Brief_Introduction_to_TEMENOS

GLOBAL FINANCE

Athens 28 June 2006

George Koukis Chairman TEMENOS

Topics

Brief Introduction to TEMENOS Worldwide Trends Experiences with VC’s and Investors Global Finance

TEMENOS

Brief Introduction to TEMENOS

Genesis

19845 Citibankers decided to build «the best banking system in the world »

1988Deployed First version of GLOBUS

1991Sold the Company to COS AG

1993 November 16 Sold Company to CTW; 1st VC; Renamed TEMENOS4

History and development

A vision transformed into the leading provider of banking software systems…

1993

2006 Listed on SWX in 2001 Acquired TCB for Retail Banking in 2001 Launched T24 in 2004

TEMENOS founded

Investment in R&D: 3’000 man years (+300 million USD)1993 Key Statistics 2 Offices 34 Employees 19 Banks USD 0.25m revenues 2006 June Key Statistics 39 Offices 1500+ Employees 520+ Banks in 112 countries USD 210m Revenues

http://www.77cn.com.cn

Leading Providers of Core Banking System by Number of Live ClientsFiserv Metavante Temenos Fidelity Inf ormation Services / Sanchez Misys Jack Henry iFlex Open Solutions ERI SAP Alnova CSC Inf osys System Access Kordoba Polaris Financial Objects 0 92 91 68 55 45 31 10 6 100 200 300 400 500 600 700 800 900 1000 136 272 245 348 421 411 520 505 3620

# of clie nts

Source : Celent Communications 2006

Client Growth & Credibility with Top Tier Banks

Number of Clients600 505 500 437 400 365 382

300 212 200 114 100 47 21 0 71 86 154 176

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68 New Client Additions in 2005HSBC Lehman Brothers Sumitomo Trust Companie Monégasque de Banque Financiera Compartamos Royal Bank of Trinidad and Tobago Caja Libertad Zenith Bank The Bank of East Asia Arab Turkish Bank Military Commercial Joint Stock Bank South East Asia Bank Plus a number of other deals that cannot be disclosed by name.

20

05

Global Reach

TEMENOS operates from 39 offices in 31 countries

New York(1)

Amsterdam

LONDON HEMEL HEMPSTEAD

Copenhagen Warsaw Moscow Seoul

Dublin Luxembourg ParisGENEVA(1) MADRID

Zurich Tehran Beirut Riyadh Dubai Bangkok

Orlando Athens Miami Mexico City

Quito

MumbaiCHENNAI

Beijing Seoul Tokyo Shanghai Hong Kong Taipei Manila Kuala Lumpur Singapore Jakarta

Ho Chi Minh City Johannesburg

R&D CENTRES (1) 2 Offices

Business Model

Initial Licence Fees; we leverage a largely fixed cost infrastructure through licensing our products Recurring Maintenance; we charge minimum 5 years committed maintenance at a standard rate of 21 per cent. of ILF. This gives access to yearly updates to the latest versions and 24/7 helpdesk support Consultancy Services; we support our client to implement our products. We target consultancy services to be between 30% and 35% of total revenues

Professional Services

Parameters and utilities

Client specific developmentsRegional PlatformOur initial commitment

Initi

al licence fee

T24 TCB eMergeDatabaseOur recurring commitment

Maintenance

Business Model

Initial Licence Fees; we leverage a largely fixed cost infrastructure through licensing our products Recurring Maintenance; we charge minimum 5 years committed maintenance at a standard rate of 21 per cent. of ILF. This gives access to yearly updates to the latest versions and 24/7 helpdesk support Consultancy Services; we support our client to implement our products. We target consultancy services to be between 30% and 35% of total revenues

Professional Services

Parameters and utilities

Client specific developmentsRegional PlatformOur initial commitment

Initial licence fee

T24 TCB New Version eMergeDatabaseOur recurring commitment

Maintenance

Business agility through fast time to marketEnable Growth

Faster deployment of new products, services and processes enables the modern financial institution to react to and keep ahead of today’s competitive market

22,000 product design parameters End user, not IT Product innovations from over 100 countries incorporated in each annual release of the system Immediate deployment of new products subject to security and authority

√ √

8,000 users 391 branches 12.5 million accounts Released 163 new products 3 months after going live Slashed time-to-market for new services from 90 days to 3

“ Temenos offers the best of both worlds: functional richness combined with the flexibility of its data model and component-based architecture.”Sir Jai-Hoa, General Manager11

Broad Functional Coverage

Enable Growth

Temenos are the only supplier to cover a full range of banking and investment support in a single, integrated system

Web

Call Centre

Mobile

Branch

IVR

Other systems

BPEL engines

Browser Open Financial Service (OFS) – Web Services - SOA Version Presentation Security Management System Process Workflow Service bus Enquiry

Components

Customer Relationship Management

Retail

Brokerage, Wealth Mgt., Private Banking

Treasury & Capital Markets

“We needed a banking system that would enable us to control the distribution and flow of data within our bank. With T24 we have all our data centralised which eliminates manual intervention and actively assists compliance. This means a decrease in operational costs and increased efficiency.”

Corporate &Wholesale Banking

General Support

Tomas Arrieta Alberdi,Foreign Branches Area Manager , Banco Sabadell

OLTP Data Store

OLAP Data Store (Data Warehouse)

Broad Geographic CoverageEnable Growth

A supplier who understands global banking can help its clients expand and can bring them experience from around the world

Temenos support systems running in 110 countries with 39 offices Temenos team of 48 nationalities speaking 64 languages 18 clients operate Temenos systems in multiple countries T24 is the only system that can support 24/7 global operations in a single, re

al-time instance

√ √ √

450 users Largest independent private bank in Switzerland Upgraded from 1 country to 10 Single, efficient IT hub 12 years of system upgrades

New York(1)

Amsterdam

LONDON HEMEL HEMPSTEAD

Copenhagen Warsaw Moscow Seoul

Dublin Luxembourg ParisGENEVA(1) MADRID

Zurich Tehran Beirut Riyadh Dubai Bangkok

Orlando Athens Miami Mexico City

Quito

MumbaiCHENNAI

Beijing Seoul Tokyo Shanghai Hong Kong Taipei Manila Kuala Lumpur Singapore Jakarta

“Because we have had a reliable infrastructure that provides advanced functionality since our inception, we have devoted few resources to fixing problems and have been able to focus on serving our customers and growing our business. Ian Cookson, Head of Technology, EFG Bank Group13

Ho Chi Minh City Johannesburg

R&D CENTRES (1) 2 Offices

Cross SellingEnable Growth

It is four times more expensive to sell a product to a new client than an existing one.

On-line cross selling propensity engine Integrated campaign management Product innovations from over 100 countries incorporated in each annual release of the system Immediate deployment of new products subject to security and authority

√√

4th largest retail bank in Spain 3,800 branches 6.5 million customers Products per customer increased from 1.1 to 3.2 Deposits increase 75%

“We are committed to keeping our members institutions at the leading edge of banking systems technology.”Carlos Moradell, CEO, RSI

Reduced infrastructure through single, integrated system

Balance Cost

Temenos systems offer a broad functional coverage that can replace a wide range of legacy systems in a single, low cost and integrated environment

√

800 users Retail, Corporate, Treasury and Islamic Banking Rationalised applications from 107 to 7

“With such a complex network of systems, we knew that we needed a single 24/7 core application to support our retail, corporate treasury and Islamic banking needs. By implementing T24, we can now offer products that comply with Islamic law and have already exceeded our target for carrying out securities trading four-fold.” CEO, Saudi Hollandi Bank15

Proven implementation methodology

Control Risk

An methodology built upon over 400 successful projects minimises implementation risk and ensures projects that deliver their value as early as possible

Programme/Project ManagementCore GAP Dev’

GAP Definition

Local Dev(*1)

Analysis & Build Local Dev Business Process Re-Engineering Data Migration UAT Roll Out

“I am very proud of the level of professionalism Temenos has shown during the implementation. Armed with a solid implementation methodology and supported by a team of skilled and enthusiastic consultants, Temenos was able to fulfil its commitments towards Finance House and implement T24 on time and on budget, which is not a very common practice in the market. Mohammad Wassim Khayata, SVP strategic planning and Development,Fina

nce House

Change Management

Risk Control

System Integration

Stable supplier

Temenos is one of the most professionally managed companies in Switzerland.Control Risk

Board of Directors2 Executives and 4 Non Executives Strong Independent Board with Banking and Software experience

Novartis Credit Suisse Group Geberit Ciba Specialty Chemicals TEMENOS Group

99.1 96.0 94.1 90.2 84.7

Executive BoardExperienced and Dynamic Team, Responsible for Strategy implementation and day to day management

Executive Regional Management4 Regions Focusing on Operations and Client Relationships

N°5 in Switzerland Corporate Governance Quotient: 84.7 – Institutional Shareholder Services 2004 TRANSPARENCY(1) 95% - 100% compliant with SWX Directive on Corporate Governance BEST PRACTICE(1) Top 15 – compliance with ethos. Corporate Rating 2004

(1) Study published by the ethos.Foundation on the 100 largest Swiss companies (www.ethosfund.ch; November 2004)17

Competition

Major players by segmentVendorTEMENOS

ProductsT24 TCB Flexcube

Retail

Private

Wholesale Universal

I-FlexMisys Infosys Fidelity SAP

Equation, Midas, Bankmaster Finacle Corebank, Systematics Corebanking

Source: IBS Market Report; Roland Berger

Position in the Market

IBS League TableNew name customers signed in 2005

Supplier

Product

Customers

Live sites

i-flex Solutions Flexcube TEMENOS Misys R-Style T24/TCB Summit RS-Bank

38 34 17 16 15 13 9 5 4 3

170 478 110 370 27 88 646+ 176 35 110

200+ 645 200+ 370 16 72 924+ 190 28 130

For the last eight years, TEMENOS has been ranked either #1 or #2 in terms of new client wins per year by IBS TEMENOS market share for new licenses in its target markets was approximately 30% per cent (2004: 23%)

Calypso Tech. Calypso Infosys Misys Fidelity SAP Fiserv Finacle Equation/Midas Corebank/Profile/ Systematics BCA, AM ICBS

(1)

Number of known wins Source: International Banking Systems, 2005; TEMENOS19

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