SOLUTIONS TO TRANSFORM YOUR BUSINESS FOR BETTER TOMORROW...

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1 RATINGS SE 2B, High Performance capability SME company SOLUTIONS TO TRANSFORM YOUR BUSINESS FOR BETTER TOMORROW

2 eseries Solutions A flagship product of Puratech that meets banking requirements for Retail and Wholesale banking environment The solutions are built on open architecture that supports multiple platforms and databases and seamlessly integrate with existing Core Banking solutions if required or can run as a core solution of the specific business process The solutions have been recognized by leading Banks based on the fact by the number of implementations and the value proposition the solution has brought to our clients Domain - The Solutions have been built around core specific Banking Business processes along with the best practices for these Domains Modular The products are designed to work in standalone as well as in integrated business environment The solutions designed are modular within a Domain solution to enable easy implementation and to scale up as per our client s business requirements

3 COMMODITY LOAN SOLUTION ecbf Powerful Loan and Risk Management Solution An end to end solution for commodity financing business from account sourcing, monitoring and control with M2M tools, operations, recovery management, audit and loan closure along with document management throughout the loan life cycle Integrated credit rating interface with CIBIL

4 Key Features of ecbf Modules Commodity setup Loan origination Warehouse management Collateral and commission agent management Repayment management Insurance tracker Mark to market - Margin call system Third party data interface tracking Highlights Ready to implement structured financing product enabled with best practices adopted by leading Indian banks A solution that addresses total end to end requirements of commodity based financing Centralised / Decentralised loan origination with Maker Checker Hub and spoke configuration with state wise limit setup Commodity CAP setup at various levels including Programme CAP and respective commodity CAPs Various loan account type management - Retail / Bulk / JLG Warehouse receipt valuation for credit control Standard codification mapping with various Commodity Exchanges Warehouse survey and stock audit management Integrated insurance management across variuos levels of business process Physical as well as Demat stock funding Collateral manager interface for faster loan disbursement Role based dashboard configuration Standard reports to manage risk and exposures Letter, notices templates along with and SMS alerts Integrated margin call system - facility to upload data from various sources and run call margin on scheduled and on demand basis Generation of call margin letters and tracker along with system alerts Document management along with Deferrals and Discrepancies tracking

5 Loan Management Scalability Product Framework Differential interest definition within a single account Rescheduling of loans, Deferrals and waivers Calculation of overdue / penal interest Different interest type definition - Monthly interest servicing, Bullet, Upfront servicing Multiple Repayment options - full, part and specific payments towards charges, insurance, penal interest and margins NPA classification and monitoring Repayment scheduling with principle and interest on monthly basis The software allows easy integration and linkages with various financial products and external applications Integration with leading core banking solutions such as Finacle, Flexcube Price data upload from various commodity exchanges and sources Integration with commodity exchange back office solutions ecbf mini - mobile application for Blackberry, iphone, Android phones stay connected on the move for Approvals and Portfolio status Credit rating interface with CIBIL

6 Security Technology User identification through User ID/password combination Adoption of Static Password definable as per bank s Security policy Password creation and maintenance is in compliance with bank specific standards (Forceful change, history, encryption, audit trail, dormant user, attempts, activity report generation, etc) Roles / Right Based User Profiles and Activities, Privileged Users and Access Control Concurrent user locks Automatic logoff for unattended terminals and audit trail of login and logout status Activate / Deactivate User Accounts on Run Time Database Platform: MS SQL / Oracle Development Architecture: J2EE Deployment Server: IBM WAS / Pramati / Tomcat / Jboss

7 End to end commodity loan management solution INTEGRATION WITH CORE BANKING SYSTEM Payouts module Insurance Tracker C O N F M I A G N U A R G A E T R I O N Repayment Module Management & Commision Agent Interface Collateral manager Interface Warehouse receipt management Borrower Disbursement Borrower Appointment Sourcing / Service Agent Appointment D T O R C A U C M K E E N R T M A R G I N C A L L S Y S T E M Commodity Set Up Support Modules FINANCING MODULES

8 Business Benefits to Banks Ability to manage bigger portfolios in Commodity Financing Lower TAT can be maintained for disbursals Allows banks to take real time decision on various levels of exposures Banks can monitor the risk involved throughout the contract period Operations can be simplified across various locations using single application interface End to end system which allows integration of call margin (mark to market), integration with core banking and integrated document and warehouse receipt management and tracking Margin call can be run from a centralised location across the portfolio Physical stock reconciliation allows banks to monitor stocks across all warehouses in real time basis Better view on the commodity price trends allows banks to quantify the value at risk on real time basis Easy management of WR s The product can be configured for other products such as loan against Gold Jewelry, Tractor Finance, etc apart from WHR financing Foreseeable Returns to the Banks Increased quality portfolio Extended borrower base Greater operational efficiency Optimum revenue generation

9 SUPPLY CHAIN LOAN SOLUTION ecf Electronic channel financing solution, a web based solution to facilitate and managed financial transactions related to Anchor, Dealers & Suppliers Integrates with existing core banking solutions and with Net Banking interface

10 Key Features of ecf Modules Dealer setup Vendor / Supplier Setup Anchor Setup Product & Variant Configurator Limit Configurator Back Office Operations Net Banking Interface Highlights Ready to implement Supply chain solution for any product variant configurable on the fly, with ready Net Banking Interface with Core Banking Solutions A solution to manage transactions related to Anchor Suppliers and Dealers, along with rule based transaction processing & interest computation A solution that provides information about the delinquency and it s management Segment / product setup Discounting metrix setup for segments Core bank account mapping Online Draw down by Dealer, Anchor, Supplier Option for Online Draw down by Manufacture Excel file upload batch process for multiple accounts Bank s Q for approvals and in cases of CAP bust Core Bank integration for draw downs Automated adjustments on FIFO basis for repayments Manual repayment option for account maintenance EOD hand off files for service charges and Service tax EOM hand off files for NPA and interest postings MIS / account maintenance Limit enhancement process Adhoc or Temporary limits for drill down with Bank s Q process Waiver and write-offs Loan document image processing alerts / SMS integration on work flow basis along with advice to Vendors / Suppliers / Anchors / Manufacturers

11 Loan Management Product Framework Purchase Order Finance Invoice Discounting Invoice Financing Interest Rate Management Normal Interest Delinquency Interest Overdraft Interest Charged on fixed OR floating - volume or Tenure based slab rates, upfront or in arrears Multiple interest computation method Commitment charge setup Revenue sharing with Anchor customer Scalability The software allows easy integration and linkages with various financial products and external applications Ready Net Banking interface Auto bill / invoice discounting through Anchor ERP systems interface

12 Case Study Yes Bank had proposed for a new enhanced service to its corporate customers to provide Single Sign-on for Internet Banking and Inventory Funding Application This feature will enable corporate users to sign in only once and access both the applications eifs have been an effort which can provide the solutions to the current business scenario After successful implementations of commodity based financing solutions (ecbf) in various Banks with implementation of this system YES BANK could offer Inventory finance advances to Automobile dealers as a new product to the existing loan products that YES Bank is presently offering Also this solution has been integrated with Corporate Net-Banking Those dealers who avail inventory finance facility will help YES BANK to up-sell their Auto loan product to retails customers through referral YES BANK will pass on interest subvention to these dealers based on their achieved retail conversions (interest rate subvention), Inventory funding software also provides additional feature for customer such as Buy-out Account facility over a different Bank Accounts for the manufacturer (External and Internal Account), RTGS facility for external account of Manufacturer, Dealer and Manufacture Bulk Draw Down facility (Excel Upload) in eifs, also tracking with the scheme / Branch (PSL, Non PSL), Product Variant level for Inventory and Trade finance

13 ebcs A Solution that address total end to end requirements of Business Correspondent Model Integrated core banking solution along with third party credit score rating systems

14 Key Features of ebcs A Solution that address total end to end requirements of Business Correspondent Model Configure multiple BC/ DSA service provider Manage Business Center / Operating Locations as per BC business setup Bulk account opening option for BC/ DSA using excel file templates based on BC s data extract from their existing Micro Finance Solutions Manage multiple loan / various asset class products Easy Maintenance, Managing and Monitoring of Group and Individual Members accounts by Bank with Maker Checker workflow Audit trails for all the processes right from BC setup to members repayment process KYC document Tracking / Deferral with Imaging solution Fully Integrated with Bank s existing Core Banking Solution and Third party Credit Score systems Separate interface for BC users and Bank s team Technology Database Platform: MS SQL / Oracle Development Architecture: J2EE Deployment Server: IBM WAS / Tomcat / Jboss

15 Loan Management Product Framework Identification of individual members across various product offerings under BC umbrella with single CustID and Multiple account mapping Fix Interest Calculation on basis of Weekly / Fortnightly /Monthly basis with EMI facility Freeze BC limits based on DPD days configuration as per Bank s Policy Normal interest accruals on a daily basis till the maturity date of the contract Configure Penal Interest, if to be charged for Overdue Clients (normal ROI + x%) Till the account is regularized based on Bank s Product policy Liquidation of contract on FIFO basis Option for initiating multiple BC/DSA s draw down through excel file upload process Validates group Limit or CAM and BC Limit Scalability The software allows easy Integration and Linkage with various financial products and external applications (Same as in ecbf) Integration with leading Core Banking Solutions such as Finacle / Flexcube Option for Group account mapping with Core and Members account maintenance with in ebcs solution for reduces account opening / maintenance cost V/S core account maintenance Proposed Mobie / Tab interface for filed level data input by BC/ DSA Credit Score rating agency interface; Highmark score / Cibil Score

16 Security Business Process User identification through User ID/password combination Adoption of Static Password definable as per bank s Security policy Password creation and maintenance is in compliance with bank specific standards (Forceful change, history, encryption, audit trail, dormant user, attempts, activity report generation, etc) Roles / Right Based User Profiles and Activities, Privileged Users and Access Control Concurrent user locks Automatic logoff for unattended terminals and audit trail of login and logout status Activate / Deactivate User Accounts on Run Time BC/ DSA limit setup BC/ DSA Center Setup Product / Segment identification with respective BC SHG/ JLG group account identification along with individual Member s account maintenance and Disbursement / Repayment monitoring Bulk data upload (based on existing back office solutions used by the BC) for account opening process and approvals within the Bank s Q KYC / Dedupe / Credit Score/ Seamless Core account opening through BC solution as per Banks s Workflow definition Authorization process with in the Banks Q for Disbursement request raised by BC towards Members account / Alerts notifications to BC on approvals / Payout Schedule generation Monitoring and treatments for Overdue cases / NPA classification as per Bank s Policy

17 eawms eagri Warehouse Management Solution (eawms) is a complete web based solution focused for Agri-based products, which can be deployed in a central location and accessed from all the warehouses The purpose of ewms is to manage, maintain and control deposits, stocks and releases of a warehouse with a centralized MIS system

18 Warehouse Process Daily Transaction Details (DTD) Gatepass Generation CAD Generation Fumigation Process Insurance Process Sampling Process Warehouse Receipt Generation Spillage/Extra Bags Calculation Process Warehousing Reports DTD File Upload Process Transaction Audit Collateral Management Process Warehouse Inspection Report CMS Location Identification Inward/Outward Process Sampling Process Storage Receipt Generation Delivery Order Generation - Release Auto Calculation of Commission Collateral Management Reports Account / Payment Module Professional Warehousing Billing CMA Billing CF Billing e Agri Warehouse Management Solution Payment Receivable Tracking Tally Integration Commodity Funding Process Funding Client Definition Capturing Bank Details Tracking of Loan Details Auto Calculation of Commission Audit Process Plan Do Check Act Methodology Audit Plan & Team Definition Standard Checklist Definition Real time Non Conformance Generation Root Cause Analysis Details Inbuild Task Reminders Audit Reports Stock Recon

19 Warehouse Management Module The Warehouse process involves all the activities right from creation of a Weightment Slip, managing the insurance, fumigation and Sampling processes to generation of a secure Warehouse Receipt which can be used as collateral for the funding process Features/Benefits Exclusive process for capturing the details of the Weightment process Various documents like the Gatepass s, Weightment Slips, Goods Transaction Reports, Goods Receipt Notes, Goods Issues Notes, Warehouse Receipts etc can be easily generated from the system on one click Secure Warehouse Receipt generation Approval process at various check points to track the validity of each transaction Insurance details can be captured and insurance policies can be tracked with reminders given well before the policy gets expired or the Policy limits reached Separate process for capturing the details of fumigation which provides alerts as per the fumigation expiry schedule Client wise automated bill generation as per the user requirements Generation of various reports as per user requirements Integrated Roles and Rights management allows user defined access to the system Warehouse utilisation & other reports Collateral Management Collateral Management Process ensures the monitoring of commodities held as collateral, thus reducing the operational costs and improving efficiency The Collateral Management process provides dependable inspection and monitoring services, our process ensures secure traceability of goods across the supply chain Collateral Management Process offers the service providers a robust mechanism to monitor collateral quality and quantity Features/Benefits Client wise & Bank wise/branch wise individual Case Tracking Interface specifically designed for tracking cases at a glance Detailed/Extensive Warehouse inspection report is captured in the system Secure Storage Receipt generation Approval process at various check points to track the validity of each transaction

20 Features The use of eawms would help the organization to reduce labour costs, Stationary costs & help in faster Customer Service & increasing the Storage Capacity of the Warehouse Easily configure locations, warehouses, units (godowns) with no limitations Easy to map bay and stack to the respective units / godowns Users can be added in the system with specific roles and rights which allows users to be tagged to the HO or to individual warehouse and or godown level Ability to add commodity categories and map commodities with their variety System has an integrated feature to add blanket insurance (floater policy), real time utilization value of insured goods can be derived from the system Systems allows insurance to be taken at warehouse level and also policy if procured by customer can be tracked separately System allows to manage walk-in clients and reservations (bookings clients), bookings can be done at the HO level or at the warehouse level System is divided in to two major processes ie deposit process and withdrawal process Integrated fumigation process Automated billing process on monthly and on withdrawal basis for all the modules Reservation customer billing Centralized & Decentralized Excess stock billing on reservation stock Warehouse enquiry management Warehouse business acquisition Client / Vendor login interface Benefits Single Server implementation and accessibility by users from all locations via internet Data stores in a single centralized repository which allows the company to generate real time reports Integrated end to end warehouse management process with minimal customizations No limitations on number of locations, warehouses, godowns and users Structured MIS with standardized reports (as followed by state managed warehouses report structure), can be customized as per clients requirements Work flow [maker, checker process] matrix integrated to core process which minimizes users errors and optimizes end result and enables full process control Integrated security management, which manages users rights and generates real time audit trails Low cost of maintenance Currently four modules are available can be scaled to provide customised modules as per client s requirements

21 Leading Institutions Implement eseries Solution RATINGS SE 2B, High Performance capability SME company

22 eseries Solutions e-commodity Based Financing End to End Commodity Finance Solution Channel Financing Solution End to End Supply Chain Financing Solution for Supplier / Vendor, Anchor, Dealer Supply Chain Electronic Inventory Funding System End to End Inventory Financing Solution for Auto Dealer, Manufacturer, Supply Chain Warehouse Management System Warehouse Management Collateral Management Audit Management Commodity Finance Module Travel Operations Solution etos-ib: Inbound Tours etos-ob: Outbound Tours erbs: Resort Booking System equality Management Solution eqc-doc: Document Management and Control eqc-cal: Calibration Management Solution eqc-audit: Audit Management Solution e Geology Database Solution For Exploration and Production Mining eschool eschool3c allows the School to Connect, Communicate & Control Seamlessly Through School s Website

23 Puratech Solutions (India) Pvt Ltd Puratech Solutions India Pvt Ltd is an IT services company that delivers comprehensive business solutions and customized applications using state of the art tools and technologies with an aim to enable the customer companies achieve organizational excellence Established in 2008, the company, over the years, has achieved core competency in designing, developing and maintaining customized solutions, B2B and B2C applications that enhance efficiency of operations The company also specializes in developing vertical-centric products The company delivers services across various industries in different countries spread over 200 installations It has proven expertise in Onshore and Offshore Development and its Outsourcing Development Partners are in Arizona (USA), Africa and Dubai Our Esteemed Clients & many more COMMODITY SUPPLY CHAIN BANKING TRAVEL QUALITY MANAGEMENT BUSINESS INTELLIGENCE

24 SOLUTIONS THAT WORK! PURATECH SOLUTIONS (I) PVT LTD wwwepuratechcom