Simply better banking

How does a bank make the right impression on customers? Did you know that Xerox: Processed 1 billion card transactions in 2012 Hosts 1 billion mortgage loan images Processes 800 million checks annually Processes 54 million consumer loan payments annually Processes 12 million credit card applications annually Imagine if you could open accounts or process loan applications error-free within hours rather than days, irrespective of how volumes fluctuate. Imagine if your marketing, customer service and operations teams could easily reach out through multiple channels and do so in an integrated and consistent way. Throughout the customer lifecycle, from acquisition through onboarding to day-to-day servicing and relationship management, so many process elements can make or break the banking experience. So too can the many enterprise processes that critically support your customer lifecycle activities. Find out why banks around the world turn to Xerox to make banking simply better.

Stand out from the start With the support of Xerox solutions and services, banks find that they can spend less time and energy on marketing logistics for customer acquisition and more on marketing. With the logistics handled smoothly and efficiently by Xerox, they can concentrate on promoting their brands, products and services to the right prospects in the right way with the right messages. We ll not only free up the time of your marketing departments, we ll save you significantly across the marketing supply chain budget you can invest in more strategic marketing and sales activities. Five reasons to trust Xerox A major UK banking group appointed Xerox as its single provider of marketing support because we give them: Unprecedented visibility and control of marketing processes and spend A highly scalable service across multiple lines of business Fast, efficient service that avoids waste 40% cost savings An innovation track to look at new channels and personalization Make a difference with: Better brand control: through streamlined artwork, asset management, print and distribution Consistent targeted messages: through version control and workflow automation Extensive reach: through multi-channel, multi-touch campaign management Improved quality and reduced costs: through a full range of language services Better response rates: through integrated communications and campaign personalization

Never disappoint a new customer We help banking businesses shorten the time it takes to make an applicant a customer. For you this translates into a faster, smoother experience for new customers, an ability to grow your business without compromising the customer experience, and cost savings from improved efficiencies. Make a difference with: Consistent customer experience: through standardized business process across channels Reduced compliance risk: through improved data accuracy and chain of custody for regulated documents Faster time to assets under management: rapid onboarding through workflow automation and process integration Smoother customer interactions: through coordinated production and distribution of onboarding materials such as letters and welcome packs Five reasons to trust Xerox A global wealth management leader turned to Xerox to improve its slow, error-prone paper-based process for new account applications. Now it s experiencing: Application scanning and arrival in work queues within 15-36 seconds on average More than 90% reduction in error rate and in processing time (from 3 days to under 2 hours) $500,000 annual savings on operational costs Significant additional annual float revenue Improved client service and office productivity

Deliver more responsive service, retain more customers It s a simple equation: respond to customers quickly and efficiently, communicate with them clearly and personally, and they ll be more likely to stay with you and send more business your way. Through a range of contact-center services and technology platforms for transaction processing and collection support, we re improving the daily interactions of banking businesses with their customers. Through a range of communication and marketing services we re helping banks embrace e-presentment and digital communication channels, and use customer data to personalize and cross-sell through transactional communications such as statements. Make a difference with: More satisfied customers: through joined-up services across multiple channels Faster response times: through integrated inbound and outbound customer communications management Cross-selling opportunities: through communication personalization Efficiencies that free up budget: through automation of standard communication processes Five reasons to trust Xerox Customer service at a French financial services firm was held back by disparate business processes inherited through acquisitions. Xerox has enabled the company to: Digitize and analyze 15.5 million incoming pieces of correspondence annually Process customer requests in three days, irrespective of business division Give all customer service agents access to a CRM-integrated document repository Make cost savings of more than 20% Control lead times

Streamline the back office Financial services businesses turn to Xerox to help drive down processing costs while preparing for long term business transformation. From transaction processing, loan modification, account maintenance, receivables and check processing as well as default management, Xerox provides adaptable, innovative solutions that can help you improve margins, manage compliance and transform for the future. In the days of many financial services organizations being rich with data but often poor with information Xerox brings scalable resources in the form of portals and dashboards, new classification techniques and advanced analytics that aggregate and model data to help gain a better understanding of customers, accounts and transactions. Make a difference with: Segmentation and clustering analytics applications to improve operational performance and business activity monitoring Standardized processes to make workflow smarter and more rules driven Improved risk management by adding another layer of transparency, governance and reporting across customer communication and transactions Ability to control costs with agility and scalability for fluctuating volumes Transforming the way paper based transactions in branches or the office are accepted and processed Five reasons to trust Xerox A regional US retail bank turned to Xerox to help the bank achieve its initiative to reduce operating expenses. We delivered with: Reduced courier expense by 50% Reduced processing cycle time of branch documents by more than 24 hours Enabled collaboration between branch and back office for exceptions Improved auditability and reporting of branch documents Eliminated the back-end scanning of document for archive

Give better support to your business Just as we can help you improve processes that are at the core of your products and services, so we can simplify and streamline many of your enterprise support functions. Banks turn to Xerox for a range of managed services when they want to realize efficiencies, cost savings and compliance improvements in their must do cross-business processes.

Human Resources: driving performance through people From health and productivity programs to benefits administration, from learning services to payroll, we re improving the experience of HR for 12 million employees and pensioners worldwide. Our delivery network combines global capabilities with localized expertise and regulatory knowledge. For you this translates into cost savings from economies of scale, improved compliance in HR, and superior employee services as a result of consistent application of HR best practice. 2nd largest pensions and benefits administrator globally 3 million+ learners supported 72 countries served 22 major HR service centers 23 languages supported

Finance and Accounting: streamlining transactions, supporting decisions More than 250 clients look to us to supplement their in-house finance and accounting teams and improve the quality and efficiency of their F&A processes. We bring you more than 15 years of experience adding value to transactional functions such as procure-to-pay and order-to-cash; and to decision support functions such as treasury and payroll, accounting closing and reporting, and financial planning and analysis. We handle billions of transactions globally on behalf of our clients, who benefit from our knowledge of local regulatory and statutory processing requirements and our in-depth understanding of their industry. $35 billion in fixed assets managed 15,000 account reconciliations handled monthly 105,000 sales and tax returns filed annually Payroll processed for nearly 1 million employees in 12 countries 500,000 vendors and 218 banks dealt with

Information Technology: enabling better ways of working If you re spending too much of your IT budgets just keeping the lights on or firefighting, rather than innovating and supporting new ways of working, we can help. Take advantage of our 25 years of experience in streamlining IT operations, managing IT risk and aligning IT with business objectives. We can deliver all or part of your IT infrastructure requirements as a service, enabling you to free resource for more strategic uses; or we can give you specific advice or support as a consultant or technology supplier. Our services include: IT consulting IT outsourcing Application services Technology solutions

Managed Print Services: improving productivity and sustainability With documents driving so many banking transactions and decisions for both core and support functions, it s little wonder that banks want to be more efficient in their production and use of documents. It s not just about cutting costs, but about enhancing productivity, improving information security and achieving environmental goals. Whether you want to be able to print more efficiently, eliminate unnecessary printing or prepare your business for paperless documentcentric processes, we can help. 1,000s of business print environments managed More than 50 countries served Print-related savings of up to 30% delivered Waste and energy use cut

Strengthening the heart of banking, improving the financial wellbeing of your customers. Throughout the customer lifecycle Xerox is helping banking businesses realize efficiencies, personalize communications and interactions, and improve regulatory compliance. All of which lets them focus on attracting new customers, growing revenue with existing customers, and delivering the products and services that secure their customers financial wellbeing and peace of mind simply better.