Navigating the future:

The Power of Banking

Technology
Modernization
Temenos LEAP
Value Proposition - Mortgages
Table of contents Opportunity
Analyst recognition
Challenges
Temenos Solution
Benefits
Customer success stories
Why Temenos

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The Opportunity of Next-Gen Core Banking Platform
Operational Efficiency
New digital Banks serve full digital
operations up to 80% lower than
traditional banks.2
Increasing interest rates and a cost-of-
living crisis have decelerated new
mortgage applications, placing pressure
on refinancing.
Regulation & Market Practice
Global regulators are scrutinizing banks'
lending practices, asking to increase
support for consumers. 3
Mortgage rates experienced a significant
surge in 2023, reaching a peak of 7.79%,.1
1- Source: Forbes– Housing Market Predictions For 2024
2- Source: Mckinsey– Brokering growth in the mortgage market
3- Source: Deloitte Insights – 2023 banking & Capital Market Outlook
Table of contents
Revenue Generation
Residential mortgages remain core product
of most retail banks.
80% of retail credit and nearly 40% of the
total credit portfolio in many Western
countries is represented by the mortgage
book 2
Innovation
Embracing cloud-based & open APIs
Banks solutions is essential to facilitate swift
access to innovation.
71% of customers choose a mortgage bank
based on experience rather than price, with
only 27% reasons related to cost. 2
3
Mortgage rate trends
7.79%
Interest rates hitting high in 20231 Average
Mortgage rates
(Dec 2023)2

1 Source: Statista: Average weighted mortgage interest rate in select countries in Europe from 1st quarter 2012 to 1st quarter 2023
2 Source: Forbes– Housing Market Predictions For 2024
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4
Tech imperatives for continuous banking modernization

Complex, Inflexible Technology imperatives

Batch Legacy Based IT
Landscapes
Openness &
Interoperability

Slow to Agility and time Modularity & non-

adapt to market disruptive updates
High
TCO
Temenos
High Banking No /Low code
Data aggregation
operational & data quality
Platform Hyper-
personalization
risk

Poor business Poor customer

insight experience Hyper-scalability,
Security resilience &
availability

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Delivering tangible business value through Temenos Next-Gen Platform Table of contents

Win on Customer Agility to Grow Scale Without Limits

Experience Faster innovation with cloud native, Improved cost-to-income ratio with
Hyper-personalization powered by open API-first banking capabilities and unlimited scale and services delivered
banking and explainable AI a plug-and-play fintech ecosystem at a fraction of cost of legacy systems

27% Higher
30% 5x 34% 31% 24%
Higher NPS Launch newer Higher cross- Higher More IT spend
Technology Score3 operations
products2 sell rate4 on growth &
Agility Rating1 STP rate3 innovation3

Source: 1. Temenos Value Benchmark 2023. Sample from 102+ Banks. Refers to Digital Banking capabilities; 2. Retail banks
with Temenos Product Builder; 3. Banks with Temenos core banking; 4. Banks running Temenos front-to-back 6
Analyst recognition: Leader in Cloud Core Banking1

 Omdia recognized that Temenos was a high

performer across the board and achieved the
highest scores overall for market alignment
and innovation, in addition to performing
strongly for Temenos Banking Cloud’s broader
platform capabilities.

 Omdia highlights the strength of the Temenos

solution which offers innovation in the areas of
open products for the creation of highly
configurable financial products (i.e., smart
products), AI and ESG.

 Other strengths referenced by Omdia include

Temenos’ (X)AI-enabled analytics which are
embedded throughout the platform.

1- Source: Omdia Universe: Cloud-based Core Banking 2023 7

Key Value Performance Banking Indicators
Innovation
Ability of banks to:
 Launch innovative,
differentiated products and
services quickly and cost-
effectively
 Stay competitive by
delivering flexibility and
scalability addressing
customers’ demands
Revenue Generation Operational Effective Risk and
efficiency Compliance
Ability of banks to:
Ability of banks to: Ability of banks to:
 Grow customer base in
 Streamline end-to-end  Manage business risk
existing and new markets
operations and IT across across the organization
quickly and cost-
the organization. and effectively handle
effectively
 Optimize day-to-day regulatory compliance
 Provide contextual hyper- and reporting obligations
operations and deliver
personalized experiences
seamless services, reduce
ensuring relevance,
costs, and stay
convenience,
competitive in an ever-
responsiveness and
evolving financial
reliability
landscape
Bank’s situation & challenges
Table of contents
 Achieve a focused and low risk business model
 Deliver sustainable profitability and capital generation
 Stay ahead of the competition – respond to market & customer
demands
 Build bank’s ecosystem HOW YOU CAN BENEFIT WITH
INNOVATION TEMENOS
 Enhancing customer satisfaction through investments in Revenues Cost
retention and compliance
 Out of the box capability for launching 
 Become The Bank Of Choice: Tranforming customer experience flexible mortgage products and services
 Provide personalized offers for customers
 Flexible product builder capability to allow 
 Transparency focus for customers
quick launch of new products and services
 Seamless and consistent customer experience
REVENUE
GENERATION  Self-service mortgage servicing records (interest rates, principal
 Offering personalized mortgage products 
amount, outstanding amount,,etc) from one single platform and services to customers

 Develop high performance teams – resource optimization
 Maximize Temenos capabilities out of the box
 Automation in processing to minimize cost
 Operating model underpinned by flexible architecture,
Operational
Efficiency partnerships and new ways of working
 Facilitating standard mortgages’ servicing actions:
overpayments, overdue payments, advance repayments, and
payment holidays
 Fully integrated platform for all products,

services, and partnerships
 Modern and robust cloud native/API-based 
platform, designed to seamlessly handle the
rigorous demands of banking institutions

 Maintain Capital Level well above regulatory requirement

 Leverage Temenos platfom: ESG-based platform
Risk &
Compliance  Regulators express dissatisfaction with outdated technology 9
 Table of contents

Temenos solution

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How Temenos Platform supports your modernization with
Arrangements Architecture

Fast time to Focus on core Sustainable

market
Use an efficient Product Design &
launch new products for targeted
customers faster and better
business
Delivered with pre-configured out of
the box banking capabilities from
one single platform
Innovation
Delivered in a Future-proofed,
scalable API-first & cloud-enabled
platform to address market
demands

…and gets you there faster

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 Fast time to
market
The all-in-one solution
Product
Designer

API Temenos UI API Temenos UI API Temenos UI

Product Contract Contract

Creation
. Creation
. Servicing
.

No-code definition Create contracts of any product

Service all the contracts
management of banking following the configuration and
according to your customer’s
products for loans and rules configured in the product
needs and product configuration
deposits creation.
 Fast time to
market
No code
Product
Configuration
Products
Common Reusable Pool of Components Accounts
Saving Current
Customer Eligibility Limit Charge Settlement Accounts Accounts

SME Salary Cash

Team Activity Acc. Acc.
Interest Officer Accounting Acc.
Business Amount Restriction

user Account
Payment Payment
Closure Overdue
Rules Schedule
Lending
Activity Activity Periodic User
Tax
Mapping Messaging Charges Defined Loans Mortgages

SME Personal Mortg.

Loans Loans 2Y

Deposits

Deposits
Product Product Short Long Saving
Definition Catalogue Deposit Deposit Plan
 Fast time to
market
Next-Gen Product BENEFITS
Designer

5x 34%
INNOVATION ✓ Launch newer Higher cross-
 Product life cycle management from launching to expiring products1 sell rate1

✓
 Fast time to market on new product launch and changes to products
REVENUE
GENERATION
 Personalized offers – quick response to demands (customer & market)

 Flexible pricing engine with automatic calculations

✓
OPERATIONAL
EFFICIENCIES  Centralized Product designer and Product Catalogue

 Launch innovative products to be ahead of the competition

RISK &
COMPLIANCE
Component based Product designer with no need for coding

Source: 1. Temenos Value Benchmark

Focus on Core  Leverage Temenos best-of-breed capabilities for mortgages,
business delivered out of the box.
 Home loans optimized configuration for servicing business flows
Next-gen of  Self-service Assistant – APIs based to be consumed
 Mortgage Servicing actions
mortgages

Mortgage Mortgage Download

facility transactions & and Print Payment
overview Loan Schedule Transactions Holidays

Change Change
Repayment Repayment Partial
Overpayments
date Account Repayment
 Focus on Core
business
Next-gen of BENEFITS
mortgages

9.7% 12.5%
INNOVATION Better STP Better STP
 Mortgage Life cycle management from initiation to expiration rate for rate for
deposits 1 loans1
 Flexible & Coordinated Mortgage Servicing workflows

✓
REVENUE
GENERATION  Straight through, orchestrated and real-time servicing of mortgages

 Full & real time view on Mortgage Facilities, status, interest rates and amounts
OPERATIONAL
EFFICIENCIES
✓  Empower users to handle mortgage applications from a single location

 Fully API enabled servicing

RISK &
COMPLIANCE ✓
Single solution for servicing and managing Loans & Deposits, increasing operational efficiency

Source: 1. Temenos Value Benchmark

 Sustainable  Delivered through a cloud-native and API architecture
Innovation 

Highly efficient and flexible environment tailored to the needs of banks
Catering all sizes and business focus: Retail, Corporate, SME, Universal, etc.
Temenos  API-first approach, and inherent cloud-native delivering flexibility and
scalability to address needs of banks
Platform

Technology imperatives Retail Wealth

Customer Customer
Ecosystem Ecosystem
Openness &
Interoperability

Agility and time to Modularity & non-

market disruptive updates

Temenos No /Low
Data aggregation Banking code Hyper-
& data quality personalization
Platform

SME Corporate
Hyper-scalability,
Security resilience Customer Customer
& availability
Ecosystem Ecosystem

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 Sustainable
Innovation
Temenos ATTRIBUTES
Platform

Temenos Banking Platform

1 Ecosystem Orchestration
to connect to any banking player

Launch personalized Openness &

products quickly. 7 Interoperability
Support out-of-the-box

2 componentized model. Delivering

personalized offers to specific
Agility and time customer segments
to market Modularity

Timely and relevant real-

Next-gen
Platform
time reporting for both
customers and bank 6 Allows fast time-to-market
employees Data No/Low 3 positioning banks ahead of
competition
aggregation & code Hyper-
data quality personalization

30 years of 5 Hyper-scalability, Providing flexibility, scale to

regulation, security
and compliance
Security resilience &
availability
4 business volumes; 24x7 for
moment economy
 Sustainable
Innovation Temenos Banking
Temenos Platform BENEFITS
Platform

31% 24%
INNOVATION ✓  Achieving lower TCO thanks to out-of-the-box componentized Higher More IT spend
on growth &
operations
model STP rate1 innovation1

✓
REVENUE  Launch new products and personalized customer experiences
GENERATION
 Scaling business volumes: 24x7x365 banking operations

✓
 Faster response to business & regulatory change
OPERATIONAL
EFFICIENCIES
 Optimize existing IT skillsets in bank; Catering all sizes and

business focus
RISK &
COMPLIANCE ✓
API Catalog and designers for quick API use, reducing Time-To-Market and TCO while supporting innovation

Source: 1. Temenos Value Benchmark

 Summary: Banking Modernization Benefits Table of contents

Product Mortgages Next-gen

Designer servicing Platform

✓ ✓ ✓
 Best-of-breed out  Lower TCO,
 Faster time to of the box componentized
market INNOVATION capabilities model
INNOVATION INNOVATION
 Lower TCO  Model bank  Scaling business
 Personalized REVENUE optimized REVENUE volumes: 24x7x365 REVENUE
Customer GENERATION  STP & real-time GENERATION banking operations GENERATION
Experiences servicing  Faster response to
 High Degree of OPERATIONAL
 API first- enable OPERATIONAL regulatory change OPERATIONAL
Automation EFFICIENCIES EFFICIENCIES EFFICIENCIES
 Optimized business  Catering all
flows banking sized

Temenos Next-Gen Mortgages Platform

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Success stories: Transact Modernization Table of contents

“Working with Temenos has enabled us to build innovative “Temenos…makes it easy for us to adapt to new
services that help us to stand out and succeed in an requirements from the business and rapidly roll out new
immensely challenging market, and to broaden our functionality and products. This agility is invaluable to us
customer base”. as a bank that’s constantly growing and changing”.

Irene Huang Mohammed Saleh

Head of Digital banking division at Bank SinoPac VP of IT at Al Salam Bank

1.5M 4.9 100% x3 x3 400K-1M

new digital out of 5 rating on increase in market increase in faster time to daily transactions
accounts, with Apple App Store. share customer numbers market
78% new clients

BankSinoPac Success Story Al Salam Bank Success Story

NEXT Bank: Disrupting banking with speed
“We are so impressed by the quick
and smooth implementation of the
Temenos core banking platform. It
enables us to minimize time-to-
market. Speed is a huge
competitive advantage, and will be
more so as we introduce new
products into market.”
Eric Lee
Chief Information Officer, Next Bank
Background & Context
 Taiwanese native digital bank launched in 2022
 Main shareholder - Chunghwa Telecom - has committed to disrupt
banking sector
Why Temenos
 Balance of standardization and configuration
 Breadth of capabilities and ease of integration
 Global reputation with deep local knowledge of the Taiwanese
market
 Plans for Temenos to open a dedicated support hub in Taiwan
Outcomes
 Core banking platform deployed in 4 months
 Digital mortgage service launched in 6 months
 50-70% reduction in new product readiness
 Everyone’s Banking Platform

Largest
Smallest Client
Client

3K clients 500 200M 200+

accounts partners
accounts

In150+

Temenos
countries

3x RoE
1/2
Cost-income ratio
Value vs industry average vs industry average
Benchmark
Table of contents
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 Retail

Business /
Corporate

Wealth
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 What makes Temenos different

Packaged, upgradable Pre-built localization

Temenos vs
ALL vendors Functionality breadth & “Switch on” pre-
depth with extensibility packaged solution

Temenos vs Temenos vs
Traditional vendors Neo-vendors
100% Banking focused Proven scalability

Market leadership, Proven go-lives and migration

including non-incumbents credentials in every segment and tier

Proven SaaS delivery 30 years of regulation, security

and cloud native and compliance

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We continue Top 25
Swiss
Ranked #1 in the
SOF category
Top Highest
to top ESG stocks
SXI Switzerland
globally
Dow Jones
10%
FTSE4GOOD
rating
CDP

global indices
Sustainability Index
Sustainability 25® Index Index Leadership (A/A-)
World & Europe

and ratings Highest Highest PRIME Low

rating rating status risk
ISS QualityScore in all ISS ESG Corporate
MSCI AAA Rating Sustainalytics
ESG categories Rating

3x Sustainability

95% fewer
emissions
Top
performer
Bloomberg Gender
Award
Winner
2023 S&P Global Gold
Class &
Top
1%
Ecovadis
Top
20%
Vigeo Eiris
Equality Index Top 1% Global ESG Platinum medal
Score

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Thank you!

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