GeneralAssecoGroup

solutions for demanding business
Asseco Group & Statlogics introduction
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 Founded in 1991
 The largest IT company in CEE
 6th largest software producer in Europe
 Traded on the WSE, included in the WIG30 Blue Chip index
 +18 000 employees worldwide
 Selling proprietary software and services
 Strong financials with a great track record
 2013 revenue of EUR 1,4b
 CAGR +17.9% (2009-2013)
 2013 EBIT of EUR 145m
Asseco at a Glance

Areas of Activity
 Banks
 Insurance companies
 Brokerage houses
 Investment funds
 Leasing companies
 Factoring companies
 Mortgage banks
 Central administration
 Local administration
 Healthcare
 International organizations
 Social services
 Uniformed services
 Education
 Telecommunication
 Energy sector
 Utilities
 Gas sector
 Manufacturing, Trade
and Services
 FMCG
 Multimedia
Finance Public Sector Enterprises
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Proprietary Software Solutions & Services for:

Thinking Globally, Acting Locally…
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Our offices worldwide

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Asseco Group Financial Results
Data in EUR million
CONSOLIDATED REVENUE PROPRIETARY SOFTWARE AND SERVICES
€ 703
€ 809
€ 1 198
€ 1 325 € 1 401
2009 2010 2011 2012 2013
€ 455
€ 516
€ 863
€ 1 006 € 1 063
2009 2010 2011 2012 2013

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Leading European Software House
Top 100 European software vendors
Data in EUR million
Asseco Group
Ranks 6th among
largest software
vendors in Europe

Asseco Group in the CEE Region

Asseco in the CEE Region – physical presence
 Physical presence
in 17 countries
 3 legal entities
‒ Asseco Poland
‒ Asseco Central Europe
‒ Asseco South Eastern
Europe
 Proprietary software
for all market sectors
Hundreds of clients
7 800 employees

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Asseco Poland & Asseco Central Europe – market shares
More than 50% of banks in Poland use core banking engine from Asseco
Having 12%market share in the Region - Asseco is among
3 leading IT suppliers for public sector together with HP and IBM
Almost 80% of Health Insurance Companies in Slovakia
and Czech Republic run their businesses on Asseco core applications
Asseco covers about 75% HIS Hospital market in Poland
42% of ERP business in Czech Republic belongs to Asseco
In Poland there’s early 17 mln electricity recipients – Asseco software
supports more than 60% of them, generating 9 mln invoices per months
Asseco has more than 20years of experience in designing and
implementing IT systems for insurance market which gives us
the possibility of working with the largest insurers in the region
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• Statlogics was founded in 1996, and is
today the competence center for
consumer finance of the group
• CrediLogic, the consumer finance
platform of Statlogics processes more
than three billion euros worth of loans
each year
• Over 100 million loans have been
financed via our system
STATLOGICS IN BRIEF
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TO G E T H E R , A S T R O N G
E U R O P E A N P R E S E N C E
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Our company is trusted for its commitment to following a relationship that keeps clients’
requirement clearly in focus and provides excellent services through the professionalism
and motivation of our employees.
We are proud to count the following key players in the consumer finance markets among
our best and loyal clients for years:
• OTP Bank in Hungary
• UniCredit in Romania
• Eurasian Bank in Kazakhstan
• Groupe Société Générale:
• Russia (Rusfinance Bank)
• Serbia (Société Générale Srbija)
• Raiffeisen International group in Ukraine
OUR PARTNERS
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Statlogics employs 75+ experienced staff with an average age of 35 years. The core team
consists of Java, Delphi and PL/SQL developpers and IT architects, assisted by expert
Business Analysts coming from financial sectors with strong business and risk
managment experiences.
Statlogics team is complete with Project Managers and testers to ensure timely and
quality delivery to customers.
STATLOGICS TEAM
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All channels and all products are managed in Credilogic. All products can be adapted
to relevant channels.
CREDILOGIC CONSUMER FINANCE COVERAGE
Product matrix
Branches Merchants Car
Dealers
Brokers &
Agents
Direct Mail /
Telemarketing
Internet
Cash Loans
Car Loans
POS Loans
Credit Cards
Mortgages
Channel
Product
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Single Front End
Construction
module
Administration
module
Decision module
Statistics
Print service
Loan Account
Management &
Collection
Credit Scoring
Policy Rules
External data
Interfaces
Front End – Back End
Internal Black lists
Customer Data
Data upload
HIGH LEVEL ARCHITECTURE
Local
Back-end
(core system
of the bank)
Local External
DBs
and Bureau
CREDILOGIC
branches
agents
POS
online
BANK
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SINGLE FRONT END
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Used by:
RiskBranches Agents Merchant Loan processing department
SINGLE FRONT END FUNCTIONAL OVERVIEW
Sales dialogue:
• Credit offer & simulation
• Repayment schedule
• Alternative offers
• Loan application data input
• Data verification
• Identification of existing
customers
• Modify, upload, print, documents
• Send application to Decision
Engine
• Reception of the decision
• Purchase taken, purchase returned
• Cancel application, cancel
insurance
• Make a comment
• Status report about the evolution
of loans
• Operation history
Back Office operations:
• Search and filter applications
• Waiting list management
• 4 eyes check
• Manual decision
• Underwriting/verification
• Authorize
• Override (negative, positive)
• Financing
Management of network:
• Branches
• Merchants
• Insurance companies
• Partners
• Agents, brokers

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Decision module
• Create & manage
business rules:
• scorecard
• alerts
• budgets
• rejection rules
• required documents
• Cut-off rules
• Segment workflows
• Create sub workflows
for better overview of
the decision process
• Group the functions and
steps into frames
Loan Account Management & Collection
• Manage different type
of scorecard variables:
• simple discrete
• list discrete
• cross variable
• interval
• weighted
• Fraud search to filter
our fraudulence
• External queries such as
internal black list, credit
bureau, preapproved
amounts
• Receiving applications
from Sales front-end
• Account opening and
disbursement,
• Calculation of fees,
interest and
commissions
• Merchant clearing
• Customer service
• Loan account and
payment management
• Collection
• Early repayments
• Billing
• Write-offs, accruals
• Accounting rules and
transactions
• Provisions calculations
• Analytical postings
• End of day events:
calculate credit limits
• End of month events:
provisioning, accruals
• Grace period, penalty
charging, collection
process
• Account closing – clean
up or write-off
DECISION AND LAM MODULES FUNCTIONAL OVERVIEW
Used by:
Risk Operation Branches

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Construction module
• Create and maintaine
constructions, actions
• Set and manage
parameters :
rates, fees, commissions
• Manage assignments:
• Chain/Merchant to
construction
• Group of
goods/brands to
construction
• Purpose to
construction
Administration
module
Print serviceStatistics
• Management of
persons and users
• Management of rights,
user profiles
• Password
parameterization
• Managing the bank
opening hours and
working days
• Create statistical report
based on products
• Calculate approval rate
based on
constructions, officers,
loan interval
• Risk status report
• Statistics about third
party management
• Creating and
maintaining print outs,
documents, contracts,
indicative offers
• Editing the content of
the materials
PERIPHERAL MODULES FUNCTIONAL OVERVIEW
Used by:
Product
management
Product
management
IT Risk Risk ITOperation Sales

A good hockey
player plays where
the puck is. A great
hockey player plays
where the puck is
going to be
- Wayne Gretzky
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Thank you
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Gábor Meggyesi
sales director
Statlogics Zrt.
Empowering your decisions
Mobile: +36 70 368 5884
gabor.meggyesi@statlogics.com

GeneralAssecoGroup

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