefirstsucharticulationintheITIndustry,isatthecoreofoureffortstoprovideouremployeeswithaworkenvironmentandculturethattheycantakepridein.

it is eMPLoyees FIrst

employees First.

Whenyouchannelizetheenergiesof90,000employeesandpouritintoafunnel,yougetapotentconcoctiongushingoutoftheotherendthatwillsendyourcompany’senginesracing.

WecallthistheEmployeesFirsteffect.

www.hcltech.com

HCL’sEmployeesFirstisanewandradicalmanagementphilosophywhichwillcatchonwiththeworldsoonerorlater

HonoredwiththeForresterGroundswellAward2011inthe‘Management–InnovativeSystems’categoryfor‘ValuePortal’–anemployeeideaexchangeplatformwhereemployeescollaborate,innovateandleadtheimplementationoftheirideastodelivervaluetoHCL’scustomers

DardenSchoolofBusinesshasdoneacasestudyontheimpactcreatedbyHCLthroughits“EmployeesFirstCustomersSecond”practice

HarvardBusinessSchoolteachesaboutHCLasacasestudyonbusinesstransformationhighlightingtheEmployeesFirstinitiative

OneofBritain’sTopEmployersforthe5thConsecutiveYear

HCL’sEmployeesFirstand‘democratization’ofmanagementconceptcould‘bringaboutacorporaterenaissance’

ExclusivereportonEFCSrecognizesthatthisphilosophyempowersHCL’sfrontlineemployeestomakedecisionsandtakeactionsforthebenefitofcustomers

Gartner

Rankedastheworld’sMostInnovativeCompanyforitsworkforcepractices

PublishedbyHarvardPress,employees First, Customers secondisadmiredbyglobalthoughtleaders-TomPeters,TonyHsieh,GaryHamel,JudyMcGrath,RamCharanandVictorK.Fung;Ranked

No.17ontheBestSellerlistin800-CEO-READ;Listedamongstthe‘BestBusinessBooksof2010’bytheLibraryJournalofAmerica;RankedNo.7onAmazonUK’slistingof‘BestBusinessBooksof2010’.

PublishesaCaseStudyrecognizingthebusinessvalueofHCL’sEmployeesFirst-“ForHCLcustomers,improvedengagementandemployeepassiontranslatesintogreaterflexibility,proactiveinnovation,andadesiretodotherightthingforthecustomer,regardlessofwhattherulesmightsay”,itsays.

WinstheAsianHumanCapitalAward2011forinnovativeandimpactfulpeoplepracticescenteredontheEmployeesFirst,CustomersSecondphilosophy

Forthefourthtimeinarow,WorldBlulistsHCLasoneoftheMostDemocraticWorkplacesintheWorld

AcknowledgesHCLTechnologiesastheworld’smostmodernmanagement

HCLisalsotheonlyAsiancompanywhoseCEOfeaturedonFortune’s‘DreamTeam’

HCLisintheElite“Thinkers50”List