Source Universal Banking APIs Using BIAN Architecture Framework

ﻣﻌﻤﺎﺭی ﺍﻧﻌﻄﺎﻑپﺬیﺮ Source: Universal Banking APIs Using BIAN Architecture Framework - IBM 2015 Designed By: 64 6 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

Reference Data Sales & Services Party Channel Specific Marketing Party Data Management Channel Location Management Business Development Contact Center Management Brand Management Branch Network Management Advertising Customer Profile E-Branch Management Promotional Events Advanced Voice Services Mgmt Prospect Campaign Mgmt Syndicate Management ATM Network Management Prospect Campaign Design Interbank Relationship Mgmt Contact Center Operations Customer Campaign Mgmt Correspondent Bank Rel Mgmt Branch Location Operations Customer Campaign Design Correspondent Bank Data Mgmt E-Branch Operations Customer Surveys Sub Custodian Agreement Advanced Voice Services Ops Product Service Agency ATM Network Operations Product Broker Agreement Branch Currency Management Prospect Campaign Execution Contractor/Supplier Agreement Branch Currency Distribution Prospect Management Market Data Information Provider Operation Market Information Mgmt Financial Market Analysis Financial Market Research Quant Model Market Data Switch Adm Market Data Switch Ops Financial Instr Ref Data Mgmt Counterparty Administration Public Standards Location Data Management Sales Product Inventory Item Mgmt Lead/Opportunity Management Product Inventory Distribution Customer Campaign Execution Cross Channel Customer Offer Sales Planning Party Authentication Underwriting Transaction Authorization Commission Agreement Point of Service Commission Servicing Event History Product Matching Servicing Activity Analysis Customer Products Product Design Product Combination Product Deployment Investment Management Trade Finance Loan Investment Portfolio Planning Bank Guarantee Leasing Investment Portfolio Analysis Trade Finance Current Account Investment Portfolio Mgmt Deposit Account e. Trading Workbench Cards Corporate Banking Products Wholesale Trading Credit Management Credit/Charge Card Trading Book Oversight Credit Facility Card Authorization Trading Models Corporate Current Account Card Capture Dealer Workbench Project Finance Card Billing & Payments Quote Management Limit & Exposure Management Suitability Checking Syndicated Loan Credit Risk Operations Cash Mgmt & Account Svs Market Making Direct Debit Mandate ECM/DCM Direct Debit Merchant Relations Consumer Services Corporate Trust Services Remittance Program Trading Cheque Lock Box Traded Position Management Factoring Bank Drafts & Trvl. Checks Market Order Product Expert Sales Support Brokered Product Market Order Execution Contact Routing Product Sales Support Consumer Investments Customer Contact Session Hdlr Sales Product Customer Tax Handling Market Operations Interactive Help Customer Mgmt Customer Prod. /Service Eligibility Customer Agreement Sales Product Agreement Customer Access Entitlement Customer Behavioral Insights Customer Credit Rating Product Quality Assurance Account Recovery Business Area Customer Event History Corporate Finance Payments 9 Financial Statements IT Stds & Guidelines Financial Control Corporate Treasury Systems Administration Financial Compliance Asset Securitization Development Environment Enterprise Tax Administration Asset & Liability Management Systems Development Bank Portfolio Analysis Production Release Bank Portfolio Administration Systems Deployment Stock Lending/Repos Models Market Risk Models Gap Analysis Credit Risk Models Liquidity Risk Models Economic Capital Business Risk Models Customer Behavior Models Fraud Models Credit/Margin Management Production Risk Models Operational Risk Models Systems Operations HR Policies Direction Employee Assignment Systems Help Desk Employee Data Management Systems Assurance Employee/Contractor Contract Internal Network Operation Employee Certification Non IT & HR Enterprise Services Employee Payroll & Incentives Employee Evaluation Corporate Tax Advisory Public Offering Business Analysis Trade Confirmation Matching Private Placement Segment Direction Order Allocation Product Portfolio Settlement Obligation Mgmt. Customer Portfolio Security Dlvry & Receipt Mgmt. Branch Portfolio Securities Fails Processing Channel Portfolio Trade/Price Reporting Competitor Analysis Custody Administration Market Research Corporate Events Market Analysis Financial Instrument Valuation Contribution Analysis Regulations & Compliance Employee Access Internal Audit Employee Benefits Security Advisory Workforce Training Security Assurance Recruitment Approved Supplier Directory Procurement Company Billing & Payments Fixed Asset Register Management Manual Intellectual Property Portfolio Knowledge Exchange Property Portfolio Corporate Relations Site Operations Corporate Communications Site Administration Corporate Alliance/Stakeholder Equipment Administration Corporate Relationship Equipment Maintenance Regulatory & Legal Authority Utilities Administration Investor Relations Building Maintenance Business Command & Control Organizational Direction Business Direction Corporate Strategy Corporate Policies Product & Service Direction Business Unit Financial Analysis Guideline Compliance Business Architecture Operational Services Business Unit Financial Ops Regulatory Compliance Continuity Planning Business Unit Accounting Payments Execution Transaction Journal Issued Device Admin Compliance Reporting Business Unit Direction Financial Message Analysis Reward Points Account Issued Device Tracking Regulatory Reporting Business Unit Management Customer Order Financial Message Gateway Accounts Receivable Disbursement Fraud/AML Resolution Payment Order Correspondent Bank Fulfillment Account Reconciliation Open Item Management Financial Accounting Contact Management Cheque Processing Counterparty Risk Leasing Item Administration Central Cash Handling Position Management Dunning Collateral Administration Fraud Detection Customer Billing Transaction Engine Rewards Points Awards & Red. Collateral Allocation Mgmt Knowledge & IP Management Buildings, Equipment & Facilities Card Case Business Domain Travel & Expenses Legal Compliance Contribution Models Unit Trust Administration Human Resource Management Platform Operations Financial Inst. Valuation Models Hedge Fund Administration Channel Activity Analysis Channel Activity History Collections 64 Finance IT Systems Directions Corporate Treasury Analysis M&A Advisory Account Management IT Management Customer Case Collateral Asset Administration Designed By: Bank Portfolio & Treasury Mutual Fund Administration Cross Products Operations Servicing Issue Customer Case Management Corporate Financing & Advisory Services Customer Workbench Servicing Case Root Cause Analysis Ø 5 Business Areas Ø 40 Business Domains Ø 280 Service Domains Letter of Credit Currency Exchange Product Training Discount Pricing Corporate Products Customer Loans & Deposits Customer Relationship Mgmt Product Management Financial Markets Business Support ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک Service Domain Document Mgmt & Archive Document Services Archive Services Correspondence The BIAN Service Landscape v 4. 0 External Agency Information Provider Admin Risk & Compliance Operations & Execution

BIAN Service Operations v 4. 0 Designed By: 64 10 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

ﻣﺴیﺮ پﺮﻭژﻪ Source: BIAN Introduction Day - Toronto, 2015 Designed By: 64 12 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

BIAN ﺳﺎﺧﺘﺎﺭ ﻣﻮﺳﺴﻪ Source: BIAN Introduction Day - Toronto, 2015 Designed By: 64 13 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

ﻧﺤﻮﻩ ﺗﺪﻭیﻦ ﺍﺳﺘﺎﻧﺪﺍﺭﺩ Source: BIAN How-to Guide, Applying the BIAN Standard, March 2015 Designed By: 64 16 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

ﻣﻮﺟﻮﺩیﺘﻬﺎ Object Types Production Capabilities e. g. fulfillment, distribution & sales Product Delivery Capability Financial Facility • Credit/debit card • Current account • Corporate current account • Credit line • Line of credit Financial Transaction • Payment • FX Exchange • Loan • Syndicated loan • Leasing • Deposit • Bearer document • Letter of credit • Bank guarantee • Factoring • Stock lending/Repo Traded Instrument • Price/quote • Order • Trade • Matching • Confirmation • Clearing • Settlement • Custody Financial Service • Brokered product • Trust • Remittance • Advisory • Public offering • Private placement • Cash management • Direct debit • Investments • Trade finance • Project finance Designed By: 64 19 Product/Service Operations • Accounting • Commissions • Payments • Valuations • Underwriting • Collateral • Fraud detection • Transaction orchestration • Transaction consolidation • open item • Booking • Documents Instrument Maintenance Product Inventory • Materials • Tokens Production Analysis • Product/service • Counterparty risk • Composite position • Gap • Compliance • Contribution Central Resources e. g. H. O, fixed assets & capital Distribution Capability Bank Facility Operations • Trading floor • Dealing position • Branch • Location • Teller/Position • Call center • Servicing position • IVR • ATM • E-Branch • Social Network Information Provider • Credit agency • Market research • International standards • Financial market reference • Financial market research • Finncial market analysis • News Financial Market Access • Price/quote reporting • Deal capture • Deal matching • Deal reporting • Deal booking Information Switch Customer Servicing • Orders • Issues Channel Operations • Cross channel services • Branch network • PBX/VRU • ATM network • E-Branch network • Internet gateway • Correspondence Physical Distribution • Warehousing/stora ge • Archive services • Distrubution fleet Sales & Marketing Campaign • Advertising • Prospect • Customer Selling Surveys Enterprise Resource Head Office • Board of Directors • Business Model • Corporate Communications Reputation/Recogn ition • Goodwill • Brand Business Development • Sales& marketing • Advertising • Prospect campaign portfolio • Internal campaign portfolio Support services • Legal • Audit • Process • Product • Security • Finance/AML • Human resources • Training • Product • Applications • development • Systems production Enterprise Analyses • Segment • Product • Customer • Branch • Channel • Property Finances Capital • Cash • Fixed assets Committed cash flows • Income/revenue • Expenses Assets & Liabilities • Balance-sheet • Off balance-sheet Financial Analyses • Market risk • Counterparty • Capital Buildings & Equipment • Office equipment • Fleet/distribution • Consumables Building • Offices • Ops canters • Branches Systems • IT Platforms Relationships e. g. employees & partners Intellectual Property e. g. knowhow & knowledge Workforce Knowhow Business Units Product/Service • Profit centers • Cost centers • Project teams • Product bundle Employees • Financial • Directors • Managers • Staff External Parties Customer • Prospect • Consumer • HNW • Corporate • Multinational • Institutional • Counterparty • Syndicate Partner • Supplier • Product service provider • Broker • Custodian • Correspondent • Agency • Investor • Development Authority Environment • Processing & Storage • Communications • Regulator • Auditor • Legislator Model • Quant • Market risk • Instrument valuation • Credit risk • Liquidity risk • Business • Behavioral • Operational • Rating Procedures • Business • Operational • Management Applications/IP • Technique/method • Standard • Business achitecture Knowledge General Market • Market insights • Competitor insights • Location • Deployment • Certification • Installation Source: BIAN Core Team Meeting - Abu Dhabi, 2015 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

چﺸﻢﺍﻧﺪﺍﺯ Source: BIAN Core Team Meeting - Abu Dhabi, 2015 Designed By: 64 21 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

ﻭﺿﻌیﺖ ﻣﻮﺟﻮﺩ KEY: Legacy systems capabilities The steps in a process Source: BIAN Core Team Meeting - Abu Dhabi, 2015 Designed By: 64 23 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

ﻭﺿﻌیﺖ آﺘی KEY: Legacy systems capabilities Targeted and ‘wrapped’ solutions seed the migration Stabilized Service Domains wired into repurposed legacy Stabilized Service Domains operating as a service network Source: BIAN Core Team Meeting - Abu Dhabi, 2015 Designed By: 64 26 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

ﻓﻬﺮﺳﺖ ﺳﺮﻭیﺲﻫﺎ Source: Applying the BIAN Standard - BIAN 2015 Designed By: 64 27 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

API ﺍﺭﺍﺋﻪ ﺳﺮﻭیﺲﻫﺎی ﺑﺎﻧکی ﺑﺎ ﺍﺳﺘﻔﺎﺩﻩ ﺍﺯ Source: Universal Banking APIs using BIAN Architecture Framework -IBM 2015 Designed By: 64 29 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

BIAN ﺩﺭ API کﺎﺭگﺮﻭﻩ Source: www. BIAN. org (Member Area) Designed By: 64 30 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

ﺍﺭﺯیﺎﺑی گﺎﺭﺗﻨﺮ Source: Transformational Disruptions in Banking by 2025 – Gartner 2015 Designed By: 64 32 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

BIAN ﺍﺯ ﺟﻬﺖ ﺗﻄﺒیﻖ ﺑﺎ ﺍﺳﺘﺎﻧﺪﺍﺭﺩ FIS آﺰﻣﻮﺩﻥ ﺑﺨﺸی ﺍﺯ ﺳیﺴﺘﻢ ﺑﺎﻧکﺪﺍﺭی ﺷﺮکﺖ • ﻧگﺎﺷﺖ ﺑیﻦ ﺩﺍﻣﻨﻪﻫﺎی ﺳﺮﻭیﺲ ﻭ ﻣﺮﺍﺣﻞ ﻓﺮﺍیﻨﺪ Started with Business Process Flow Defined the Service Domains participating in the Business Process Flow Assigned a Service Domain to each candidate service in the Business Process Flow Source: BIAN Core Team Meeting - FIS 2015 Designed By: 64 36 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

BIAN ﺍﺯ ﺟﻬﺖ ﺗﻄﺒیﻖ ﺑﺎ ﺍﺳﺘﺎﻧﺪﺍﺭﺩ FIS آﺰﻣﻮﺩﻥ ﺑﺨﺸی ﺍﺯ ﺳیﺴﺘﻢ ﺑﺎﻧکﺪﺍﺭی ﺷﺮکﺖ • ﺗﻌییﻦ ﺳﺮﻭیﺲ ﻋﻤﻠیﺎﺗی ﻣﺘﻨﺎﻇﺮ Started with Business Process Flow Defined the Service Domains participating in the Business Process Flow Assigned a Service Domain to each candidate service in the Business Process Flow Mapped the candidate service to a Service Domain Operation Source: BIAN Core Team Meeting - FIS 2015 Designed By: 64 37 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

ﻣﺪﻝ ﻣﻮﻟﻔﻪﻫﺎی کﺴﺐﻭکﺎﺭ ﺑﺎﻧکﺪﺍﺭی Customer Base Development Customer Dialogue & Touch Points IFW Generic Interaction Involved Party External Campaign Customer Sales Support Customer Base Development Execution Reference Information Self Customer Sales Support Customer Surveys & Research Internal Campaign Execution Customer Behavior Customer Surveys. Execution Internal Campaign Product/Sales Advertising Interaction Direction & Research Execution Modeling. Inventory Distribution External Campaign Execution Involved Party Reference Information Advertising Execution Customer Behavior Modeling Customer Sales & Contact Routing Teller Administration Contact Handler Underwriting ATM Oversight Customer Portfolio Campaign. Direction Interaction Oversight Business Development Product Capability & Development Cards Issuance & Administration Product Deployment Product Bundling Production Direction Corporate & Advisory Services Products e. Trading Portfolio Services Lock-box Operations Trade Order Services FX/MM Market Making Stock Lending & Repos Agreement & Relationship Oversight Market Making Dept/Equity Private Placement Equities Customer Derivatives Transaction Stock Lending Consolidator Commodities& Repos Investment Services Operational Services Branch Electronic Trading Market Analysis Planning Handling Distribution Channel Services Distribution Oversight Production Planning Management & Oversight Channel Distribution Network Quantitative Analysis Services Unit Trust Financial Market Analysis Hedge Fund Syndicate Document Management Investment Shareholder Position/Balance Trade Finance Collections & Recovery & Archive Services & Management Maintenance Portfolio Planning Services Administration Market Asset/Trust Market Asset Valuation Account Services Wire Room Account Reconciliation Custodial Market Services Asset/Trust Planning & Pricing Market Asset Valuation Operations Planning Fails Handling Financial Operations Rewards Administration Operational Services Oversight Financial Operations Taxation Administrative Administration Services Clearing & Settlement Human Resources Policies & Planning Employee Assessments Training & Development Human Resources Employee Training & Payments Correspondent Relations Correspondent Oversight Clearing & Settlement Enterprise Direction Services Administration Certification & Expenses Certification & Analysis & Expenses Oversight Policies & Planning & Ent. Planning Facilities Business Unit Procurement Maintenance &Maintenance Facilities & Business Unit Procurement Administration Oversight Business Unit Oversight Administration Operations Alliances Planning & Analysis Employee Business Dev. Policies & Segment Planning Employee Status Incentive & Employee Fixed Asset Corporate Legal Incentive & Employee Payroll Fixed Asset Alliances Oversight. Facility Status Facility Administration Ledger Corporate Legal Services Employee Assessments Compensation & Reference General Ledger Compensation Payroll Admin Planning & Tax Oversight & Analysis Register Administration Information Services & Reference Admin Information Administration Correspondent Enterprise Direction Business Oversight Procurement Business Unit Procurement Strategy Policies & Planning Oversight & Ent. Planning Facilities & Procurement Business Strategy Alliances Administration Planning Business Unit Planning Alliances Administration Development Model Research Oversight Business Development Alliances Employee & Worker Employee Management Oversight Planning Benefits Qualification & Travel & Employee Travel Oversight Human Resources Employee Benefits Worker Qualification Policies & Planning Administration Accounting Services Market Data/Feed Operation Correspondent Relations Alliances Facilities & Procurement Workforce Management Operational Services Taxation Administrative Market & Competitor Fails Handling Facilities Management & Payments Alliances Management Market Research Workforce Management Facilities & Procurement Oversight Analysis Human Employee Services Resources Oversight Wire Room Oversight Custodial Services & Pricing Product Portfolio Cust Acctg-Credit & Loan Planning Acctg Investment Portfolio Prime Brokerage Cards Operational Services Customer Accounting Entitlement. Accounting Processing Entitlement Processing Bank Guarantees Cash Management Item Processing Non-Cash Inventory Customer Direction Investment Finance Non-Cash Inventory Services Correspondence Administration Authorizations Collateral Administration Investment Administration Collateral Services Finance Correspondence Business Development Administration Oversight & Tax Market Asset Maintenance Enterprise Relations Enterprise Portfolio Trading Market Tracking Analysis Cash Flow/Maturity Ladder Maintenance Investment Products Financial Market Analysis Oversight Operations Capital Investment Credit Facility Fraud/AML Detection & Financial Investment Trading Market Hedge Fund Management Resolution & Risk Direction Accounting Services Policies & Planning Analysis. Market Financial Cash Flow/Maturity Business Unit Tax Enterprise Portfolio Administration Ladder Information Services Financial Market Tracking Corporate && Institutional Communication & Investment Business Unit Financial Business Unit Reference & Directory Financial Market Loan Acctg Fund/Market Asset Operations Accounting Portfolio Data Maintenance Data. Administration Maintenance Analysis Oversight Asset Securitization Enterprise Portfolio Management Market & Syndication Management Financial Control & Finance & Risk Information Reporting Management Oversight Market Maintenance Market Data/Feed Information Provider Information Operation Oversight Finance & Risk Finance Planning & Counterparty External Data Planning Enterprise. Management Portfolio Enterprise Portfolio Maintenance Planning Analysis Administration & Assessment Planning Oversight Business Systems & Knowledge Market Asset Counterparty External Data Planning Business Systems Business Maintenance Administration & Assessment & Knowledge Training & Knowledge Systems Capital Investment Awareness Exchange Oversight Business Systems & Risk Direction Training & Awareness Knowledge Exchange Information Provider Oversight Corporate Relationship Administration Business Infrastructure ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک Maintenance Information Cust Acctg-Credit Services Correspondent Enterprise Relations Corporate Administration Relations Policies & Corporate Relations Planning Policies & Planning Stakeholder Corporate Investment Relationship Investment Corporate Relationship Stakeholder Relations Management Business Infrastructure 51 Market Order & Services Oversight Treasury Credit/Margin Operations Policy & Planning Fund/Market. Enterprise Asset Portfolio Asset Securitization Enterprise Portfolio Administration & Syndication Risk & Recovery Services Direction Management Unit Trust Quantitative Analysis Enterprise Portfolio Services Oversight Credit Planning Facility Fraud/AML Detection & Treasury Collections & Recovery Mutual Fund Management Resolution Risk & Recovery Services & Archive Fund Services Transfer & Account Payment Planning. Services Customer Account Oversight Market & Competitor Analysis Business Development Direction Operations Planning Business Dev. Policies & Segment Planning Rewards Administration & Analysis Media Services Enterprise Portfolio Direction Debt Commodities. Mutual Fund Credit/Margin Investment Portfolio Performance Analysis Services. Securities & Asset Services Management Account Services Investment Products Derivatives Customer Processing Fund/Market Asset Electronic Cash & Currency Branch Customer Cards Financial Account Handling Planning & Development Deposits Capture Business Development Direction Distribution Network Oversight Operational Services & Analysis Direction Model Research 64 Market Information Customer Credit/Margin Oversight Market Order & Services FX/MM Policy & Planning (switch) Operation Mkt Trade Confirm. & Debt Execution Oversight Rating Order Management Allocation Credit Risk Direction Equities Product Oversight Fund &Processing Dept/Equity Customer Instrument Channel Oversight Market Research Designed By: Market Regulatory Credit Risk Direction. Market Risk & Mkt Trade Confirm. & Trade Order Services Scoring Models Allocation Relations Admin Order Management Investment Trading Investment Syndicate Maintenance Trade Finance Services Fund Transfer & Cards Financial Capture Deposits Merchant Relations. Payment & Services Instrument Oversight Dept/Equity. Portfolio Policies & Planning & Administration Trust Services Lending Investment Product Operations Issuance Product Bundling Services Deployment Production Planning & Investment Portfolio Prime Brokerage Cards IPO Bank Guarantees Cash Management Item Processing Analysis Portfolio Management Administration Services Fund & Dept/Equity Distribution Channel Fund/Market Services. Asset Media Services Account Services. Authorizations Securities & Asset Services Instrument Oversight Planning & Development Investment Portfolio Cards Issuance & e. Trading Portfolio Lock-box Corporate Advisory Production Oversight Private Product Oversight Product Development Performance Analysis Administration Services Account Operations Reconciliation Services Operational Services Placement Product Portfolio Cash & Currency Document Management Shareholder Position/Balance Product Development Operational Risk Market Trading Operational Risk Management Trader/Book Oversight Contact/Event History Market Regulatory Compliance Guideline Compliance Execution Case & Exception Regulatory Guideline Market Information Agreement & Customer Transaction Customer Credit Rating Trader/Book Customer Case & Exception Handling (switch) Operation Compliance Relationship Oversight Consolidator Execution Compliance Market Risk & Scoring Market Regulatory Contact/Event History Models Relations Admin Oversight Arrangements Handling Customer Arrangements IPO Production Oversight Market Trading Management Business Development Production Case & Exception Handling Assurance Risk Assurance Program Trading & Risk Finance & Finance Risk Management Teller. Agency & Broker Relations Securities Production Sales Support Securities. Depository Products Administration Agency & Broker Relations Acquisition Customer Portfolio Receipts Agency & Brokered Product Planning Oversight Coordination Planning Universal Products Customer Sales & Customer Sales. Planning & Underwriting Corporate & Services Planning Services Oversight ATM Products Depository Receipts Agency & Brokered Production Merchant Relations & Instrument Direction Oversight Coordination Trust Services Lending Universal Products Product Capability & Development Operations Issuance Program Customer Trading Relationship Market Management Execution Entitlement Relationship Brokered Product Sales Customer Entitlement Brokered Product & Sales Management & Sales Call Center Sales Support Risk Financial Markets Participation Customer Insights & Arrangements Self Service Contact Handler Customer Sales & Services Oversight Services Planning Customer Portfolio Campaign Service Product/Sales Inventory Distribution Financial Markets Participation Customer Insights & Arrangements Customer Dialogue & Touch Points Oversight Business Systems Planning Production Assurance Business & Systems Architecture Systems Development & Deployment Business Systems Planning Intellectual Business Policies Property Business Unit Policies & & Tax Procedures Maintenance Administration Intellectual Property Maintenance Systems Audit & Legal Systems Audit Development & Operations Business. Compliance Unit Compliance Deployment Business Unit Operations Financial Accounting Operations Finance & Risk Management Oversight Financial Control & Reporting Finance & Risk Management Planning Finance Planning & Analysis Legend Interaction Direct Control Execute • 6 Business Areas • 36 Functional Area Domains • 201 Biz Component

ﻣﺪﻝ ﻣﻮﻟﻔﻪ ﻫﺎی کﺴﺐ ﻭ کﺎﺭ ﺳپﺮﺩﻩ ﻣﺪﺕ ﺩﺍﺭ Customer Arrangements Deposits Case & Exception Handling Production Oversight Procurement . . . Provide Arrangement Proposal Implement Rollover Administer Dispute Resolution Provide Interest Rate Change Administer Resource Item Activation . . . Provide Arrangement Offer . . . Provide Arrangement Statement Administer Arrangement Termination . . . Designed By: 64 53 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

ﺯﻧﺠیﺮﻩ ﻫﺎی ﺍﺭﺯﺵ ﺑﺎﻧکﺪﺍﺭی Lending (2) 64 54 Mortgages Payments Transfer Services Cash Management Transfer Services Trade Finance Savings, Investments & Deposits Card Products Administration Sales & Relationship Management Regulatory & Compliance Corporate Actions Wealth Management Best Execution / Mi. FID Designed By: Human Resource Administration Trade Processing Product & Marketing Management KYC/Account Opening ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک Asset & Liability Management

ﻣﺪﻝ ﺯﻧﺠیﺮﻩ ﺍﺭﺯﺵ ﺳپﺮﺩﻩ ﻣﺪﺕ ﺩﺍﺭ Activate Deposit Arrangement Provide Resource Item Issuance Administer Resource Item Activation Provide Arrangement Proposal Propose Offer Activate & fulfill Provide Arrangement Balance Calculation Review Product Arrangement Review Customer Portfolio Administer Review Mature Operational Risk Management Monitoring, Control and Customer Insight Provide Arrangement Offer Designed By: 64 55 Provide Arrangement Statement Administer Dispute Resolution Modify Involved. Party Details Implement Rollover Provide Interest Rate Change Provide Maturity Prenotification ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک Administer Arrangement Termination Administer Business Account Closure

ﻣﺪﻝ ﺯﻧﺠیﺮﻩ ﺍﺭﺯﺵ ﺳپﺮﺩﻩ ﻣﺪﺕ ﺩﺍﺭ Activate Deposit Arrangement Provide Resource Item Issuance Administer Resource Item Activation Provide Arrangement Proposal Propose Offer Activate & fulfill Provide Arrangement Balance Calculation Review Product Arrangement Review Customer Portfolio Administer Review Mature Operational Risk Management Monitoring, Control and Customer Insight Provide Arrangement Offer Designed By: 64 56 Provide Arrangement Statement Administer Dispute Resolution Modify Involved. Party Details Implement Rollover Provide Interest Rate Change Provide Maturity Prenotification ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک Administer Arrangement Termination Administer Business Account Closure

Activate Deposit Arrangement Designed By: 64 57 ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک

Activate Deposit Arrangement Involved. Party Reference Information Customer Arrangements Customer Accounting Non-cash Inventory Administration Retrieve Full Customer Details Determine Customer identification Requirement Record Arrangement Acceptance Details Retrieve Arrangement Activation Condition Verify Arrangement Activation Requirement Establish Involved. Party Activate Customer Designed By: 64 58 Open Business Account Establish Deposit Arrangement Provide Resource Item Issuance ﺷﺮکﺖ ﺧﺪﻣﺎﺕ ﺍﻧﻔﻮﺭﻣﺎﺗیک