Digital Banking Transformation YL Global Overview Growing and

Digital Banking Transformation

Y&L Global Overview – Growing and Innovating with our Customers

Customer Centric Engagement Models – Flexible & Responsive Engagement Maturity • YOU Specialist • Co-Innovation • Strategic Partnership Right Shoring Strategic Model • Nearshore Ownership Sourcing • Onshore • Hybrid Operating Model • Project Based • BOT Customer • Offshore • Factory Model • Managed Capacity • Managed Service • Outcome Linked Sourcing Operating Model • Insource / GIC • Outsource • Collaborative Ownership • Offshore Development Center • Virtual Customer Center • Build Operate Transfer • Joint Venture Strategic Model • Cloud Transformation • Cost Rationalization • 3 • Rebadging

Delivering Value & Innovation to our Banking Customers Locally and Globally Some Banking Customers 4

Strategic Partnerships Fostering Customer Success 5

Digital Transformation Expertise 6

What do we do? GRC DX = CX OX Helping Banks Achieve Sustainable Growth, using Digital Transformation (DX), delivering Customer Experience (CX) and Operational Excellence (OX), empowered by Governance, Risk and Control. 7

Social Mobility Big Data Cloud UX A , O En mniga Ch ge an me ne nt l, M BP AI/ML Governance, Risk and Controls 8 RP E , Analytics P , R Io. T Operational Excellence Customer Experience Using Digital Transformation to deliver CX, OX & GRC

Y&L Digital Banking Transformation Partners Customer Experience (CX) Wealth Management / Investment Management Regulatory Reporting Risk monitoring & Control 9 Commerci al Lending Liquidity Corporate Banking Trade Finance M&A Lending Cards & Payments Core Banking Investmen t Banking Capital Market s Retail Banking Operational Excellence (OX) Governance, Risk & Controls (GRC) Digital Transformation (DX)

Y&L Banking Industry Digital Transformation Offerings Empower Envision Execute • Omni Channel Banking • Customer Journey Mapping • Digital & Social Strategy • Design Thinking • CRM & Social Analytics • Agile Consulting • • MS Dynamics & Salesforce Hadoop, Casandra Tensorflow, Spark Python, Scala, R • • Angular JS React JS IOS, Android Xamarin Customer Experience (CX) • New Banking Business Models • Banking Processes Transformation • Automation Strategy • Banking Applications Portfolio Rationalization • Architectural Consulting • Technology Process Transformation • Dev. Ops consulting • Legacy Modernization • Cloud consulting • • • • Corda, Hyperledger, Ethereum Automation Anywhere Blue. Prism, UIPath Open. Span, Workfusion SAP, Pega, MS Dynamics Calypso, Murex GMI/Clearvision, Summit Azure, AWS Selenium, HP QTP JMeter, HP Load. Runner Mainframe/AS 400 Java, Java. EE, Spring. NET, ASP. NET • • • SQL Server Oracle Mongo. DB DB 2 Infra Mgmt. & Support Operational Excellence (OX) • • Tableau, Qlik. View Info Sec SOC/NOC Collaboration Platforms • • Digital Banking Assessment DX Roadmap Governance Advisory Communication Strategy 10 • • • Reg Reporting Compliance Analytics Risk Dashboards KRI Monitoring PMO Governance, Risk & Controls (GRC) Digital Transformation (DX)

Thank you.