LEASING IN CEE 2 February 2012 Four Seasons

LEASING IN CEE 2 February 2012 Four Seasons Hotel – Prague THE FUTURE OF “IT” IN FINANCE: GOVERNANCE THROUGH BPM Diego Brotto COO, Forward Software Head of International Business, Liscor Group

CONTENTS n LEASING INDUSTRY: TODAY NEEDS n “IT” SOLUTIONS: HISTORY n “IT” SOLUTIONS: TODAY n WHAT IS BPM? n BPM LIFECYCLE n DESIGN AND MODELING n EXECUTION n MONITORING AND OPTIMIZATION n PURSUIT OF GOALS n “IT” SOLUTIONS: FUTURE n LISCOR GROUP OFFERING

LEASING INDUSTRY: TODAY NEEDS GOVERNANCE THROUGH … n RISK MANAGEMENT n CREDIT WORTHINESS EVALUATION n COLLECTION n BUDGET n COST CUTTING n INVESTMENTS n PROCEDURES n SERVICE LEVEL n COMPLIANCE FULLFILMENT n OPERATIONAL RISK MITIGATION n BUSINESS DEVELOPMENT n DATA CONSISTENCY n INTEGRITY n CORPORATE REPORTING n LOCAL REGULATION

“IT” SOLUTIONS: HISTORY FULLY INTEGRATED SYSTEMS (1980 s …) n MODULES n ACCOUNTING n OPERATIONS (THIRD PARTY, CONTRACTS) n LITIGATION ü DATA CONSISTENCY ü OPERATIONAL RISK MITIGATION n “MULTI” APPROACH n -CONTRY, -COMPANY, -CURRENCY, -LANGUAGE n -CHANNEL, -PLATFORM ü BUSINESS DEVELOPMENT ü CORPORATE GOVERNANCE

“IT” SOLUTIONS: HISTORY FULLY INTEGRATED SYSTEMS (1980 s …) n END TO END SOLUTIONS n FRONT AND MIDDLE OFFICE n BACK OFFICE ü DATA CONSISTENCY ü OPERATIONAL RISK MITIGATION WEB BASED SOLUTIONS (2003 …) n HIGHLY AVAILABILITY n “SALES NETWORK” ORIENTED ü COST CUTTING (INFRASTRUCTURE) ü OPERATIONAL RISK MITIGATION ü BUSINESS DEVELOPMENT

“IT” SOLUTIONS: TODAY BUSINESS PROCESS MANAGEMENT BPM BASED SOLUTIONS (2010 …) OVERCOME “FUNCTION-BASED” SOLUTIONS LIMITS n PROCESS INTEGRATION n BUSINESS ACTIVITY MONITORING n “ELECTRONIC DESKTOPS” TO “SALES NETWORK” ü PROCEDURES ü OPERATIONAL RISK LEVERAGE ü BUDGET ü RISK MANAGEMENT ü BUSINESS DEVELOPMENT

WHAT IS BPM BUSINESS PROCESS MANAGEMENT AND MODEL n ECONOMIC SYSTEMS HOLISTIC SYSTEMS n “PROCESS OPTIMIZATION” PROCESS HOW EVOLUTIONARY PROTOTYPING DEVELOPMENT CYCLE n BPM LIFE-CYCLE n VISION n DESIGN AND MODELING EXECUTION OPTIMIZATION MONITORING n EXECUTION n MONITORING n OPTIMIZATION OR RE-ENGINEERING

BPM LIFECYCLE: DESIGN AND MODELING BUSINESS MEETS “IT” … n DESIGN … BUILDING THE BRIDGE FOCUS n PROCESS IDENTIFICATION n ACTIVITIES IDENTIFICATION n “TO BE” DESIGN DEFINITION n ACTORS AND ROLES n ESCALATION RULES n SERVICE LEVEL CONDITIONS n MODELING FOCUS n BUSINESS RULE ENGINE n WHAT-IF ANALYSIS üBUSINESS NEEDS TO üIT OBJECTIVES

BPM LIFECYCLE: DESIGN AND MODELING BPM DESIGNER: BUSINESS PROCESS "IT”

BPM LIFECYCLE: EXECUTION n ORCHESTRATOR n EXECUTION OF SERVICES (AUTONOMOUSLY OR TRIGGERED) n INTERACTION WITH USERS n DYNAMIC DEFINITION OF ACTIVITIES n ELECTRONIC DESKTOP n QUEUED AND PENDING ACTIVITIES n MESSAGES n ATTACHEMENTS n BUSINESS RULE ENGINE EXECUTION n DYNAMIC BEHAVIOUR OF SYSTEM n VARIABLE DEFINITION (PRODUCT, CONDITION, AGREEMENT)

BPM LIFECYCLE: MONITORING AND OPTIMIZATION MONITORING n THROUGH DEFINITION OF KPIs n PROCESS TIME ANALYSIS BY ACTIVITY/STAGE, USER/GROUP, … n AVERAGE SERVICE TIME (PRODUCT, CHANNEL, BRANCH, …) n USER ACTIVITY AUDITING n … (EVERY INFORMATION CAN BE TRACKED BY SIMPLE CONFIGURING OF DYNAMIC INQUIRIES) BAM (DASHBOARD) OPTIMIZATION n TUNE PROCESS ANALYST BOTTLENECKS n TUNE USERS/GROUPS OVERLOAD n ENHANCE SYSTEM USABILITY

PURSUIT OF GOALS n INCREASE GOVERNANCE OF EXISTING PORTFOLIO n ASSET MANAGEMENT n CREDIT MANAGEMENT (WORKOUT) n ENSURE THAT ALL ORGANISATIONAL UNITS WORK TOWARDS … n THE SAME UNIQUE OBJECTIVE n THE SAME RULES AND GUIDELINES n STANDARDISE SERVICE LEVELS WHILE MITIGATING COSTS n ALIGN ALL ASPECTS OF ORGANIZATIONS WITH NEEDS OF CLIENTS n PROMOTE EFFECTIVENESS AND EFFICIENCY THROUGH PROCESS TUNING n COST SAVING THROUGH SAFE AND ECONOMICAL INVESTMENTS n SPEED UP THE PROCESS TO BUILD NEW SOLUTIONS TO BUSINESS NEEDS n EASY INTERANCTION BETWEEN BUSINESS FEEDBACKS AND DEVELOPMENT n MEASURE INTERNAL EFFICIENCY AND PERFORM CORRECTIONS

PURSUIT OF GOALS APPLICABILITY: MOST IMPORTANT AREAS n ACQUISITION ü MANAGE BUSINESS RULES: PRODUCT-AGREEMENT-CONDITION n ACTIVATION ü MANAGE FASTER AND SAFER CREDIT WORTHINESS EVALUATION n WORKOUT ü MANAGE COMPLEX COLLECTOR NETWORKS

“IT” SOLUTIONS: FUTURE BPM EVOLUTIONS n AUTOMATED n BPM n SELF PROCESS EXECUTION DRIVES PROCESS ACTIVITIES LEARNING SYSTEMS n SELF-PROCESS ENHANCEMENT THROUGH BAM ANALYSIS n SELF-OPTIMISATION OF USER ALLOCATION ü DECREASE LABOUR FACTOR ü DECREASE HUMAN INTERACTION ü INCREASE EFFICIENCY

WHO IS LISCOR GROUP COMPANY PRIVATE OWNED COMPANY n INDEPENDENT SOFTWARE VENDOR, WORKING SINCE 1980 s SPECIFICALLY FOR CREDIT SECTOR n LONG LASTING EXPERIENCE WITH DOMESTIC AND INTERNATIONAL COMPANIES n OFFERING HIGH KNOWLEDGE CONSULTANTS WITH COMPREHENSIVE EXPERIENCE IN MULTI-COUNTRY PROJECTS n CUTTING-EDGE TECHNOLOGIES AND FUNCTIONALITIES SPECIFICALLY SUITED FOR THE LEASING INDUSTRY n MEANINGFUL CREDENCIALS

CONTACTS LISCOR HQ Corso C. Colombo, 10 20144 Milano · ITALY tel. +39 02 581 521 fax +39 02 581 524 99 FORWARD SOFTWARE 10, Piata Montreal Street Bucharest 011469 · Romania Tel: +40 372783639 WWW. LISCOR. COM VISIT - WWW. FORWARDSOFTWARE. RO LISCOR IBERICA Calle Almagro 28 28010 Madrid · ESPAÑA Tel : +34 91 310 27 30 PE ” 4 A 2 C” Mezhova street 12 04123 Kyiv · UKRAINE Phone +38 (044) 451 -6416