CENTER OF FINANCIAL TECHNOLOGIES Group of Companies business overview 2021 ABOUT THE COMPANY
CFT is a leading Russian fintech vendor that provides Key competencies: access for financial industry players to world-class technologies for conducting business and rendering financial services to customers • Development of software & services for • Banks (automation of all kinds of activities and operation in the payment market) • Insurance companies, MFOs, treasuries, corporations
• Outsourcing of Established in: Market position: • support and development of CFT systems and services 1991 TOP 5 • data centers for software hosting
CFT is one of the top 5 largest software developers in Russia*
* Based on CNews Analytics rankings https://cft.group/
2 KEY BRANDS Access to the CFT fintech platform allows any financial player to compete with leaders in their market segments in terms of business process efficiency as well as the price and quality of services provided
Core Banking: core banking system for banks of any business scale Online banking: Corporate systems: Internet banking, mobile banking management of corporate financial flows Solutions for NBFIs: business automation for insurance companies Loyalty programs. Gift cards (certificates, payment gift cards)
Comprehensive service for issue and acquiring of IPS, MIR and KoronaPay cards Money transfers: online, offline Loan repayment and replenishment of cards of any Russian bank
Banking self-service platform: БРЕНДЫ technologies for the bank’s interaction with the FPS, management of payments, products and cash in the bank’s payment infrastructure Solutions for payment acceptance in favor of service providers Travel card: automated fare system “Electronic Travel Card” 3 REGIONS OF PRESENCE
Moscow – commercial, implementation and support hub
Novosibirsk – main software Saint Petersburg development and support hub
9 offices in leading economic regions of Russia Moscow Chișinău Foreign representations in Almaty, Dushanbe and Chișinău
Rostov-on-Don Perm Samara Yekaterinburg Tomsk Omsk Novosibirsk Khabarovsk Barnaul
Almaty
Dushanbe 4 MARKET POSITIONS
For over 10 years now, CFT has been consistently ranked highest among top Russian IT companies in federal rankings
2nd 4th 3rd in the ranking of in the ranking in the ranking of Russia’s largest bank IT vendors “Software Development” largest IT developers 1. Epam 1. SKB Kontur 1. 1С 2. CFT 2. LANIT 2. Х-holding 3. Softline 3. Infotecs 3. Kaspersky Lab 4. Technoserv 4. CFT 4. Aquarius 5. Sberbank-Service 5. iTeco 5. CFT 6. Jet Infosystems 6. Positive Technologies 6. SKB Kontur 7. Lanit 7. CROC 7. ICL-KME CS 8. Sberbank-Technology 8. FORS 8. Lanit 9. Croc 9. ICL-KME CS 9. Security Code 10. iTeco 10. RAMAX Group 10.NAG
Overview “IT in Banks and Insurance Companies Ranking of Russia’s largest ICT groups and companies CNews Analytics, Overview "IT Market: 2019”, CNews Analytics, October, 2020 based on 2020, RAEX rating agency (Expert RA), 2021 Results of 2020”, June 2021
5 FINANCIAL PERFORMANCE
Dynamics of revenue from sale of products and services of CFT Group in the past five years
Revenue* CFT Group, bln rub.** 22.5 25.4 24.3 20.6 21.0
2016 2017 2018 2019 2020
* certified by KPMG ** exclusive of VAT
6 CLIENTS OF CFT GROUP
Banks
and other
Retail networks
Corporations, holdings, state-owned companies
7 CFT CUSTOMERS AMONG TOP 50 BANKS IN ASSETS*
Bank Ranking Bank Ranking position position 1. Sberbank 1 14. Novikombank 23 2. VTB 2 15. Uralsib Bank 24 3. Gazprombank 3 16. Post Bank 25 50% 4. Russian Agriculture Bank 6 17. Russian Standard Bank 30 5. Promsvyazbank 7 18. Absolut Bank 34 of financial institutions among the TOP 50 6. Credit Bank of Moscow 8 19. Orient Express Bank 35 Russian banks in assets 7. Otkritie FC 9 20. Bank ZENIT 37 are customers of CFT** 8. Sovcombank 11 21. MTS Bank 38 9. Rosbank 14 22. Investtradebank 39 10. RRDB 15 23. Transkapitalbank 40 11. Rossiya 16 24. OTP Bank 45 12. Bank Saint Petersburg 18 25. SME Bank 49 13. Bank DOM.RF 21
* according to RIA Rating, as of February 1, 2021 ** CFT software customers
8 CFT BANKING SYSTEMS
Technology Технологические Core Banking SystemКаталоги ЦФТ CFT Catalogs Platforms платформы Solution Catalogs
CFT–Platform 1 CFT-Bank – banking Product Catalog CFT–Platform 2 МСА information system over 330 out-of-the-box financial Products
Application Catalogs over 2250 Applications
Fintech Solutions Solutions for NBFIs Solutions for Corporations CFT-Biometrics CFT-Insurance Company CFT-Marketplace CFT-Corporation CFT-Remote Authentication CFT-Digital Profile CFT-AML
9 TECHNOLOGY PLATFORMS FOR CFT BANKING SYSTEMS
In its software products, CFT uses in-house technology platforms – Platform 1 and Platform 2 МСА
PLATFORM 1 PLATFORM 2 МСА
Production platform Next generation technology platform capable of handling high transaction loads, for development and utilization of thousands of users, and millions of CRITICAL banking applications documents and accounts Due to its three-tier architecture* the platform provides for the bank: • unlimited scalability • high performance The Platform lifts the restrictions on • number of parallel users in the single core banking system • number of customer agreements processed • transactional load
* Three-tier architecture allows distributing transactional loads among application servers and database servers
10 CFT-BANK INFORMATION SYSTEM
• universal core banking system for banks of any business scale • leader in the number of installations in TOP 50 Russian banks • classic and outsourced model of software utilization by the bank 150+ Rich functionality implementations in Integration without borders Russian and CIS banks* All banking activities Smooth interaction with IT systems, external applications, and processing Extraordinary performance services Unlimited number of users and transactional load Fast implementation Implementation of the system in a Product-based approach TOP 50 bank within 5 to 9 months 2,250+ Fast and easy adjustment of products and Financial Applications in the services in accordance with market demands electronic catalog http://catalog.cft.ru/
* Excluding banks that have left the market
11 CFT-BANK: TECHNOLOGICAL ADVANTAGES
CFT-Bank is multi-platform core banking system • The system has been tested for compatibility with Postgres Pro DBMS*. The results showed good performance of the core banking system in conjunction with Postgres Pro.
Ability to quickly develop the system, taking into account modern development trends • Combination of open architecture with rapid development tools of CFT-Platform • 20% reduction in software development and testing time IDE • 30% reduction in the number of software development bugs
• In 2016, CFT-Bank was included in the Unified register of Russian software**
*Postgres Pro is a Russian commercial DBMS developed by Postgres Professional and included in the register of Russian software **Order No. 646 of the Ministry of Communications and Mass Media of the Russian Federation of December 12, 2016 on the inclusion of the CFT-Bank system in the Unified Register of Russian Programs for Electronic Computers and Databases 12 CFT SOLUTION AND PRODUCT CATALOGS Web platform with CFT catalogs targeted at different audiences and levels of specialists in organizations
https://catalog.cft.ru/
• All CFT catalogs on one web platform: • 12 Application catalogs • CFT-Bank Product catalog • Out-of-the-box solutions
• Fast loading of pages, fast search
• Desktop and mobile versions of the website
13 CFT-BIOMETRICS
Digital platform for taking biometrics, transferring data to the UBS and registering customers in the USIA
Functionality:
Capture of Sample Registration Storing Audit Generation and Work with biometric samples compliance and update biometric of user actions printout of UBS and (selection of photos check of customer samples in the customer USIA from a video stream, using the biometric data in bank consent services voice audio quality control the UBS for processing of in a single recording) library of personal data window Rostelecom PJSC
Solution delivery models: The CFT cloud solution was chosen by:
• Classic • Over 100 banks (purchase of software licenses) • Software outsourcing
14 CFT-REMOTE AUTHENTICATION CFT-DIGITAL PROFILE
Solution for customer identification in the UBS Cloud service for interaction between the bank and government agencies, and storing customer data • Obtaining by the bank of the results from the UBS on the verification of an individual • Obtaining an extended set of data on individuals from the USIA and other state and commercial sources (credit bureaus, Interfax, etc.) • Formation of a complete customer portrait based on the collected data, customer verification
CFT-SIMPLE AUTHENTICATION CFT-GOVERNMENT AGENCIES
Solution for customer identification in the USIA Electronic document flow with the FMS, PFR, FTS, FBS, USRLE, credit bureaus, and USIA • Obtaining information on the results of comparing the family name group of an individual with their passport, • Automation of the bank's interaction with federal executive SNILS and TIN bodies and the CBR • Exchange of mandatory messages and reporting with federal executive bodies, automatic control over the timing and status of sending messages by the bank
ФИНТЕХ 15 CFT-MARKETPLACE
Cloud service for technological interaction of different core banking systems with the Marketplace platform of the Bank of Russia
Advantages: The solution allows the bank to: • connection to the service within up to 2 weeks from the • reduce the cost of implementation of unique and expensive signing of relevant agreements schemes of connection to the CBR Marketplace platforms • agreed security pattern • maintenance by CFT • be independent from the CBS version when interacting with the • cutting down the costs of staff and hardware-software ч Marketplace system system • access to the system through a web interface • unify the data exchange with the platforms inside the Marketplace system
• timely implement the regulatory initiatives aimed at business development Current functionality: Interaction with the Marketplace platform for online
opening of bank deposits МАРКЕТПЛЕЙС 16 16 CFT-АМL: AUTOMATION OF FINANCIAL MONITORING
Online prevention and detection of suspicious transactions One of the Functionality: • Analytics and online control of payment documents • Set of rules for identifying suspicious transactions TOP 5 • Calculation of customer transactional metrics banks is using • Connection of external sources the CFT-AML solution • Formation of data for sending to the authorized body (4936-U for financial monitoring (6001), 4077-U)
Advantages: Architectural advantages: • Ready expertise • Connecting a bank with an IT architecture of any complexity: integration • Flexibility of the analytical module, customization of your own with different core banking systems and other sources of information on verification model financial transactions • Online detection of suspicious transactions • High-speed data processing and information update • WEB-CWS single window for financial monitoring specialists • Ready integration with CFT-Bank • In-house/in-cloud options
17 SOLUTIONS FOR NON-CREDIT FINANCIAL INSTITUTIONS
CFT-Insurance Company system – optimization of the activities of insurance companies and process management of the insurance business
Implemented projects:
• Transition to the new single chart of • Transition to the new single chart of accounts accounts • Centralization of accounting • Insurance activities • Financial and economic activity • Internal transactions • Payroll • Regulatory reporting • Securities • Deposits, FX transactions • Financial monitoring • Budget performance monitoring • Treasury • Tax reporting
1818 18 COMPLEX IT OUTSOURCING
CFT provides the service of transition of the bank IT infrastructure to complex outsourcing
CFT provides: Infrastructure: up to • Contractual basis with clear SLAs • DC 1 – main 40% • High level of security • DC 2 – standby IT cost reduction* • Quick launch of new financial Products • Own control and security • 24х7 support services • Best experience on the Russian market Every year, CFT undergoes Banks that use outsourced CFT-Bank / CFT-Retail Bank the audit by PWC and demonstrates the highest • Post Bank • Tavrichesky Bank • IFC Bank • Municipal Kamchatprofitbank standards of organization of • EXPOBANK • PSCB Bank its outsourcing processes • SKS BANK • Baltinvestbank • BESTA Bank • Ikano Bank • DOM.RF (earlier – AHML) • Housing Finance Bank • R-INKAS • RN Bank
* based on the experience from projects implemented by CFT 19 BANKING SELF-SERVICE PLATFORM
Technologies for management of payments, products and cash within the bank payment infrastructure 125 banks in Russia and the CIS use our platform
– Customer Service Channels
Работа с СБП Персональные предложения ATMs, self-service terminals, POS terminals Cloud solution for connection Претензионная работа, минимизация рисков to the Faster Remote banking (online and mobile) Payments System Bank teller/cashier
Chatbots, messengers
Bank website 20 BANKING SELF-SERVICE PLATFORM
Cloud solution for connection of banks to the FPS
Connection of any bank systems (CBS, PC, Support for all existing FPS services: RBS, etc.) to work with SBP, • sending / receiving C2C implementation of any scenarios • sending / receiving C2B, connecting the bank as the "Merchant Agent“ Standard schemes for connecting banks • sending / receiving B2C, incl. B2C that use CFT products and services: for "other payments“ sending - Faktura.ru, receiving transfers - 60+ PC CardStandard, CFT-Bank, CFT-Retail • sending / receiving Me2Me Pull credit institutions use the Bank Platform to work with the FPS, including TOP 20 banks
Zolotaya Korona is a certified TPP https://sbp.nspk.ru/banks/
21 ONLINE BANKING SERVICES
Faktura.ru-based products are a ready-to-use ecosystem of modern banking services for all categories of customers
Advantages: • integration with any core banking system • innovations and improvements in the basic version • adapting to the bank’s brand book • integration with other CFT services • support of integration with UBS and FPS platforms • full cycle of card transactions without the issue of a physical medium (disbursement, withdrawal of cash, contactless payment using Apple Pay, Google Pay) • high level of security, full compliance with the requirements of 167-FZ on antifraud • multi-channel communication with customers (chat, notification service)
bank.faktura.ru
22 ONLINE BANKING SERVICES. MARKET LEADERSHIP
TOP 100 customers
Over 130 and other partner banks
Recognized by the expert community
23 ONLINE BANKING SERVICES For retail customers: Full-featured online banking
Extra options:
• online currency conversion • integration with the FPS • instant issue of cards with any status without the plastic • payment of services with intelligent search, i.a. by • actions in push messages single personal account • payment of invoices issued (including fines, taxes) • marketing opportunities: banners for customer groups, • targeted loyalty tools personal offers for certain customers • autopayment of fines with limit setting • smart customer segmentation with machine learning tools • UBS: authentication and sale of bank products to new • recommendations for increasing customer activity customers
24 ONLINE BANKING SERVICES
For corporate customers: Online service for company finance management, from small businesses to corporations
Extra options:
• c2b transfers in the Faster Payments System • geolocation opportunities • self-registration on the bank website • displaying restrictions on accounts • comprehensive work with financial products • advanced AML services: “White Account” for customers, integration • corporate cards with CFT-AML for banks • payroll projects • early loan repayment with online statistics • recognition of invoices and payment documents • seamless integration with online bookkeeping • price plan management • opportunity to use an open API for individual projects • deposit calculator
25 ONLINE BANKING SERVICES
Comprehensive infoservice
Advantages: Kinds of notifications:
• tools for customer switching from sms to push • for Faktura.ru online banking: one-time passwords, • informing customers of bank events via sms, push and notifications of logging-in email • of document sending (to a customer and/or customer counterparty) • standby channels for sending notifications • of the receipt of new documents from the bank • fine tuning of notifications broken down by events • of the change of a customer’s phone number • informing customers in compliance with 161-FZ • of the opening of a deposit agreement, etc. and contractual relations with banks • notifications of bank card operations in CardStandard PC • notifications of events in the CFT-Bank core banking system (loans, • opportunity to “make packages” and sell the service to deposits, cards) customers to acquire extra commission income • optional marketing newsletters • opportunity to configure individual notification texts on the part of the bank
26 CARDSTANDARD PROCESSING CENTER
Largest independent processing center in Russia
Certified service provider of VISA and 2008 >100 MASTERCARD: it has statuses of a VisaNet market entry partner banks in Russia and the processor and Member Service Provider neighboring countries
For over 10 years now, the PC has been rendering a set of high-tech services to banks, including issue, servicing and acquiring of cards of Masterсard and Visa international payment cards 79K devices systems, as well as Russian payment system Mir. >50M in the issue portfolio acquiring infrastructure
cardstandard.ru
27 VENDOR OF THE YEAR CFT LOYALTY PROGRAMS
Technologies for reinforcement of customer loyalty
2016-2020 2015
2005 >300 >550M >100M >2B year of projects loyalty cards members of transactions per establishment the loyalty programs month
Partners
loyalty.cft.ru
and other 28 CFT LOYALTY PROGRAMS
Options: turnkey integrated solution and exclusive solution. MAXIMUM OPPORTUNITIES
REWARDS FROM THE BANK (COMPANY) LOYALTY PROGRAM CONFIGURATION REWARDS FROM PARTNERS MACHINE LEARNING
REWARDS FROM STORES PERSONAL ACCOUNT
29 CFT LOYALTY PROGRAMS
BONUS CARDS
GIFT CARDS CHOOSE YOUR LOYALTY CARD
DISCOUNT CARDS
PAYMENT CARDS
30 ZOLOTAYA KORONA PAYMENT SERVICES SYSTEM Up-to-date, convenient, affordable and reliable services, that link financial organizations, enterprises of various sectors of the economy and payment infrastructure, technologically and organizationally
Areas of business of Zolotaya Korona
Money Transfers MFO Services Loan Repayment Travel Card https://koronapay.com/ http://mfo-korona.com/ https://koronapay.com/ https://t-karta.ru/
One of the TOP 5 largest systems in the world. Leader in Russia and the CIS service outlets 100 partner MFCs and MFOs 31K+ 37 regions of Russia + transactions Kazakhstan 767M+ rub. 2M+ cards issued 41M Annual transfer turnover 9,1M+ travel cards 28M+ transactions 1,9B+ journeys per year 550+ banks
50K+ outlets 49 countries
31 31 KORONAPAY – MONEY TRANSFERS
Service for instant addressless retail money transfers
Online money transfers from cards of any banks of Russia, Belarus, Kazakhstan 6+ 9 and Uzbekistan – on the koronapay.com website and in the mobile app, as well as from cards of any European bank (only in the app) million downloads
• Stable leading positions KoronaPay in Russia, the CIS and on the global market Money Transfers • Best outlet chain coverage among all systems 6+ in Russia and the CIS
• Advanced engineering and marketing support
www.koronapay.com
3232 KORONAPAY – MONEY TRANSFERS
Member banks Russia
and other CIS
and other
Cooperation with largest retail chains
33 KORONAPAY – LOAN REPAYMENT • Repayment of loans from any Russian banks 31K + • Repayment of loans from banks with revoked licenses service outlets • Repayment of loans of the largest microfinance organizations in Russia across Russia • Cash deposit to account • Replenishment of Visa, MasterCard, MIR cards of any bank of the Russian Federation 6+ Online repayment of loans: 2 - at koronapay.com - in the mobile app million downloads Quick receipt of payment to the account (min – instantly, max – 3 business days) 24/7 support
Service infrastructure
Rating 4.9
koronapay.com/repayment and other 3434 PRODUCTS FOR MFOs Efficient IT solutions for the microfinance market
Issue and servicing Disbursement of Online loan of payment cards loans in money repayment on MFO 2013 for MFOs transfers websites, at banks and in retail chains year of establishment 100 MFOs are partners of CFT
mfo-korona.com Partners
35 GIFT CARDS
Visa/Mastercard based cards for solving tasks on motivation, accrual of benefits and organization of prize funds of marketing promotions
Universal cards Mall gift cards For gifts and motivation For retail sales карты 8 years on the market Virtual cards Refillable cards For marketing promotions For long-term motivation with prizes 2,500 clients Restaurant cards Co-branded projects Meal compensation for For improvement of loyalty staff 70+ kinds of cards Cards by benefit categories Special projects/ For social package Cards for events, sports competitions, etc. mygift.ru
3632 TECHNOLOGIES FOR SOCIAL AND TRANSPORT PROJECTS
Electronic Travel Card for cashless fare payment and journey registration
• Over 37 regions of Russia Moscow region, Sochi, Arkhangelsk, Biysk, Bryansk, Birobidzhan, Blagoveshchensk, Veliky Novgorod, Vladivostok, Gorno-Altaysk, Kemerovo, Krasnodar, The system has developed Kostroma, Kurgan, Lipetsk, Magadan, Nalchik, Nizhny Tagil, Novokuznetsk, Novosibirsk, Orel, 9.1M ~1.9B since 2002 active travel and journeys Orenburg, Petrozavodsk, Petropavlovsk- social cards in 2020 Kamchatsky, Rostov-on-Don, Smolensk, Syktyvkar, Tambov, Tula, Ufa, Khabarovsk, Kholmsk, Chelyabinsk region, Cherepovets, Cherkessk, Yuzhno-Sakhalinsk, Yaroslavl
• Republic of Kazakhstan (Almaty)
t-karta.ru
37 37 TECHNOLOGIES FOR SOCIAL AND TRANSPORT PROJECTS
Electronic Travel Card for cashless fare payment and journey registration
Advantages of the solution
• Convenient for users ETC-ONLINE, CFT’s in-house development, helps connect the top-up services with open APIs
• Multifunctional All payment methods available: from cash to travel cards, to bank cards (including MIR cards) to pay services
• Open Unique technology allows developing own software and connecting any systems and cities, with an adequate level of security
38 NATIONAL GOROD SYSTEM kvartplata.ru Set of IT platforms for accrual, collection and processing of payments for regular pay.kvartplata.ru services utilized by companies and individuals every day billing.fsg.ru
Payment collection and processing system 1999 • Diversified infrastructure year of establishment for public services: cash desks, terminals, ATMs, online and mobile services Mobile app • Solutions for providers of online collection > 300 83 of payments and metering payment collecting regions of Russia agents
System for accrual of housing 2001 and utility services year of establishment • IT outsourcing with full support • 2 data centers, own security control services 12 3M regions of Russia accounts
The digital platforms are designed to deal with the tasks of a sole utility company as well as of a whole city with any population size 39 The full technology potential of CFT Group is at your service for successful addressing of your business tasks
(495) 780-50-12 https://cft.group/ (495) 604-12-20 [email protected]