1

– expect more from us

Company introduction March 2017

BQS PAGE 2

Background Organization

Banqsoft facts / highlights Market presence & est. market share1

• Banqsoft is a Norwegian software company that was established in 1994. Today, the company has more than 182 employees

• Offices in Oslo, Sweden, Denmark, Poland and Finland. • The company is a leading provider of financial software solutions in

the Nordic region to banks and asset finance providers • The software suite, View 21, consists of one standardized platform

with generic interfaces and components to all customers • Core software offering delivered by a team of experienced

professionals with deep knowledge within banking and asset financing

~60

>85

20,000

34M

31

20+

13%

customers

installations

systems users worldwide

number of transactions per month

countries where the software is in use

years of software development and experience

average annual growth in revenues since 2007

Johnny Rindahl, CEO

Eje Öberg CFO

Consulting Services

Financial Solutions

Operational Services

Sales & Marketing

• Sales & Marketing activities

• Support & maint. • App. Operations • Service mgmt. • ASP team

• Product management • Core solutions • Research &

development • Release & test mgmt.

• Business, Project Mgt,output & system consulting

• Front solutions

Oslo (50)

Helsinki (3)

Stockholm (58)

Cph.

Warsaw (2)

Gdansk (40)

Asset financing Niche banks

Software customers Offices Partner office

Conventional banks

30-40%

15-20%

5-10%

5-10% <5%

~5%

<5%

~10-15% ~5%

<2%

Not present

<2%

# =number of FTE

46 7

City (# = FTE)

9

182

Consulting Services

Operational Services

60 60

160906 KMD FSI Strategy SteerCo V full deck v6.pptx 3

Draft—for discussion only ©KMD

&

IBM & BANQSOFT

Strengthening end-customer experience Broad product offering with opportunities for unique design and strong ability to integrate

through open API

Predictable cost of ownership Transparent pricing model and proven track record of delivery and satisfied customers

Short time-to-market Fast response to the new market demands and accelerated lead time for front-end components

Improved customer efficiency Reduced complexity and automated processes

to increase speed and productivity

Security in delivery 270 man years of development invested in

system & ability to leverage extensive competencies in Banqsoft

Combined products and services... ... creating a strong value proposition

Local teams

Application Management

Big Data

SoftLayer

Integrations

Analytics

Loans

StockFinance

Leasing

Equipment Finance

Extensive integrations

Front-end solutions

Open API

Cloud

Infrastructure

Fleet Finance

Securitization

What does the Banqsoft software suite cover?

Deposits / account credit

Factoring

Loans

Credit Cards

Leasing

Stock financing

Fleet management

Deposit solutions – first introduced in 1998 when Riksgälden became Banqsoft customer

Deposit products include fixed term accounts, savings accounts, notice/semi-demand accounts and tiered rate accounts

Invoicing solutions and invoice management

Solution for management of credit cards ‒ Support throughout the full process from

application through active user ‒ Delivered in cooperation with partner

Amortized loans Revolving credit Hire Purchase

Solutions for various types of leasing: ‒ Financial leasing ‒ Operational leasing

Wholesale, consigning etc. Inventory management of vehicles, equipment etc.

Management of all incoming costs related to a portfolio of vehicles, equipment etc.

A variety of different applications covered under the View21 software suite

Select customers Description

5

The View21 system overview

Dealer / Consumer Finance company / Bank

Capturing new business Credit application and calculation Credit decision News channel Contract documents

Report development, repository and subscription

Use

r ex

ampl

es

Customer solution

Bank customers

Customer portal Authorization Log on/off routines User profile Mobile devices

Dealer gateway Wholesale financing Stock administration Sales reports Invoice overview Factoring

Case process workflow Credit application and

calculation Credit decision support Dealer and customer

administration Sales incentives Document handling

Supported products: Loan Leasing Credit lines Hire purchase Deposit and funding Fleet management Factoring

Consignment and wholesale financing

Framework

agreements Vehicle ordering Fuel card management Additional services Pricing Budgeting

Portal for fleet managers

Car retailers

Com

mon

fram

ewor

k fo

r all

fron

t sol

utio

ns

Customer internal workspace

Data Layer

Sales Account Customer Card

PreView CoreView ReView

External Services Plug ins

Microsoft SQL Server 2014

Microsoft WCF WS-Basic WS.*

TCP, Named Pipe Reports

CoreView

DB

Fleet DB

PreView

DB

ReView

DB

DW DB

Business Logic Layer (Module based)

Sales Account Customer Card Reports

Service Layer

Windows Service Microsoft .NET 4.6

Presentation Layer

TypeScript Knockout Bootstrap

WebAPI REST Services

FrontView Framework

Packaged as web application pr.

Installation (Netbank, Dealer Portal)

Component Client-side

Customer .html

Customer .js

Calculation .html

Calculation .js

PayBill .html

PayBill .js

Application .html

Application .js

Component Server-side

Component Server-side

Customer DTO/REST

Calculation DTO/REST

PayBill DTO/REST

Application DTO/REST

Authentication Security Navigation Configuration SPA

JS Framework

View21 system architecture

FrontView component catalogue Components pr. role

DEALER AGENT FRAMEWORK CONSUMER

NETBANK DEALER PORTAL POS ANY

Account Info Engagement List Application Applications Customer Info External Transfer Payment Overview Pending Payments Transaction List Transfer Transfer Wizard (Recipient Registry) (Scheduled Payments) (EInvoice Agreements) (Einvoice Transactions)

ConsExpirationReport ConsRegistration Dealer Info Finance Info Finance Termination FloorPlanningReport InvoiceInfo InvoiceReport NettingReport NettingStatement ObjectDetails StockStatistics WholesaleForecast WholesaleRegistration WholesaleReport

Agreements CaseExpense CaseList CaseNotes CaseObject CreditScoring DebtInsurances DocumentList DocumentLog DocumentUpload LoanCalculator MyCases News CaseObject ObjectModelSearch Payplan

Authentication • BankID (Signicat) • User/Password • 3 factor (SMS) Menu/Navigation Logging Archive

©KMD ©KMD

EXAMPLE: FORD DEALER’S SALES CAPTURE

BQS PAGE 10

EXAMPLE: TOYOTA DEALER’S DASHBOARD

Front Solutions

Onboarding

Open Api

Scalability

• FrontView Self Service • Analytics interface • Extended offering

• GUI • Customer experience • Scoring • KYC

• REST • Open • PSD2 • Business model

• Measurements • 2 Mill accounts per DB

Roadmap 2017-2018

Compliance

User interface

Product modules

• Legal requirements • GDPR

• Simplifying per User segments • Customer capture • Removing winforms

• Insurance • Tax reporting • File handling

Functionality • Sales Finance • Geography • My Car • Factoring

12

Why has Banqsoft been chosen in recent tenders?

Perceived reasons for winning projects in 2014 and 2015

Case # Time to market Implementation time Implementation cost Cost of ownership Flexibility Geographic reach Functionality Experimentation

1 X X X X

2 X X X X X X

3 X X X X

4 X X X X

5 X X X

6 X X X X X X

Time to market

Implementation time

Implementation cost

Cost of ownership

Flexibility

Geographic reach

Functionality

Experimentation

The time for the solution to “go live” if a customer decides to introduce a new product

Cost of a implementation project

Time of a implementation project

Annual (or quarterly) cost to run the portfolio (licenses, maintenance and support and AO cost)

Flexibility for implementing changes from the customer

Width of the product offering

To what degree the solution is customised to the local setup and regulations

Possibility to run pilot projects for potential new products

Comments

Example – Toyota Finance Nordics

BQS PAGE 13

Auto Finance • Loans • Leasing • Stock Finance • Fleet

Maritime & Merchant

BQS PAGE 14 Our customers

15

– expect more from us

Contact at Banqsoft: Johnny Rindahl CEO Mobile phone: +47 982 24 977 E-mail: johnny.rindahl@banqsoft.no web: www.banqsoft.com