Commercial Banks are under tremendous pressure to innovate new products and become more competitive. This presentation shows a perspective on commercial banking and solutions.

1. A perspective on transforming classical commercial banks to global commercial and
investment banks
Still Running Your Bank as a Classic
Commercial Bank?

2. Classic Commercial Bank Landscape
Commercial Bank Inc.
. Consumer .
Deposits
Consumer SMB
Consumer Lending
Credit Cards Home Loans Auto Loans
. Commercial .
Commercial
Banking
Corporate
Banking
Business
Banking

3. Treasury
Private Banking & Wealth Management
Lending & Transaction Banking
Custody



Typical
Banking
Services

Banking Products & Services
What sets you apart?

4. Current Challenges
All Banks
offer the
same
products
Targeting
the same
clients
Unable to
scale
globally
Commercial Banks are under
tremendous challenges.
“ Why would a consumer or
corporate open an account or
switch from another bank? ”

5. ZagTrader has orchestrated a Global Investment
Management platform – specially engineered for banks
and integrates to banks’ core banking platforms
seamlessly
New
Product
A new product to increase the competitiveness of the
bank and raises the bar very high for competition to
catch up
New Transformational Product?

6. Your Bank’s Building Blocks for Product Offering
New Products can be integrated in the day-to-day
operations in the bank to become effective building
blocks in the bank’s offerings
Maintain Full Independence – select the counter-party
banks around the World to deal and settle with.
Not the Conventional White-Label Offerings

7. Typical Products Offering
• Multiple Types of Accounts
• Current Accounts
• Savings Accounts
• Credit Cards
• Trading Accounts
• Loans
• Mortgages
• Retirement
• Insurance
• Lockers
• Commodity-backed Accounts, such as Gold, etc
• Custom ETFs
• Instant Global Trading of:
• Stocks
• Bonds and Sukuks
• Treasury Bills
• Derivatives
• Currencies & FX
• REITS / Real Estate Trusts
• Portfolio Consolidation
• Traditional & Digital Assets
• Wealth Management and Advisory
• Custody Services
Potential Growth Further Offerings

8. What are the Benefits?

9. Increase Efficiency and Productivity
Core
Banking
Back
Office
Front
OfficeAutomate workflow processes
Reduce risk and manual intervention
Expand business to millions of local customers
and billions globally

10. Much larger than the
average CASA accounts
(4x to 5x bigger)
Attract local and
international new types of
clients (Retail and High
Net-worth)
New deposits on
existing accounts
(Including inactive)
Introduce new segments
(Corporate / Institutions)
Increase Deposits

11. Selling
Instruments
Buying
Instruments
No Repatriation of Capital and
Increased Transactions Frequency
FX +
Transaction
Banking Fees
FX +
Transaction
Banking Fees

12. • Can Provide Risk Free High Leverage
• Liquid Collateral
• High Transactional Fees
• Low and Recurring Tenures
Non-Investment Assets
Increase Lending
Investment Assets
• High Risk Low Leverage Loans
• Illiquid Collateral (Auto, Home,
Reputation, etc)
• Low Transactional Fees
• Long Term – Semi Static

13. Instant FX, Cross Currency Trading
FX
Earn fees on behalf of institutional investors
such as mutual funds, insurance companies,
foundations, endowments and other
investment pools.
Custody
Financial Benefit Analysis
Drive Sales and revenues on commission
and fees and selling new products &
services
Transaction Banking
Attract new sources of deposits from Existing
and New customers via various products
New Deposits

14. The World at your Fingertips
Mobile Application
Customers trade
whenever and wherever
200+ Markets
Realtime data feeds.
Buy / Sell in multiple
market
Single Integrated
Interface
All Departments
connected under ONE
System
Scalable
Introduce New Products
Generate New streams
of Income.
Connect Core Banking
System in Realtime
Real time
synchronization and
access to core banking
system
Calculate Fees &
Charges
Real time lien and
calculation of fees and
charges with complete
audit and reporting

15. Cross – Operational Coverage & Benefits
Wealth
Management Custody Treasury Lending Transaction
Banking
Revenue Generating Platform

16. Engineered Products V.s. Self Directed
Stocks / Bonds / Derivatives
Shariah
Compliant
Stocks /
Index
Engineered
Products
Clients
Self Directed Investor & Trader
Investor & Trader of the Bank

17. Example of Engineered Product in Treasury
C u r r e n t
A c c o u n t
S a v i n g s
A c c o u n t
S p e c i a l
A c c o u n t
Golden
Account
Current Account $ xxx,xxx
Savings Account $ xxx,xxx
Special Account $ xxx,xxx
Golden Account $ xxx,xxx
BALANCE
This is an example where Banks’ customers can have gold-backed or
hedge accounts. The accounts are integrated and synchronized in real
time with core banking, that can be instantly funded and withdrawn.

18. Benchmark Case Study

19. 49.10%
Net Interest Income (inc. Loans revenue,
Deposits Expense, etc)
29.73%
Investment and brokerage services, Investment banking, Trading account
INVESTMENT MANAGEMENT
29.73%
21.17%
Credit Card Income & Service Charges, Mortgage, Other
CASE STUDY
Source: http://media.corporate-ir.net/media_files/IROL/71/71595/BOAML_AR2016.pdf
Ensuring Sustainable Growth
Diversification of overall offerings

20. Regional Bank Case Study

21. CLIENT BACKGROUND
Housing Bank is one of the largest banks in Jordan with roughly 1 million
customers, providing standard commercial banking, and has recently
started providing to its clients investment products though its treasury.
CLIENT CHALLENGES
1. Could not scale the operation and limitation on customer outreach
2. Offline systems which cause high-risk and limitations
3. Multiple isolated systems with end of day processing
4. Zero online presence
ZAGTRADER SOLUTION BENEFITS
1. Single unified solution across front to back office operations. Automated processes, performance and increased efficiency
2. Connected into various networks/aggregated multiple asset classes under one roof
3. Online and mobile apps for the client base
4. Reduced Turnaround time and lower technology costs
Case Study
Housing Bank for Trade & Finance (HBTF)

22. Opportunity in Customer Acquisition
Cost of Acquisition is typically high for any organization.
Commercial Banks have been trusted by their clients over the
years, and some have developed a personal relationship.
Cost of acquisition of clients for the new products is very low.

23. How it Works

25. You will have a very good reason to
get excited about the future prospects
of your Bank
Increase
Revenue
Reduce
Inefficiencies
Leading Global Banks have been building their own
platforms over the decades. ZagTrader has developed a
trusted global platform that delivers the needed
functionality end-to-end with seamless integration to core
banking
A new product – which will work across all of the
departments – treasury, transaction banking, 100%
risk free lending, and custody

26. Next Generation Commercial Banks
New Commercial Banks
Consumer
Deposits
Consumer SMB
Consumer Lending
Credit
Cards
Home
Loans
Auto
Loans
Commercial
Commercial
Banking
Corporate
Banking
Business
Banking
Global Markets
Fixed
Income
Markets
Equity
Markets
Wealth &
Investment
Management

27. Block 12, F06, Dubai Knowledge Park,
Dubai, UAE.
Sales: sales@zagtrader.com
Office Phone: +971-4-434-7473
Address
Contact Info
Telephone
Keep in touch with us
ZagTrader.. Global Financial Services Redefined.