Oracle Banking Solution

Banking Solutions
Presenters Name: Presenters Title:
Safe Harbor Statement
The following is intended to outline our general product direction. It is intended for information purposes only, and may not be incorporated into any contract. It is not a commitment to deliver any material, code, or functionality, and should not be relied upon in making purchasing decision. The development, release, and timing of any features or functionality described for Oracles products remains at the sole discretion of Oracle.
CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract
Agenda
Leadership in Banking Innovation in Industry Solutions Results Achieved by Oracle Customers
Oracle in Banking
Did You Know?
10 of the top 10 global banks use Oracle Apps

to run their business
23 of the top 25 North American banks

use Oracle Applications to run their business
15 of the top 20 global banks use Oracle Apps

to measure and manage their performance
The Challenges Were Hearing

!
Grow Business and Cross-Sell to Customers:
How can I streamline my business processes to grow wallet share and shorten time to market for new products and services?
The average cost to acquire a new customer is $3,500 in the US. American Bankers Association
! Compliance & Regulatory Pressures:

How can my organization meet the increasing regulatory compliance demands?
IT spend on compliance will grow annually at 14.1% and reach $3.0 billion by 2006. The Info Shop
! Scale Costs to Match Market Opportunity:

How can I improve cost efficiency ratios while providing greater value to our customers?
In the near to intermediate term, the industry is expected to continue to experience pressures on its net interest margin. AM Best
Industry Quotes
In acquiring a majority stake in i-flex solutions, Oracle announced its arrival on the world stage of vertical banking technology. Oracles acquisitions of PeopleSoft and Siebel give it a more significant footprint in business intelligence (BI), analytic applications, and performance management. Oracle has been kicking its game into high gear. With 22 acquisitions in 24 months, the longtime database kingpin and middleware applications player has gorged on new products and capabilities The buying binge also have served to reinforce the company's commitment to amassing deep expertise in financial services-something not lost on clients in that industry. Oracles Siebel purchase should drive more value for customers through integrated business management applications, and deliver existing Oracle customers with more sophisticated CRM functionality.
Agenda
Oracle Banking Solutions

Next Generation Software That Helps Banks Effectively Grow Their Business and Optimize Performance From the Front to the Back-Office
Develop Customer-Centric Processes
Enable Flexibility to be Responsive to Market Needs Embed an Intelligent Compliance & Risk Mgmt Framework and Performance Measurement within the Business Innovate for Operational Effectiveness
Evolve a Business Process Driven Enterprise Architecture
Create a Customer-Centric Enterprise

Requirement
Drive intelligent customer interactions
Oracle Capability
The Oracle Difference
Pre-Built Customer Analytics for Banking
Only end-to-end performance & profitability analytics in context of customer interactions Only multi-channel sales, service, mktg & transaction solution pre-integrated with core-banking Only complete offer and campaign mgmt solution with built in analytics to measure and refine marketing programs Only complete repository for data across the enterprise accessible by a hub and spoke model
Show a complete view of customer to customer agent
360 Degree Customer View through Integrated Banking Sales and Service
Deliver multi-channel campaign and offer mgmt
Closed-Loop Marketing for Banking
Provide a single source of truth for customer data
Universal Customer Master for Banking
Example: 360 Degree Customer View through Integrated Banking Sales and Service
Show a Complete View of Customer to Customer Agent
Agent Desktop
Web Services
Core Systems
Single View of Customer

Real-time balances Account details &
transaction history Contact and opportunity mgmt Interaction history
Guided Selling
Cross-sell / up-sell Sales offers Needs analysis Product catalog Product features /
benefits
Opening / Fulfillment
Multi-product
application processes Data capture Document fulfillment Account funding
Service Management
Financial transaction
support Common service issue management
Rabobank
COMPANY OVERVIEW Largest and most dense network in the

Netherlands consisting of 2,942 contact points 7 MM customers 1200 branches Full range of banking services
CUSTOMER PERSPECTIVE The single, complete view of the customer and prospects means we are now able to track and trace lead management from start to end. Tonnie van der Horst Program Manager
CHALLENGES / OPPORTUNITIES Improve multi-channel customer service Link the call center, the internet & local branches Reduce time to market for new products Increase focus on individual customer SOLUTIONS Standardize front office application cockpit Set up and implement new business processes Provide continuity, stability, simplicity and cohesion
RESULTS Sales / banker / day increased 45% Cross-selling up 1% a month All 300 community banks use one front office system Rolled out to all users in 18 months Client data, client contact information, lead and sales information is consistent across the bank Lead-management process and management control successful Can now measure results and reward performance

Enable Flexibility to be Responsive to Market Needs
Requirement
Provide process driven solutions
Oracle Capability
i-flex Process Framework for Banking
Largest repository of extensible and executable banking processes providing increased flexibility Only open standards core banking solution enabling new products, relationship pricing & consolidation of existing systems Only integrated front-to-back solutions for consumer finance & commercial leasing
Transforming core-banking processes
FLEXCUBE for Retail & Corporate Banking
Support stand alone lending & leasing solutions
Daybreak and Oracle Lease Mgmt
Example: FLEXCUBE for Retail & Corporate Banking

Transform Core-Banking
Retail Lending
UNIVERSAL BANKING SOLUTION
Commercial Wealth Management
Retail Banking
All consumer
banking products Quick product definition Single view of customer
Lending
Consumer lending Corporate lending Origination to
collection
Commercial
Trade finance Payments Cash management Treasury Departmental or
bank-in-a-box solution
Wealth Management
Mutual funds Asset managers Transfer agencies Online brokerage
Banco de Chile Improves Sales

COMPANY OVERVIEW Largest Chilean owned bank Merger of Banco Chile and Banco Edwards 9,500+ employees, 1,300+ ATM, 260+ branches $18 billion assets, 660K credit cards,
400K checking accounts
CHALLENGES / OPPORTUNITIES Consistently manage client relationships

across channels Transform entire bank processes Deliver lower operating costs, improved customer service and new up sell & cross-sell opportunities
CUSTOMER PERSPECTIVE Oracle is a strategic partner enabling the transformation at Banco de Chile. The bank is better able to meet its customers demands by deploying new products to market faster. Ruben Farias Vice President of Development RESULTS Improved sales (23% YOY growth) Improved sales quality and efficiency Volume increase (1.3mm customers) Automation of sales & credit processes Responding quicker to customer care claims Control over finance & accounting processes Automation of and control over management and HR processes
SOLUTIONS i-flexs FLEXCUBE Oracles Siebel CRM & Teller Oracle ERP for Procurement and HR Oracle BI for Sales & Campaign Analytics

Embed an Intelligent Compliance and Risk Management Framework and Performance Measurement within the Business
Requirement
Deliver actionable customer & product profitability insight
Oracle Capability
Customer & Product Profitability Engine (EPM, OFSA)
Only fully scalable solution to compute individual customer profitability deliverable to the front-office Most complete end-to-end risk management solution extending into business operations and AML Only functionally complete compliance mgmt solution available on an enterprise compliance infrastructure
Manage credit, market and operations risk
Enterprise Risk Mgmt Platform (Reveleus, Mantas) for Banking
Provide a foundation for regulatory compliance
Enterprise Compliance Apps for Financial Services
Example: Enterprise Compliance Application for Financial Services

Manage Credit, Market, and Operations Risk
Databases BI Dashboards Analytics Server Analytic Engines
Data Warehouse
Risk & Compliance Basel II compliance Reporting platform Consolidated data

repository Embedded internal controls
Profitability Management Complete profitability

suite Integrated with risk and finance solutions Multi-dimensional profitability
Financial Transformation Next generation

accounting rules engine Fully integrated with Oracle GL
Visionary RAPM enabled suite Foundation of

Enterprise Risk Management suite
Wells Fargo Achieves Basel II Compliance

COMPANY OVERVIEW Headquartered in San Francisco, California Sixth largest bank holding company in the US Employees: 153,500 Assets worth $482 billion CHALLENGES / OPPORTUNITIES Needed a mature solution which would allow the
bank to comply with Basel II Accord, while supplementing its economic capital mgmt process Wanted not only a Basel II solution but also a credit analytics tool Allow for iterative capital compliance analysis with production-ready solution
CUSTOMER PERSPECTIVE The ability to execute is a critical success factor in any systems implementation, but even more so given the timeline for implementation of Basel II. The partnership between i-flex and Oracle was important to us. Weve had a long relationship with Oracle, and we knew that Oracle would stand behind Reveleus. Nick Deshpande Head of Corporate Project Office
SOLUTIONS Reveleus Basel II PeopleSoft Enterprise Financial Mgmt PeopleSoft Enterprise Performance Management
RESULTS Credit analytic capabilities will be available in the spring of 2007 Full production of Basel II in January 2008

Innovate for Operational Effectiveness

Requirement
Fully utilize employees as key company assets
Oracle Capability

Comprehensive Recruitment to Retirement Process Designed for FSI

Only applications designed for FSI based on the worlds leading HCM and talent management solution Worlds leading financials solution for FSI with multi-GAAP, IFRS & multi-book code processing Most fully integrated projects, procurement and financials suites designed for FSI
Reduce operational risk with comprehensive financial mgmt solutions
End-to-End Financial Mgmt and Consolidations Suite Designed for FSI
Manage projects more efficiently & effectively
Robust Enterprise Project Portfolio Management
Transform corporate procurement function
Complete Integrated Procurement Solutions for Goods & Services with Strategic Sourcing Capabilities
Most comprehensive spend management applications deployed on-site or hosted
Example: End-To-End Financial Management and Consolidations Suite Designed for FSI
Reduce Operational Risk with Comprehensive Financial Mgmt Solutions
Manual Entry Open Interfaces / API Excel (Web ADI)
Dr Cr
Subledger Invoices & Documents Receivables Payables Online Reconciliation Reporting
General Ledger
Subledger Accounting
Financial Control & Reporting Automate financial

processing Account for multiple, heterogeneous sources Enhance internal controls & auditability
Analytics Align operations with

corporate strategy Manage risk proactively Collaborate across the enterprise
Procure to Pay Reduce spend on

goods and services Streamline procurement Enforce policy compliance
Asset Management Improve asset

visibility, tracking, and control Optimize asset portfolio mgmt
Westpac Achieves 376% ROI

COMPANY OVERVIEW Australias first bank Founded in Sydney, Australia in 1817 as Bank of
New South Wales; renamed Westpac in 1982 Leading provider of banking & financial services in Australia, New Zealand, and 8 Pacific island nations Employees: 26,131 Net profit after tax AU$2,818 million
CUSTOMER PERSPECTIVE Oracle's approach to business systems, involving consolidation of data and shared service centers assists us in meeting our corporate governance goals. Phil Chronican Chief Financial Officer
CHALLENGES / OPPORTUNITIES Adopt International Accounting Standards (IAS) by

2005 & Australian government plans to strengthen the financial reporting framework Deliver productivity and operational efficiency via more integrated systems and processes Operating 13 different general ledgers, with month end book closure at 15 days
SOLUTIONS Oracle systems enabled Westpac to have a

consolidated view of the business Enabled substantial efficiencies in work practices
RESULTS 376% ROI achieved through cost reductions & productivity improvements Batch processing speed improved by 40% Month-end closure time reduced by over 50% 13 charts of accounts consolidated into a single view of the company Millions of transactions summarized down to about one million journal entries and posted to the ledger daily

Next Generation Software That Helps Banks Effectively Grow their Business and Optimize Performance From the Front to the Back-Office

Requirement
Deliver new banking services quickly to existing and acquired customers
Oracle Capability

Service Enabled Process Framework for Banking

Only service-oriented architecture with a banking-specific data model and process library Only integrated KPIs & KRIs from data held in existing legacy banking systems Only integrated data & identity solution for operational risk management and regulatory reporting Worlds largest and most reliable database and low-cost grid computing platform
Make real-time decisions with know-your-customer data across all channels
BI for Retail, Institutional and Private Banking
Secure client data against fraud, insider access, phishing & identity theft

Enterprise Security and Identity Mgmt

Selectively consolidate legacy systems onto open standards platform
Grid Computing and Enterprise Content Management
Service Enabled Process Framework for Banking

Deliver New Banking Services Quickly to Existing and Acquired Customers
External Internal
Partner Apps
Customers
Partners
BPO / Help Desk
IT Staff
Employees
Compliance Applications
Business Intelligence
Activity Monitoring
Workflow and Orchestration
Corporate Applications
Access and Identity Management Monitoring and Management
Multi-Channel Loans ERP HR
Integrate Intelligence and business workflow across solutions
Advanced Networks & Data Encryption Provision and manage access Virtual Private Database Universal Customer & Product Masters
Systems and Repositories
Secure data and functions across networks
OS (Unix)
ECM
Mainframe
NOS/Directories
Move from detection to prevention and integrate non-structured data
Database and Audit Vault
Auditing and Reporting
Content DB
Record Management
Banking Reference Architecture

Agile, Secure and Modern Platform
Access
Create multi-client presentation services and real-time analytics
Portals, Dashboards Business Intelligence Bus. Activity Monitor WebCenter Framework Provision Enterprise Identity and Directory Services Identity and Access Authent Authorz Info Sec and Compliance Directory Encryption MultiMulti-Channel Networks and Presentation Services Customer Experience Online / Web 2.0 Kiosk, ATM, Teller, etc Partner Interfaces Business Insight Customer Insight Performance and Risk Operations Mgmt
Process
Integrate workflows across business and functional solutions
Bus. Process Modeler BPEL Process Manager Web Services Manager J2EE, Bus. Rules & ESB
Enterprise Services and External Interfaces (SOA)
Security
Secure data and processes to detect and prevent attacks
Identity & Access Mgmt
Banking Applications Retail Commercial Private Investment
Corporate Applications Finance Risk HR Operations
Data
Manage all information, including structured and unstructured content
TimesTen In-Memory DB
Product Systems and Transactions LDAP / Virtual Directory Virtual DB / Label Secur Database & Audit Vault Master Data Customer Org Entities Payments Instrument Infrastructure Data Services Grid/DB Mgmt SLA Mgmt Mainframe Enterprise Content Mgr Oracle Database Grid Enterprise Manager
ANZ Delivers New Wealth Mgmt Services in Record Time to Private Clients
COMPANY OVERVIEW Top 50 bank in the world, with operations and
customers in Asia, Europe and North America Retail, institutional, private bank; leading provider of wealth mgmt services and online banking and trading Employees: 30,000+, Assets: AUD$ 293 billion
CUSTOMER PERSPECTIVE Rapid deployment of new solutions to ANZs high net worth clients at a lower cost
CHALLENGES / OPPORTUNITIES Growing pains as it sought to acquire other regional

banks and to increase its range of services Wanted to bring products to market faster, using a rich web interface for its high net worth and internet savvy clients, allowing them to have real-time access to new offerings Required secure system with easy integration with brokerage partners such as E*Trade Acquisitions and existing IT investments required a solution that fit in with their heterogeneous back-office systems
RESULTS Wealth Management application delivered in record time Faster speed-to-market for add-on customer services Preserved investment in existing Web Sphere middleware Smooth integration with E*Trade for online brokerage services Hot-pluggable architecture for new standard interfaces
SOLUTIONS Oracles BPEL Process Manager

Pending customer approval Internal Use Only
Oracle Banking Solutions Summary

Customer Centric
Deliver Consistent Multi-Channel Customer Experience Increase Share of Customers Wallet Streamline Front-to-Back Office Processes Provide Integrated Sales and Service
Core Banking Transformation
Reduce Time-To-Market for New Products and Services Support Regulatory Needs More Quickly Integrate Acquired Assets Stay Compliant With Continuously Changing Regulations Understand and Manage Enterprise Risk Deliver Actionable Customer & Product Profitability Insight Provide Seamless Integration of Systems Optimize Workforce Management Connect Financials to Better Measure and Monitor Results Accelerate Development of New Services with a Open
Standards Based Banking Platform Improve Agility With Capability to Create Flexible Composite Applications
Risk, Performance & Compliance
Manage Corporate Assets
Agile, Intelligent & Secure
Oracle i-Flex
Oracles Banking Footprint

Governance, Risk & Compliance
Risk Risk Based Based Decisioning Decisioning
Risk Based Pricing Economic Capital/RAPM
Third Party Customer & Business Insight

Customer Customer Insight Insight
Customer Analytics Channel Analytics Marketing Analytics Performance Mgmt Balance & Positions Fees & Commissions Compensation Reconcil -iation
Lifecycle Management
Marketing Selling Originating Servicing
Retail
Platform Internet Banking Teller Kiosk Call Center EBPP
Commercial
Customer Customer Experience Experience
Team Selling Security Trading Order Mgmt Client Servicing Internet Banking Derivative Pricing
Private Wealth Mgmt

CRM & Marketing Lead Mgmt Financial Planning Call Center
External External Interfaces Interfaces

OFAC Check Order Market Feeds
Order Entry On Platform Demand
Product Product and and Transaction Transaction Processors Processors Risk Risk Management Management
Operational Risk Market Risk Credit Risk ALM Deposits Loans Investments Savings Mortgages Cards (Credit / Debit) Deposits Trade Finance Asset Mgmt Investor Services Leasing Cash Mgmt Treasury Loans Payments Integration Mkt Data Portfolio Mgmt Compliance & Limits
Performance Performance Management Management

Exec Analytics Profitability Analytics/RAPM Funds Transfer Pricing
Syndicated Structured Loans Derivatives Nostro Recon Lock Box
Banking Payments Leasing Core Ledger
Banking Custody Core Ledger
Clearing & Trade Processing Settlement
Master Data Management

Customer Data Hub Product Hub Org Hierarchy Hub Accounting Hub Payments Hub
Operational Operational Excellence Excellence

Op Intelligence HR Analytics Budgeting Procurement Profitability Mgmt Fixed Assets Incentive Comp Real Estate Fed Wire SWIFT POS Credit Rating ACH Other Systems
Compliance Compliance
BASEL II & 1A AML
Corporate Administration
Enterprise GL Human Capital Mgmt Consolidation Projects
Analytics Analytics Platform Platform

Portal & Dashboards Business Activity Monitoring Business Process Analytics
Enterprise Technology
SOX Regulatory Reporting Rich Client F/W AJAX, Web 2.0 Systems Mgmt Database (Grid, Memory, Embed) Directory Services Enterprise Content Mgmt Web Services Mgmt J2EE Services, ESB Web Services Orchestration (BPEL) and Rules Engine Identity Mgmt Access Mgmt
The Only Complete Banking Solution
Platform
Results
Partners Process People
Oracle Uniquely Delivers a Competitive Advantage by Leveraging People, Partners, Process, and Platform
People: Oracles Ecosystem Creates Advantage

30,000 applications customers 220,000 database customers 29,000 developers, support engineers and consultants 1,700 application ISVs 5,000 middleware ISVs 9,000 database ISVs 35 Fusion strategy council members 425 user groups 275,000 Customers Benefiting from Shared Innovation 30,000 middleware customers
1,300 participants in early customer adoption programs
950 customers participating in Customer Advisory Boards
500 Industry & Product strategy council members
Process: Top to Bottom Support for Banking

#1 Enterprise Software Vendor ERP, CRM, SCM and more Most scalable, reliable, secure infrastructure Most complete range of on-demand and on-premise
deployment options Training
Support
Consulting
Built-In Banking Capabilities Core banking processes incl. deposit and credit / loan
mgmt, consumer & commercial leasing, and integrated account statements Governance, risk, and compliance coverage including risk-based pricing, operational risk assessment, and regulatory reporting Performance mgmt incl. profitability analysis and RAPM
Applications
Middleware
Database
Largest Software Support Team 21,000+ development and support engineers 145+ countries
Platform: Oracle Fusion Middleware Leads the Market

Best-Selling
32,000+ Customers Deployed 70% of Worlds 50 Largest Firms $1B+ Business
#1 Middleware By Share
Highest Rated
Only Vendor in Gartner and Forrester Leader Quadrants for All Middleware Components Oracle Leads the Pack
Strong Contenders Performers
Strong
Most Comprehensive
Industry's Most Comprehensive Platform for Developing, Deploying & Integrating Enterprise Apps Rich Functionality
ORCL J2EE Server & Dev Tools Enterprise Service Bus Portal, Collab, Content Mgmt BPEL Process Management Activity Monitoring Business Rules Engine SOA Management Business Intelligence Integrity Management IBM SAP
Leaders Oracle
Others Others 45% 45%
Oracle Oracle 55% 55%
Current Offering
Microsoft IBM Novell SAP SUN Microsystems
Market Presence
Source: Gartners Market Share Application Integration & Architecture
Weak Weak
Strategy
Strong
Fastest Growing Middleware

40% 30% 20% 10% 0%
Source: Forrester Research Ranking of Application Platform Servers
39.6%
Growth Rates
SOA Vendor of Choice

Oracle
6.7%
7.1%
Microsoft SAP IBM

0% 5% 10% 15% 20% 25% 30%
Oracle
IBM
Total Mkt
Source: Gartners Market Share Application Integration & Architecture
Agenda
What Customers are Achieving

Our Multi-channel Program delivered by PeopleSoft Enterprise CRM, enables every ABN AMRO Bank client to choose how and when they wish to communicate with us. This allows us to be trendsetters in our industry. As a global financial services company which is using technology to improve productivity and lower operating costs, the use of FLEXCUBE will allow us to gain efficiencies by standardizing our operating environment. Performance Management is something that has to constantly evolve as your business evolves. Oracles platform allows us to quickly modify rules and add fields to tables so that we can be very responsive to change. Oracles acquisitions of PeopleSoft and Siebel give it a more significant footprint in business intelligence (BI), analytic applications, and performance management. Oracle Financials lets us automate our planning process and data consolidation. Our financial planning and analysis staff can fully perform their roles as analysts and work closer with their operational managers -with greater speed and flexibility.

Only Oracle
Only multi-channel sales, service, marketing and transaction solution

pre-integrated with core-banking
Only open standards core-banking solution enabling new products,

relationship pricing and consolidation of existing systems
Most complete end-to-end risk management solution extending into

business operations and AML
Worlds leading financials solution for FSI with multi-GAAP, IFRS, and multi-book code processing and process library
Only service-oriented architecture with a banking-specific data model

Oracle Banking Solution

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Banking Solutions

Presenters Name: Presenters Title:

Safe Harbor Statement

Leadership in Banking Innovation in Industry Solutions Results Achieved by Oracle Customers

10 of the top 10 global banks use Oracle Apps

23 of the top 25 North American banks

15 of the top 20 global banks use Oracle Apps

The Challenges Were Hearing

! Compliance & Regulatory Pressures:

! Scale Costs to Match Market Opportunity:

Leadership in Banking Innovation in Industry Solutions Results Achieved by Oracle Customers

Oracle Banking Solutions

Develop Customer-Centric Processes

Evolve a Business Process Driven Enterprise Architecture

Create a Customer-Centric Enterprise

The Oracle Difference

Pre-Built Customer Analytics for Banking

Show a complete view of customer to customer agent

Deliver multi-channel campaign and offer mgmt

Closed-Loop Marketing for Banking

Provide a single source of truth for customer data

Universal Customer Master for Banking

Single View of Customer

COMPANY OVERVIEW Largest and most dense network in the

Oracle Banking Solutions

Develop Customer-Centric Processes

Evolve a Business Process Driven Enterprise Architecture

Enable Flexibility to be Responsive to Market Needs

The Oracle Difference

i-flex Process Framework for Banking

Transforming core-banking processes

FLEXCUBE for Retail & Corporate Banking

Support stand alone lending & leasing solutions

Daybreak and Oracle Lease Mgmt

Example: FLEXCUBE for Retail & Corporate Banking

Commercial Wealth Management

Banco de Chile Improves Sales

CHALLENGES / OPPORTUNITIES Consistently manage client relationships

Oracle Banking Solutions

Develop Customer-Centric Processes

Evolve a Business Process Driven Enterprise Architecture

The Oracle Difference

Customer & Product Profitability Engine (EPM, OFSA)

Manage credit, market and operations risk

Enterprise Risk Mgmt Platform (Reveleus, Mantas) for Banking

Provide a foundation for regulatory compliance

Enterprise Compliance Apps for Financial Services

Example: Enterprise Compliance Application for Financial Services

Databases BI Dashboards Analytics Server Analytic Engines

Risk & Compliance Basel II compliance Reporting platform Consolidated data

Profitability Management Complete profitability

Financial Transformation Next generation

Visionary RAPM enabled suite Foundation of

Wells Fargo Achieves Basel II Compliance

Oracle Banking Solutions

Develop Customer-Centric Processes

Evolve a Business Process Driven Enterprise Architecture

Innovate for Operational Effectiveness

The Oracle Difference

Comprehensive Recruitment to Retirement Process Designed for FSI

Reduce operational risk with comprehensive financial mgmt solutions

End-to-End Financial Mgmt and Consolidations Suite Designed for FSI

Manage projects more efficiently & effectively