THE LEADING FINANCIAL TECHNOLOGY PARTNER POWERING YOUR GROWTH

Transcription

1 THE LEADING FINANCIAL TECHNOLOGY PARTNER POWERING YOUR GROWTH

2 CONTENTS A GLOBAL SOLUTIONS AND SERVICES PROVIDER Global presence with LOCAL experts committed to your success P. 1 Your technology Partner of choice P. 2 A word from the President P. 4 Solutions at the heart OF your business P. 5 Our clients P. 7 Our organization P. 8 INVESTMENT MANAGEMENT SOLUTIONS Investment management Platform focus on your business, our experts do the rest P.10 Front and Middle Office P. 11 Back Office P. 12 Hedge Funds P. 13 Our strategy for investment management P. 14 Personal Insurance

3 P. 15 LENDING & LEASING SOLUTIONS P.16 STreamline opérations ACROSS PRODUCTS and lines of BUSINESS P.17 Increase OPERATIONAL efficiency AND grow your BUSINESS P.18 AUTOmATE multiple lines of BUSINESS STATE-OF-THE ART TECHNOLOGY TO MEET YOUR BUSINESS CHALLENGES LINEDATA, A TEAM OF EXPERTS WORKING FOR YOU P Best in CLASS PLATform LINEDATA Ekip360 LINEDATA Profinance LINEDATA Capitalstream LINEDATA UNILOAN P.21 Our STRATEGy for lending and leasing P.22 Helping our client grow and thrive P.23 INNOVATING TOGETher for your growth P.24 Client ENGAGEment program P.25 Some clients

4 A GLOBAL SOLUTIONS AND SERVICES PROVIDER 1,000 employees 15 offices 50 operating in over countries GLOBAL PRESENCE WITH LOCAL EXPERTS COMMITTED TO YOUR SUCCESS SEATTLE IRVINE TORONTO B OSTON N EW YORK EDINBURGH DUBLIN PARIS MADRID T UNIS R IGA L ONDON L UXEMBOURG H ONG KONG C HENNAI

5 01 YOUR TECHNOLOGY PARTNER OF CHOICE GLOBAL LEADER IN INVESTMENT MANAGEMENT, INSURANCE AND LENDING & LEASING TECHNOLOGIES More than 45 awards Our solutions are used by more than 63, 000 financial users worldwide An independent partner listed on Euronext since % revenue growth in 10 years 450 Buy Side institutions manage their operations every day with our technologies 10 of the top 30 Asset Management companies worldwide rely on us to manage their front office operations Our Buy Side solutions are used to manage US $2.5 Trillion assets globally 130 institutions in 35 countries use our Lending and Leasing solutions UNCOMPROMISING CLIENT FOCUS Over 75% of our clients have worked with us for over 5 years DRIVEN BY INNOVATION End-to-End platforms combined with advanced services to manage your entire value chain 51% increase in R&D investment over the last 3 years More than 35 % of our clients use our SaaS services

6 02 A WORD FROM THE PRESIDENT Each day, throughout the world, more than 63,000 finance professionals use our technologies to manage their business. Building on the genuine commitment of each of our thousand employees to serve our clients, the Group has evolved and expanded to become a respected global technology partner in the investment management, credit and insurance industries. Today, Linedata s aims are high. The Group will deliver growth and dynamism through its renewed ability to innovate, while retaining the qualities that have been its strengths to date: independence, sound fundamentals and international growth. We seek to achieve this through RISE, our multi-year, company-wide initiative that began in early RISE puts our clients at the heart of the Group s strategy and operations as part of an ongoing process of excellence and innovation. The initial successes of RISE have been encouraging, spurring us on to accelerate and redouble our efforts. Your satisfaction is the main focus of each of our business lines and is measured using a program based on the Net Promoter Score methodology. Online and mobile versions of our services are now a reality. Many of our clients, mainly in North America, have already adopted these platforms to differentiate themselves and win market share. Over the last 10 years, our research and development activities have been crowned with more than 45 prestigious prizes of global stature, such as the outstanding technology vendor accolade. Regular meetings such as user groups and Linedata Exchange events have ensured the involvement of the industry and our clients in our software strategy. New clients, principally in Latin America and Asia, have joined the Linedata user community. Some of the European top names in banking and finance have renewed and extended their commitment with our Organization in recent months, thereby strengthening our position as a technology leader in the financial services industry. As a responsive and proactive partner, we will be by your side for the long-term to meet your needs and support your success, both today and tomorrow. We invite you to learn more about our services via this brochure or our website ( Our teams, the real drivers of our growth, are also at your disposal: I would urge you to help them strengthen our dialogue with you. Anvaraly Jiva Founder & CEO

7 03 Each day, throughout the world, more than 63,000 finance professionals use our technologies to manage their business. We are committed for the long term, to help you accelerate your success. Anvaraly Jiva Founder & CEO

8 04 SOLUTIONS AT THE HEART OF YOUR BUSINESS The financial services industry is continually evolving. We work with you to help make your long-term vision a reality. LINEDATA OFFERS INTEGRATED, GLOBAL AND MODULAR PLATFORMS THAT COMBINE BEST-IN-CLASS SOFTWARE TECHNOLOGIES AND SERVICES Linedata provides global solutions for the financial services community in the areas of Investment Management, Insurance and Lending. We offer innovative solutions that focus on our value chain from the front and middle office to your compliance and back office needs. INVESTMENT MANAGEMENT Alternative Investment Institutional Asset Management Custodians and TPAs Wealth Management Insurance LENDING & LEASING Consumer Finance Commercial Lending Automotive Finance Equipment Finance Real Estate Finance Dealer Financing WE DON T JUST PROVIDE SOLUTIONS, WE OFFER A PARTNERSHIP Linedata is more than a simple software provider. As a partner, we seek to support you throughout the life and growth of your business. AN INCREASING RANGE OF SERVICES Service, more than just a word a culture. From implementation and advisory services to consulting, Linedata is an extension of your team providing you with all the services you need to implement and leverage our solutions. Did you know that each year Linedata is recognized as one of the best client servicing companies? Not only do we offer technology services such as SaaS, but we also provide business services to allow you to stay focused on your core activities.

9 05 OUR CLIENTS Linedata is an independent company whose growth and sustainability is centered on our clients and the long-term relationships we have built with them. For our employees, each client matters and is at the very heart of our business and strategy. Our aim is to be the technology partner of choice for each financial company we serve. Why not you? RISE is a multi-year corporate plan recently launched by Linedata. Placing the client at the heart of our strategy, RISE encompasses major client-centric initiatives implemented at the Group level and throughout our organization. As a result, one of the many exciting projects introduced is the launch of a new client portal, My Linedata (my.linedata.com), to provide improved levels of information and streamlined feedback on our services and products. LINEDATA: AT THE HEART OF THE INVESTMENT MANAGEMENT AND INSURANCE INDUSTRIES Investment management firms Linedata provides a range of solutions to manage all types of investment processes across a wide range of firms, including institutional portfolio and collective management companies, hedge funds, prime brokers, fund managers, fund administrators, transfer agents, and the subsidiaries of banks or independents. Insurance companies and mutuals, retirement funds and pension funds Beyond investment management processes, Linedata offers a unique European platform that manages all types of personal insurance contracts. LINEDATA: AT THE HEART OF THE LENDING & LEASING INDUSTRY Specialized lending & leasing providers and banks Universal banks, bank owned specialists, Corporate banks, Retail captives, Independent lessors, Industrialized captives, Automotive captive finance companies all those financial institutions are supported by Linedata s range of solutions that cover all consumer and corporate financing activities, from origination to termination, delivering the latest technology associated with a very strong professional services team. I see Linedata s distinguishing feature as being the team behind the technology. They strive to form partnerships and display a dedication to providing a customized solution. Generally speaking, everyone has capable technology but not everyone creates goodwill. That s the key ingredient when engaging a service provider long-term. Rob Binnington Manager of Operations and Marketing at Vertex One Asset Management

10 Anva An vara va ra alyy Jivva, a Chairm Cha irm man n of the e Ex E ecutiv ecu cutiv t eb Boar oard oar d Michael de Ver erte eui uil, l, Business Develo opme pment nt Deni De nis s Bl Bley ey, Admini Adm inistr strati ation on & Fina in nce LINEDATA IS A COMPANY GOVERNED BY AN EXECUTIVE BOARD AND A SUPERVISORY BOARD The Executive Board The members of the Executive Board are appointed by the Supervisory Board and perform general management functions. The Supervisory Board Jacques Bentz Vivien Levy-Garboua Linedata is a company governed by an Executive Board and a Supervisory Board. The members of the Supervisory Board are appointed by the shareholders general meeting and are eligible for re-election. The Board meets regularly as prescribed by law, including to review the annual and interim financial statements and to consider the Executive Board s quarterly reports. Chairman of the Supervisory Board Vice-Chairman of the Supervisory Board Lise Fauconnier Francis Rubaudo Member Member

11 07 OUR ORGANIZATION Daily challenges for Linedata include anticipating industry needs, improving our client satisfaction, ensuring the excellence of our solutions and services, and innovation. In order to optimize our solutions and services, Linedata has adopted a dynamic matrix organization, based on our clients business lines. A GLOBAL ORGANIZATION BY MAJOR CLIENT BUSINESS LINE Linedata has structured all of its activities across sales, product strategy, R&D, relationship management, support and other services, around three major lines of business. Each provides services and solutions that address the full value chain of its clients worldwide and combines local proximity with global expertise. INVESTMENT MANAGEMENT LENDING & LEASING INSURANCE GLOBAL STRATEGIC AND OPERATIONAL COORDINATION Our organization by Business Line relies on support functions at the group level: business development, strategy, finance, legal, client relations, marketing and communication, and R&D. These functions provide overview and support to the Business Lines. 1 Anvaraly Jiva, Chairman of the Executive Board 2 Mike de Verteuil, Business Development Director Denis Bley, Chief Financial Officer Patricia Regnault Fouqueray, Marketing, Communications & Client Management Director 5 Alfred Mesguich, Chief Technology Officer

12 08 INVESTMENT MANAGEMENT SOLUTIONS Consolidation and cost optimization, increased market and security complexities, regulation and compliance are key challenges faced by institutional and alternative asset management firms. Linedata has always, and continues to be, committed to supporting our clients needs, with global solutions that enhance workflows and operations. In order to support your growth we offer a scalable and comprehensive front-to-back office platform whose various components can be implemented in combination or as standalone solutions. The Linedata asset management platform is based on an open architecture that integrates easily with your existing infrastructure. We have developed a comprehensive partnership program that guarantees you the best of financial information technology combined with the flexibility you require. All of our technology is available as a deployed solution or in a hosted environment for a flexible and customized offering. With Linedata, you have a choice of tools and infrastructure, with the guarantee of security and scalability that your asset management business requires and deserves. We have extended our product range through strategic acquisitions, adding complementary technologies that integrate seamlessly with one another. This comprehensive offering for asset managers allows Linedata to offer the best technology, handling all institutional and alternative asset management workflows from pre-trade through post-settlement and administration.

13 09 INVESTMENT MANAGEMENT PLATFORM Financial intermediaries Administrators Custodians Prime brokers Record keepers Transfer agents MIDDLE OFFICE Position Keeping Investment Book of Records Post-trade Compliance FUND SERVICING Fund Accounting Tran ansfer Agency NAV and Unit Pricing Reporting PROFESSIONAL SERVICES AND ADVISORY Deployed or hosted IMPLEMENTATION SERVICES Advanced visualization capabilities SERVICE FOLLOW THE SUN SUPPORT CLIENT Scalable modular technology PORTFOLIO MANAGEMENT BUY-SIDE MANAGED SERVICES ORDER AND TRANSACTION MANAGEMENT PRE-TRADE COMPLIANCE TRAINING TRADING BROKER NEUTRAL PARTNERS Connectivity Brokers markets, ECNs, ATS, Stock exchanges, Dark pools, Algos, etc. FOCUS ON YOUR BUSINESS, OUR EXPERTS DO THE REST Since our inception, we have worked closely with buy side firms to understand their business critical workflows. As a result, through our Buy Side Managed Services, we have developed detailed knowledge and expertise across the range of services typically required by these organizations. As a firm seeking more efficient ways of serving your clients, Linedata works with you to offer new standards in delivering services and meeting those increasing demands. Linedata Buy Side Managed Services allows you to offload specific operations to our experts. Linedata assumes the on-going responsibility for monitoring, managing and/or problem resolution for selected systems and functions on your behalf. Linedata s Buy Side Managed Services help you meet your business goals while benefitting from a lower and predictable monthly cost.

14 10 INVESTMENT MANAGEMENT SOLUTIONS FRONT & MIDDLE OFFICE LEVERAGE THE POWER OF TECHNOLOGY As an investment manager, you need to leverage technology to drive investment performance, ensure compliance, monitor risk, reduce costs and streamline operations. Linedata Front Office Platform provides enhanced portfolio management tools, order management workflows, expanded execution management tools and analytics, streamlined allocation tools, advanced compliance monitoring, integrated portfolio analytics with performance measurement and flexible reporting. TAKE ADVANTAGE OF A SOLUTION BUILT FOR YOUR BUSINESS Linedata Front Office Platform streamlines the investment lifecycle with full multi-currency, multi-asset class and multi-site support. Innovative trading uses embedded partner algorithms through our Liquidity Alliance Program. Integrated with our fully managed Linedata Lynx service, we offer market access to 400+ global brokers and 50 partners (ATS, dark pools, broker algo s etc.). To simplify breach management, our integrated and award winning compliance engine supports what-if inquiries, multi-level breach overrides, breach assignment and four eyes review standards. Linedata has enhanced and complemented our advanced portfolio management tool kit with performance analytics through a strategic partnership with Stat-Pro Revolution, a cloud-based portfolio analysis system which offers performance and visual analysis in a hosted environment. Linedata is not simply a global technology provider, they go beyond by providing valueadded services, such as their reliable hosting platform, and the dedication and support necessary for our continued growth as a business. Graeme Llewellyn Operations and Chief Information Officer Portfolio Management Complex Modeling Rebalancing What-if Analysis Cash Management Performance Analytics Risk Monitoring Order Management & Trading Global Connectivty through Linedata Lynx Liquidity Alliance Partners Order and Execution Management Trader Performance (TCA) Commission Management Compliance Pre- and Post-Trade Paremeterized Rules As-of Compliance Automated Disclosure Monitoring Managed Services Reporting Daniel Burstein & John Kiley, Front & Middle Office Asset Management

15 11 BACK OFFICE HELPING YOU MEET YOUR FUND SERVICING CHALLENGES The engine that drives your business must be robust, secure and reliable but at the same time scalable, flexible and efficient. Ready well in advance of regulation yet capable of adapting to your changing commercial needs as you add funds, explore new markets and grow your business. It s a challenge that we at Linedata address every day. Our fund servicing solutions are designed, built, maintained and supported by over 150 experts around the world, including developers, qualified accountants, business analysts and systems specialists. ANY TYPE OF ORGANIZATION, ANYWHERE With clients from specialist, niche players to the world s largest asset managers and fund administrators, Linedata supports all sizes of firm and all types of fund servicing, from in-house to third party administration, from insurance firms to family offices, mutual funds to hedge funds. We are proud to work with over 160 clients in 23 countries around the world, providing local support and specialist knowledge wherever you are. We are very happy with how Linedata has performed over the past twelve years. New users have found the system easy to learn and the support back-up has been very good. Many of our contacts have not changed in both client support and consultancy. That continuity and Linedata s understanding of our business is a strength that is valued by Teachers Assurance. Nicola Neate Investment Administration Team Leader End-to-End Fund Administration Solutions Transaction processing Investment Book Of Records Multi GAAP fund accounting NAV / unit pricing calculation & validation Transfer agency & shareholder accounting Business process management tools Web reporting Market Data as a service Thierry Soret & Arnaud Allmang, Back Office Asset Management

16 12 INVESTMENT MANAGEMENT SOLUTIONS HEDGE FUNDS The Hedge Fund industry has grown steadily in the past five years to a size of approximately $2.7 Trillion. This growth has been accompanied by a maturing of the industry and while the entrepreneurial spirit of the industry has not dimmed, there are now more challenges facing emerging managers than ever. Linedata s hedge fund business line offers you software and services which assist hedge fund of all sizes in meeting the challenges of running a successful and efficient business, with a key focus on the need for accurate real-time portfolio management and compliance. LINEDATA GLOBAL HEDGE: COMPREHENSIVE, MODULAR, SCALABLE Integrated and flexible platform Take only the elements you need. Add functionality as required. From trading to corporate actions to master-feeder structures Linedata s innovative technology also takes in partnerships with recognized third party suppliers. Driven by innovation Innovation is central to our technology development. To meet the exacting demands of the industry our products have open APIs and intuitive front ends. We use the same technology shell for development across the board and focus on delivering solutions which are easy to use and to manage, enabling clients to do as much or as little work themselves as they wish. Gary Brackenridge & Sally Crane, Hedge Funds Multi-Award Solution We are proud to have been recognized with several awards from independent industry experts: Best Fund Accounting Software (2015) Best Portfolio Management Software (2015 and 2014) Best Technology Firm-Client Service (2013) Best Fund Accounting & Reporting System (2012). Investor-ready Proven solutions from an established provider with excellent credentials. LINEDATA GLOBAL HEDGE COMPREHENSIVE FUNCTIONALITY AND EXTENSIVE SERVICES BROKERS LINEDATA LINKS ETC. TRADE MATCHING PRIME BROKERS ADMINISTRATORS RECONCILIATION INVESTORS AND REGULATORS APIs, INTERFACING, CONNECTIVITY TRADING AND ORDER MANAGEMENT PORTFOLIO MANAGEMENT AND MIDDLE OFFICE INVESTOR ACCOUNTING PRE AND POST-TRADE COMPLIANCE RISK ANALYTICS REPORTING SERVICE ELEMENTS, HOSTING, MANAGED SERVICES, CONSULTING, REGULATION MONITORING AND SUPPORT

17 13 OUR STRATEGY FOR INVESTMENT MANAGEMENT EXPERTISE, PARTNERSHIP AND INVESTMENT EVERY DAY, EVERYWHERE Each day, our clients manage billions of dollars in global transactions. Each day, Linedata solutions support our clients growth, while helping them achieve their goals. We deliver technology which is adaptable to market needs, whether you are an asset manager expanding into alternatives, an insurance company addressing regulatory changes or an administrator acquiring new clients. A COMMITMENT TO PARTNERSHIP Our goal is to be the preferred technology partner for the global investment management industry. As experts in all aspects of investment management technology, both on a regional and global level, we offer a tailor-made solution through our multi-asset end-to-end platform combining recognized best-in-class systems with comprehensive professional services and a flexible, modular approach. As your partner we offer you choices in functional coverage, geography and delivery. OUR STRATEGY We recognize that the financial markets are growing in complexity and changing faster than ever. Our response is to draw on the specialized expertise for each area we cover, and to continuously invest in our suite of systems and services in a consistent manner: Front office: Further invest in the development of our next generation Front Office platform offering portfolio management, trading and compliance tools to help increase operational efficiencies and reduce risk Leverage client Focus Groups and Advisory Boards to ensure we deliver the technology and services required for them to remain competitive Back Office: Continue to invest in and develop our highly acclaimed fund accounting, transfer agency and reporting solutions around the globe, adapting to market needs and regulatory requirements Focus on development of tools and services which aid efficiency, promote automation and reduce operational risk Hedge Funds: Use the considerable success of Linedata Global Hedge as a basis to strengthen our position in the hedge fund market and expand our range of services to meet growing market needs Leverage our strong front office capabilities to support the growing alternatives markets across the globe Partnership: Further develop partnerships across our Investment Management business to offer comprehensive technology packages and choice of delivery methods Technology continues to advance in the area of hosting; Linedata is actively expanding our significant SaaS offering with turnkey services in areas such as compliance, reporting and data.

18 14 INVESTMENT MANAGEMENT SOLUTIONS PERSONAL INSURANCE The market for personal insurance is extremely competitive. In order to optimize your costs while remaining proactive and flexible, it is vital to strengthen your technological and functional infrastructures, whether you are an insurer, retirement savings provider or intermediary. With a deep understanding of your challenges and over 15 years experience in your sector, Linedata can support your growth with Linedata Master I. LINEDATA MASTER I, THE BENCHMARK SOLUTION FOR INSURANCE PROFESSIONALS Linedata Master I is a unique solution for all the portfolio management processes of individual and collective savings contracts for insurance and pensions. Modular, flexible and integrated, Linedata Master I is ideal for medium-sized and large companies seeking performance, flexibility and scalability with optimal coverage of their existing and future products. With Linedata Master I, you can bring your new products to market within a few days while complying with your standard IT and administrative processes. A COMPREHENSIVE SOLUTION FOR THE LIFE INSURANCE, PERSONAL PROTECTION AND RETIREMENT SAVINGS INDUSTRIES SAVINGS ANNUITIES CASH SAVINGS INDIVIDUAL AND GROUP PENSIONS LINEDATA MASTER I ENDOWMENTS INDIVIDUAL PERSONAL PROTECTION WHOLE LIFE MORTGAGE INSURANCE

19 15 LENDING & LEASING SOLUTIONS Bill Hughes, Lending and Leasing, North America Al lain Mattei, Lending & Leasing and Insurance, Europe THE NEW NORMAL: OPPORTUNITIES AND BIG CHALLENGES TO UNDERTAKE Financial conditions and recent analyst surveys show that growth is back in the lending & leasing industry, but it is still not the environment that we knew before the 2008 financial crisis. Regulatory pressures, client behavior, and stricter governance have all changed the banking environment. In this new normal environment, lending and leasing professionals are facing increasing challenges and opportunities. If regulation remains the top challenge, there are two other concerns that demonstrate how the market has reached an important milestone: 1) Increasing attention to client relationship management and 2) Developing new offerings and services. IT priorities also need to be more focused on business development, while streamlining processes and mastering risk. Origination & Front Office platforms, Portfolio, Risk Management and Business Intelligence tools will be the major investments for financial institutions in the coming years. HOW LINEDATA SUPPORTS YOUR INNOVATION AND GROWTH Linedata offers a comprehensive range of solutions that covers all consumer and corporate financing activities, from origination to servicing and termination, delivering in-depth expertise in the financing businesses as well as the latest technology. Linedata is a global recognized leader in the lending and leasing industry, assisting financial institutions with the development of their business worldwide. With over 450 professionals focused on lending and leasing, Linedata serves more than 130 institutions in Europe, Africa, Americas and Asia.

20 16 LENDING & LEASING SOLUTIONS STREAMLINE OPERATIONS ACROSS PRODUCTS AND LINES OF BUSINESS CONSUMER FINANCE & COMMERCIAL LENDING, ALIGNING REGULATORY BURDEN, OPERATIONAL RISK AND DIGITAL OPPORTUNITIES With the upheaval in banking and lending over the last several years, it has never been more critical for lending operations to be efficient. Increasing competition and regulation demand better processes, systems, controls and information. Banks with the right policies that efficiently manage their operations and portfolios are not only surviving, they are outperforming their competitors. From origination through servicing and portfolio management, the industry is moving to one straight-through-process and platform. Leading banks are also integrating origination with CRM, document generation, imaging, credit, collateral, financial statement and covenant monitoring. The changes imposed by laws, the client expectations and the continually evolving market drive the industry to innovate and add value and customization to their offerings. The use of digital tools is a great opportunity for client credit professionals to enhance their client experience through mobile applications both for internal teams and retail partners, digital signature and document management, and shorter authorization processes. Linedata provides the lending & leasing business automation platform allowing finance organizations to gain operational efficiencies and control risk throughout the approval and ongoing management during the loan and lease lifecycle. Thanks to the extent of Linedata solutions, you can offer tailored lending solutions, including traditional lending, revolving credit, and purchase of receivables (consolidation). AUTOMOTIVE FINANCE, MASTERING COMPLEXITY The financing channels of the automotive dealer network have reached an unprecedented level of complexity for carmakers and their captive subsidiaries which are playing the role of banker to authorized dealers. This is a constraint for manufacturers, captives and dealer networks, but may also become an opportunity on the condition that all financing and management issues are addressed at an overall level and designed around integrated software packages which combine retail and wholesale channels with account management. Linedata offers a comprehensive end-to-end solution, supporting direct and indirect lending, addressing the key tenets of an auto finance business: origination, servicing and collections through a single, integrated platform with solutions for all consumer and dealer financing activities. EQUIPMENT FINANCE, CREATING ADDED VALUE Many players in the leasing sector have come to the same conclusion: knowing their clients better and controlling the products they sell will be the growth drivers of tomorrow. Consequently, all growth initiatives must integrate the following: A detailed analysis of the best-performing segments: client knowledge, distribution circuits, and products and services sold Optimization of client risk management Value creation by improving the quality of services provided Linedata offers a comprehensive end-to-end solution allowing you to offer to your clients financing products adapted to their needs, including asset finance, financial lease, full service rental, fleet management and services contracts.

21 17 INCREASE OPERATIONAL EFFICIENCY AND GROW YOUR BUSINESS We provide a Best-in-Class software suite for lending and leasing professionals that offers a seamless platform for all distribution and management activities of leases and loans from the first client contact to contract termination. This suite includes the following features: Manage all your contract acquisition cycles with cross channels capability (point of sale, phone call, web front end, and mobile applications) Streamline and secure your contract process with an embedded decision-making system Optimize your contract administration and after-sales operations Complies with all the market regulations: Dodd-Frank Act, CFPB, FASB, FATCA, Basel III, SEPA Part II, FCA, and Lease Accounting Reform COMPLETE LIFECYCLE MANAGEMENT OF ALL RETAIL AND COMMERCIAL FINANCING CONSUMER FINANCE INDIVIDUALS AUTOMOTIVE FINANCE FRONT TO BACK REAL ESTATE FINANCE COMMERCIAL LENDING DEALER FINANCING EQUIPMENT FINANCE BUSINESSES

22 18 LENDING & LEASING SOLUTIONS AUTOMATE MULTIPLE LINES OF BUSINESS STATE-OF-THE ART TECHNOLOGY TO MEET YOUR BUSINESS CHALLENGES Our software offering is based on SOA architecture and organized around our client s business lines: Consumer Finance, Commercial Lending, Automotive Finance, Equipment Finance, Real Estate Finance, and Dealer Financing. This enables us to position our offer in a market where information systems require more interoperability and scalability. Our platform has been built to support millions of contracts and thousands of concurrent users. We are also able to manage your processing environment with our SaaS offering. LINEDATA, A TEAM OF EXPERTS WORKING FOR YOU Our teams are dedicated to helping you meet your business requirements while significantly reducing your total cost of ownership, optimizing your time-to-market and supporting your specific product offerings. We adapt our support to your company s needs and leave it to you to decide the level of assistance you wish to receive: functional and technical support or full integration of our software solution into your architecture.

23 19 BEST IN CLASS PLATFORM LINEDATA EKIP 360 Linedata Ekip 360 is a global front, middle and back office software solution for the lending and leasing industry that offers full life-cycle administration for all types of businesses, including Consumer Finance, Automotive Finance, Equipment Finance, and Real Estate Finance. It has full multi-company, multi-lingual, multi-currency facilities with country specific fiscal and legal compliance. Linedata Ekip 360 delivers intuitive and powerful rich web user interfaces which can be personalized by pure configuration: pages grouping multi-tab business information, 360 view on business objects, contextual widgets of possible actions, ongoing workflow actions. LINEDATA PROFINANCE Linedata Profinance is a comprehensive wholesale Dealer Financing management system offering a global solution for dealer funding facilities. Designed by professionals from the automotive finance industry, this solution manages international wholesale operations and is highly configurable to support a wide range of financial products and plans including traditional inventory finance (floor plan facilities), dealer loans, advance commission, overdrafts, factoring and spare parts finance. Our financing activities for customers and dealers are managed with a single tool: Linedata Ekip 360. We manage 70,000 customer contacts, 25,000 new contracts per year and our network includes 300 points of sale and about 1,000 vendors. Linedata Ekip 360 has contributed to an increase in our financing market share in Toyota sales and to an improvement of our dealers satisfaction. It offers higher reactivity to the end customer because the tool allows to obtain an immediate answer from the dealer in most cases. David Schotkosky Director of Operations We chose Linedata Ekip to create and manage our new Equipment Leasing contracts. This project was completed in a few months which is an excellent performance in terms of software project implementation in the leasing sector. We particularly appreciated the robustness and the reliability of the software, as well as the support provided by the expert Linedata teams. Olivier Prot Managing Director

24 20 LENDING & LEASING SOLUTIONS LINEDATA CAPITALSTREAM The Linedata Capitalstream lease and loan origination and risk management platform automates disparate, paper-based, and high-touch operations into a fully integrated, straight-through processing front office solution. It allows finance organizations to gain operational efficiencies and control risk during the approval and on-going management all along the loan and lease lifecycle. Linedata Capitalstream provides the business and risk intelligence and process optimization that credit teams need to manage risk, ensure compliance, streamline product delivery, and grow customer relationships. LINEDATA UNILOAN Linedata Uniloan manages complex structured finance projects, as well as a large range of credit products including cash loans, loans to local authorities and trade receivables. Its modular structure covers a variety of financing arrangements including repayment, roll-over, and revolving and multi-currency mechanisms. Collateral and guarantee management features are also available. Implementing Capitalstream has allowed us to standardize our commercial loan origination process by streamlining the steps and eliminating redundant data entry throughout that process. We have also significantly reduced our renewal processing time with the Capitalstream system in place. Our monitoring process used to be difficult as the information was housed on several different systems. We have currently migrated all monitoring to Capitalstream allowing for reporting, monitoring and data consistency. Mary Ellen Comella Director of Credit Management Configurability of the system by bank staff was a critical requirement for the selected platform, and where Linedata Capitalstream differentiated itself from the competition. We now have a single system to handle the underwriting, approval and monitoring of standard and complex loans. Neal O Hurley Senior Vice President Commercial Real Estate

25 21 OUR STRATEGY FOR LENDING AND LEASING MORE THAN A PROVIDER, WE ARE A LONG-TERM PARTNER OF OUR CLIENTS Our mission is to be a strong partner for all lending and leasing institutions supporting their innovation and growth with end-to-end comprehensive platforms and high-level services. We have three top commitments: Ensure a constant and long-term investment into our technology to: Offer state-of-the art platforms (SOA architecture, rich web interfaces, mobile application) Enrich our core systems with more tools to help our clients make the right decisions and enhance their customer experience (Data sets, Business Intelligence tools, digital documents, e-signature) Provide guidance to our clients with the best experts in the areas of business that we currently cover: Consumer Finance, Commercial Lending, Automotive Finance, Equipment Finance, Real Estate Finance, and Dealer Financing Accelerate our global presence in the coming years. Next steps include: Increased local presence to support global deployments Extend product availability to support geography specific needs Expand our existing leasing and commercial lending activity and develop our presence in the car finance industry in North America Quickly grow our market share in Latin America based upon recent successful implementations Enlarge our current leadership in Northern European countries and penetrate the commercial lending market Develop our current client base in automotive and consumer finance to other countries and other types of financing in Asia

26 22 HELPING OUR CLIENTS GROW AND THRIVE While financial institutions continue to meet new challenges in their business, they are also faced with demands for greater transparency from existing clients, optimizing returns on investment and adapting to everchanging regulation. Scalable technology platforms will manage growth, meet complex client requests and manage necessary and rapid changes all while discovering efficiency and effectiveness in their operations. Working with Linedata Professional Services teams will help you further maximize your operations, increase client satisfaction and gain a competitive edge. Our collaborative approach, industry expertise and technical and functional understanding of the Linedata platforms will help you optimize the effectiveness of your technology infrastructure. Our Professional Services group has extensive experience acting as both a system integrator and technology provider, delivering the best of both worlds with a single partner to meet your business challenges head on with the right solution and the right processes. Linedata Professional Services offers a full range of services, supporting our clients in a wide variety of ways, from simple product training to fully hosted, managed solutions, as required: Implementation Services Comprehensive services to optimize implementation of Linedata solutions. Maximize operating efficiencies. Managed approach includes Project Management, Business Analysis, Technical Upgrade and System Testing & Configuration. Hosting and SaaS Eliminate upfront capital expenditure. Reduce recurring operational costs. Technology infrastructure and operation support. Training Services Maximize the benefits of Linedata s broad range of comprehensive solutions. Educational programs for improving efficiencies. Flexible and diverse training programs to meet specific business needs. Client Support Global support through local, regional experts. Expertise from subject matter experts in specific industry fields to highly-experienced technical engineers. Efficient resolutions with focus on effective communications. Professional Services Leverages Linedata technology and defines business and IT strategies. Advisory Services designed for clients to leverage technology and improve daily business. Application Development Services analyze business processes and address custom development needs.

27 23 INNOVATING TOGETHER FOR YOUR GROWTH Linedata recognizes that in today s rapidly evolving technology and business landscape, our clients must innovate to survive. Rapidly rolling out new products, changing business processes, supporting new channels and client interactions, adapting to regulatory changes: these are just a few of the opportunities to differentiate. To do that, you need your technology to enable such innovations, not be something you have to work around. Linedata uses agile development processes to ensure that we can rapidly expand our product offerings to match the evolving technology landscape as well as your business needs. This agile approach means that we can react quickly to your new requirements. It also facilitates our own innovation, as the model provides time for developers and product managers to prototype and try out new ideas as part of each release. Everyone at Linedata is encouraged to innovate in all areas from products and business models to processes. We have programs in place to recognize and reward innovation throughout the organization. We are very proud to have won 45 awards over the last 10 years. Recently recognized for the Best Disruptive Technology and as the Outstanding Technology Vendor by two major financial publications, year after year we demonstrate our capacity to innovate in terms of technology and services. These awards also constitute a strong recognition of our ongoing commitment to anticipate market evolutions and to support the growth of the financial services industry. We know that you do not rest on your laurels so nor do we. Some of our best ideas come directly from our clients and we encourage them through our client engagement program to identify what creates the most impact for them. Join one of our programs now: let us be your innovation partner too. INFORMATION SECURITY We take Information Security very seriously. With a never ending spate of attacks on companies all around the world, Linedata understands how important it is to keep data secure. Our comprehensive approach to data security and compliance with global privacy regulations makes Linedata the ideal partner to trust with your mission critical applications and confidential data. Our approach to security includes a robust global information security program based upon international standards such as the ISO27001 framework and Directive 95 requirements, as well as SSAE16 auditing standards. Please feel free to contact us to enquire further about Linedata Information Security capabilities US TECHNOLOGY AWARDS WINNER

28 24 I CLIENT ENGAGEMENT PROGRAM At Linedata, clients are integral to our development process. We work closely with our clients to ensure their voices are heard and taken into account. Beyond our formal client satisfaction program, we regularly organize online and in-person events to meet with clients to share information and ideas with them. These meetings are often in the form of users groups, advisory boards and Linedata Exchanges, etc. OUR LINEDATA EXCHANGE PROGRAM Linedata Exchange is an annual series of events designed to encourage a rich dialogue between you, your peers and Linedata while offering you the opportunity to listen to leading industry experts delivering expert commentary and content on the subjects that matter most to you. Launched in 2010, this global series of events has been attended each year by over 900 industry participants in Paris, London, North America and Asia. There is always a Linedata Exchange session near you; visit our dedicated website to see the program and register: We look forward to welcoming you to your local Linedata Exchange! LINEDATA Exchange A GLOBAL EVENT BUILDING YOUR FUTURE

29 SOME CLIENTS LINEDATA IS PROUD TO WORK WITH PRESTIGIOUS CLIENTS FROM AROUND THE GLOBE, INCLUDING:

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