Cash Processing Excellence for Retail Banks. Gaining productivity and security for your cash operations

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1 Cash Processing Excellence for Retail Banks Gaining productivity and security for your cash operations

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3 What drives retail banks Growth Efficiency Customer loyalty Banks operate in a challeng- For a retail bank, branches In an environment in which Another reason why branches ing environment: customer are still a very important there is ever-increasing pres- must remain in the mix of sales requirements and costs are sales channel. Having a branch sure on margins, continuous channels is because they are increasing and competitive close by increases the attrac- cost reductions are essential where your staff establish per- pressure is growing. If they tiveness of your bank and is to long-term profitability. Au- sonal contact with your clients. are to contend, they must ful- often the reason people opt tomation is the key here: by In this way, you lay the foun- fill some key success factors. for a particular bank. Contin- offering self-service facilities, dations for trusting long-term uous development of your you can handle account trans- business relationships. branch network is therefore actions quickly and cheaply. Along with the brand experi- very important. In some re- This will free up capacity to ence, this is an opportunity for gions, this is still a matter of sell banking products, which your bank to stand out and quantitative growth. In future, also require more and more strengthen customer loyalty. however, there will be a trend consultation as regulation towards greater specialization deepens. Automation in cash in existing branches; you can management and processing use this differentiation to enables efficient, transparent, offer your target customers and secure processing of even better service and help transactions. This not only to increase your sales. saves staff costs, but also expenses associated with the cash holdings themselves.

4 Software We know the cash cycle and take an end-to-end view. From the branch Self-service systems have already automated large parts of the cash service to clients. However, there is potential for further automation in internal activities and processes related to cash. In systems for secure banknote processing, or software to optimize cash holdings in the branch, for example. These not only provide for great efficiency and security, but are also worthwhile financially, as the time saved by automation can be invested in active and profit-making customer service. Giesecke & Devrient (G&D) understands the cash cycle and the interaction between the different players involved. Furthermore, we understand the challenges that arise in a branch and offer the appropriate solutions. Bank branch IT security

5 Cash center Cash logistics solutions for cash management and cash processing

6 ...to the cash center Cash centers are used to process movements of cash into and out of your branches. From this perspective, they also have an impact on the costs and effort involved in cash management regardless of whether you run the cash center yourself or through a third party. As a global service provider for cash centers of all sizes, we provide comprehensive consultation: we design solutions comprising hardware, software, and service packages, and we define processes to enable maximum productivity. This also includes optimizing the interface between the cash center and the bank branches. Take advantage of our knowhow for greater efficiency and security.

7 Something you can rely on Security is our business Persuasive and future- Know-how for maximum Knowledge that pays off proof technology return on investment For over 160 years, the suc- The majority of central banks cess of G&D as a business has For successful cash manage- By deploying high-productivity and banknote printers as well been shaped by innovation. ment in branches and cash automation technologies and as many cash-in-transit com- The company initially special- centers, being able to rely software solutions, you can panies and casinos around the ized in printing banknotes and on the security of the technol- reduce your costs from day world are among our custom- supplying the security papers ogy and processes deployed one and amortize your invest- ers. More than 850 retail and machines for banknote is essential. ments within a short time. banks also use G&D technolo- processing. Over time, it devel- Profitability calculations show gy including the world s oped into one of the leading top banks. This means that security technology companies. you benefit from an immense Today, G&D designs and imple- wealth of experience, which ments comprehensive solutions we have built up through for cash-based and electronic our long-standing worldwide payment transactions, for activities in cash handling. personal identification, and This enables us to design for security over the internet and implement the optimum and mobile telephony. solution tailor-made for you. Regardless of how large your organization is and what degree of automation you With G&D technology, you that our outstanding solu- have already achieved, or can be confident that our tions are demonstrably whether you are in an estab- solutions will be a perfect cost-effective over the whole lished or developing market, match for your requirements, product lifecycle. we always adapt our solu- and that our service will guar- tions to your needs not the antee availability in the future. other way around.

8 Perfect integration for maximum success No matter what the details of your project may be, it is always our aim to make your cash management and cash processing as efficient as possible. To achieve this, it is necessary to mobilize all of your company s potentials and strike a perfect balance between the major drivers and cost factors. We adapt the focus of our consulting expertise and the solution design according to the level of relevance of several elements for your commercial bank. As your partner, we apply our specialist knowledge to ensure that these elements fit together like building blocks to produce a coherent overall concept with the greatest possible efficiency. We develop and implement this made-tomeasure solution for your bank in four phases: The four phases of your complete solution for cash processing 1 Analysis 2 Solution design 3 Implementation 4 Post-deployment

9 Phase 1: Analysis In the analysis phase, we examine all the key requirements that affect your cash processing and cash stocks. In branches and cash centers, these include the volume of cash and the efficiency of the existing equipment, process requirements, reporting, transport logistics, staff and interest costs, and IT infrastructure. In cash centers, the building, the number of staff, and specific client requirements also have a major bearing. The outcome of this first step is a comprehensive and detailed requirements profile covering your objectives the basis for the subsequent project phases. Phase 2: Solution design In branches, the key elements of our solution for you are cash handling systems, software to optimize cash holdings, integration of our concept into your IT infrastructure, and a tailor-made service concept. For cash centers we also produce a detailed process design, and incorporate other automation components such as intelligent conveyors and automated vaults into the concept. All components are modeled with 3D graphics so you can visualize how your production will look in the future. It is especially important to us to use modular products that are easily scalable: that is the only way to ensure that your production can be easily adapted to changing requirements. Based on the selected solution elements, we produce an overall specification, provide you with a made-to-measure proposal, and plan the joint implementation.

10 Phase 3: Implementation Once you have approved and commissioned your solution, we begin the implementation. Here we place great emphasis on precise implementation, timely completion, and optimum productivity for your branch or cash center. The implementation may vary very widely depending on the project. The scenarios range from rolling out multiple systems in different branches to installing and commissioning complex solutions in the cash center. Our specialists will also provide thorough training for your staff and support acceptance testing to ensure that your project goes live on time. Phase 4: Post-deployment Service is a key element of our solutions-oriented business. To ensure that you can rely on optimum availability throughout the lifetime of your systems, we offer a complete range of services all over the world. These include: Tailor-made training programs for your staff so that systems and software are always used optimally Service packages customized to your needs: We perform preventive and corrective maintenance according to the agreed service level. If required, we also provide continuous on-site support, in order to respond to incidents directly. Furthermore, we take preventive maintenance measures in consultation with your production planners. That way, we ensure that you can concentrate on your core business at all times.

11 Focus on maximum system availability The constant availability of the production components is crucial for you. Our support services for maintenance and performance management via remote access help to ensure this and optimize the costs. Optimized maintenance Remote maintenance allows system settings and software applications to be optimized immediately, without interfering with your business processes. Any system faults can also be analyzed right away. If they cannot be fixed by remote maintenance, the information will help the service technician to prepare for work on site. Continuous improvement of productivity Software updates maintain the productivity of your systems in an optimal way (e.g. detecting new banknote issues). Extending the system by adding new functions can also be accomplished with ease: for example, if the system is to recognize additional currencies or further software modules are needed. Regular performance reports help you to obtain valuable system data and monitor system performance. Based on this performance data, we regularly suggest suitable ways of optimizing the system and improving productivity. For example, we can detect when consumables are about to wear out and deal with them proactively: on your chosen date and without affecting ongoing operations. Needless to say, G&D s remote maintenance is based on the latest IT security standards and is always kept right up to date. Conclusion: With G&D as a partner, you can rely on maximum availability and productivity from your systems. That way, we free you up to concentrate entirely on your clients.

12 The partnership principle Get to know our philosophy on partnership and collaboration and see for yourself. With G&D at your side, you will receive more than just a technical cash management and cash handling solution for your branches or cash centers. Together we will tackle the challenge of reducing costs while cultivating the conditions for further growth. We listen to you. That is the only way you will get a solution that offers you genuine added value: one that is individual and based on modular, easily scalable components, with a firm commitment to high-quality products and first-class service. An optimum safeguard for your investment! This is how we live up to our principle of "Creating Confidence" and remain your reliable partner now and in the future. Please get in touch with us. We would be happy to advise you at any time.

13 Solutions are always developed together.

14 Giesecke & Devrient GmbH Prinzregentenstrasse 159 P.O. Box Munich GERMANY Phone: +49 (0) Fax: +49 (0) Giesecke & Devrient GmbH, All technical data subject to change BR_Commercial Banks_jul14_E CM_1.000