BCT DIGITAL Adamant Congny a0 Ole lla es CR eC RC zie mel dc 0F ere -based credit lifecycle management Dem Olal Sani achi A RiskTech 100 2023 Tre ‘ '© 2023 BCT Digital - All Rights Reserved!rt360 Btdrrat iatersremee Adamant Congny Overview Tackle credit risks arising from Maintaining healthy asset quality is the #1 focus for lenders today. In addition, they have to constantly introduce new products and services to protect and grow their market share amidst fierce competition. The rapidly evolving regulatory landscape has made lending even more complex. Against this backdrop, financial institutions must leverage technology and advanced analytics to effectively manage risks and inefficiencies arising from various stages of the loan life cycle; from origination and pricing to monitoring, stress-testing and collections. rt360 Credit Risk Suite Cloud-ready 1360 Credit Risk Suite is a transformative one-stop solution to manage the entire credit lifecycle. ‘ . The cloud-ready rt360 Credit Risk Suite enables lenders to have tighter control over their asset book at any point in the credit lifecycle. The suite includes origination and risk-based pricing, credit and fraud monitoring, stress testing, collection analytics, and other value-added services; all on the cloud — It provides accurate risk-based pricing, and enables credit decisioning, early risk detection and monitoring for proactive intervention and streamlined collections planning. The suite is powered byadvanced = AI/ML algorithms, data analytics, workflows, and extensive reporting and dashboarding tools. ow '© 2023 BCT Digital - All Rights Reserved!rt360 = Bidirat Adamant Congny a = Key products rt360 Early Warning System (EWS) ® Advanced risk detection, management, and mitigating action tuned to institutions’ regulatory needs and risk appetite through a host of contextual early warning triggers for every portfolio 1360 Retail, Agri and MSME (RAM) Monitoring Account-level and portfolio-level solution focused on low-ticket, high-volume loans 1360 Collections Management system Automated collection processes enabling higher collections efficiency and improved cashflow forecasting ability rt360 Expected Credit Loss (ECL) Atech-enabled solution helping banks to estimate credit loss systematically rt360 Credit Audit Streamlined process facilitating seamless audit of credit appraisal, loan sanction, post sanction monitoring, end use of funds and others rt360 Risk Adjusted Return on Capital (RAROC) Calculator Asscientific approach enabling risk-based dynamic pricing, efficient capital allocation and reduced cycle time for credit processing Features Microservices-based architecture, scalable and responsive (web & mobile) Open APIs for internal and external data sources End-to-end automation of data extraction Flexible, modular and hybrid (cloud, on-premises) deployment Business first, te Domain expertise and proven experien: aya ea) RUae mera] '© 2023 BCT Digital - Al Rights Reserved!BCT DIGITAL Adamant Congny rt360 Value Proposition 0 Improved asset quality 4 Reduction in NPL/ECL provisions Proactive identification of stressed Reduction in ECL, loan loss provision accounts and capital requirements Risk bucketing and scoring Proactive identification and Targeted actions leading to faster management of Stage-I/Stage-Il collections and closures transitions Reduction in bad-debts AL Higher collections efficiency & Effective customer engagement Streamlined collection processes Personalized customer through automation communications Centralized repository for follow-up Early nudging based on prioritized and tracking buckets/self-cure identifications Close monitoring of collector efficiency /t Focus on credit growth and profitability 0 Lowest TCO Right allocation of capital at the right Modular architecture for phased pricing deployment Improved productivity of resources Flexible modes of deployment and due to automation of credit delivery pricing Enhanced accountability and operational efficiency Enhanced payment and cashflow forecasting About BCT Digital BCT Digital is an awarc-winning digital transformation company delivering FinTech, RegTech, and CleanTech solutions to international banking and financial markets, and key industry sectors, Ranked among the top 100 global risk management companies by Chartis Research, the company offers disruptive, new-age solutions that empower large organizations and transform the way they do business, BCT Digital has transformed some of the world's leading financial institutions through its flagship 1360 Risk Management Suite theit drenws on the strengths of next-generation technologies, sophisticated Al/ML models, data-driven algorithms, and predictive analytics. BCT Digital is part of the CMMI L5-certified Bahwan CyberTek (BCT) Group present in 20+ countries across the Middlle East, North America, Far East, Africa, and Asia To request a demo, write to us at betdigital@bahwaneybertekcom,