Capital Cube enables contextual Treasury with composable NextGen technology. Its API-first platform offers a highly composable front to back Treasury, along with contextual asset liability management, portfolio risk analytics and value adds like Libor transition and CBX-FX. Capital Cube is built on a cloud-based architecture that seamlessly integrates with existing technology and helps in maximizing trading profits, fee-based income and efficiently managing intraday liquidity.

1. Capital Cube 21.0
Contextual Treasury Fueled by Composable Next Gen Technology

2. A Capital Cube Proposition
B Capital Cube
Presentation
Path
2
• 01 – Capital Cube Functionality
• 02 – Composable Next Gen Technology
• 03 – API Marketplace
• 04 – Analytics & Dashboard
• Capital Cube Advantages
• Accolades

3. A. Capital Cube Proposition

4. Delivering Top Line and Bottom Line Improvements
1.2.1 Corporate FX channel revenue by 2.6%
1.2.2 Branch FX margins up to 5 bps
1.1.1 Pre-deal Yield Simulators
1.1.2 Real time Portfolio Analytics
1.1.3 Portfolio Benchmarking
1.1.4 Simulators to improve NII/ NIM
1.3.1 Reduce liquidity requirements
up to 25%** increasing investment
opportunities
1.3.2 Reduce funding costs with just-
in-time funding
2.1.1 Alternate Capital Assessment model
2.1.2 Profit Attribution analytics
2.1.3 Reduced IDL & Compliance cost
2.1.4 Improved Tier 1 & CAR ratios
2.1.5 Sensitivity, Stress & Shock tests
3.1.1 STP of 95%+ reduces per transaction processing cost
3.1.2 Integrated platform reduces technology cost
3.1.3 Cloud enabled and multi-database compliant reduces TCO
3.1.4 Standard APIs to market data providers reduces implementation cost
Optimum
Capital Leverage
Digital Treasury
4
** https://www.oliverwyman.com/our-expertise/insights/2018/jun/intraday-liquidity-reaping-the-benefits-of-active-management.html
Revenue
Accelerators
1
2
3
1.2. Increase Channel led Fee
Income
1.1. Maximize Trading
Profits
1.3. Intraday Liquidity
Management
2.1 Maintain optimal capital and efficiently leverage funds, leading to increase in profits
3.1 Digital front-to-back treasury driving operational efficiency, resulting in lower cost
4

5. Potential to improve topline by 8 to 12%
and bottom line by 5 to 10 %
The Capital Cube Promise
5

6. B. Capital Cube

7. 7
2
4 3
1
Capital Cube Functionality Next Gen Composable Technology
API Marketplace
Analytics & Dashboards
Front Office Mid Office
Back Office
Portfolio Risk
Analytics
Contextual ALM Niche Value Adds
Microservices API First
DevSecOps COTS Agnostic
Experience Studio API Studio
Integration Studio
Business Services
Studio
Out-of-the-box APIs
Data Analytics
Business
Intelligence
Dashboards
Self Service
Reports
Capital Cube 21.0 Overview

8. 1. Capital Cube
Functionality

9. 1. Capital Cube 21.0
Single platform, real-time, contextual, cross-asset solution
Propelled by
Maxima deal engine
for faster execution
and accurate
decision making
Fueling business
growth and
aiding regulatory
compliance
360 degree view
and optimal
management of
balance sheet risks
Fueling the shift
from managing to
leveraging risks-
Aquila engine
Powered by Eagle
Risk Engine for
automated
compliance and
real-time risk
management
Driven by Orion
Engine for scalable
and efficient
processing
Ensuring
Compliance
Maximizing
Profitability
Streamlining
Operations
Optimizing
Liquidity
Empowering
Decisions
Expanding
Customer Base
1.6
Niche Value-
Adds
1.5
Contextual
ALM
1.4
Portfolio
Risk
Analytics
1.1
Front
Office
1.2
Mid
Office
1.3
Back
Office
9

10. 1.1 Treasury - Front Office Propelled by Maxima Deal Engine
Pre-deal limit checks and simulations
with powerful hedging tools
Real-time blotters for position, cash and P&L
management for informed decision making
Automated reporting of customer/branch positions
with online updates to trader’s positions including
complex deals
Effective liquidity and funding management tool
Support for Repos, IRFs and CCS
Trader Centric UI with
Decision Support Blotters
Pre-deal Analytics; Hedging
Tools; Scenario Simulators
Merchant FX & Branch
Position Integration
Cash Flow Management
Collateral Management Maxima Deal Engine
• See the impact on positions
in real time to monitor risk
exposure and drive
profitability
• Intuitive GUI enables faster
addition of new products
with unmatched time-to-
market
• Flexible reporting for
deal/desk/entity level
profitability, risk, compliance
and performance
• Seamless integration with
trading portals for price
discovery and execution 10
1.1.1
1.1.2
1.1.3
1.1.4
1.1.5

11. • Real time blotters to identify and manage risks
efficiently at transaction level
• Effective Capital and Risk Management to take
full advantage of market movements for better
performance
• Efficient framework and real-time capabilities
for risk identification, measurement and
monitoring to facilitate optimal leverage
1.2 Treasury - Mid Office Powered by Eagle Risk Engine
Comprehensive (150+) risk metrics
and analytics with multiple Yield
Curve Management
Pre-defined 100+ limits with drill down
to utilization at the transaction level
Limit losses and set capital requirements
by running various scenarios
Enhanced limits management
covering country wise ratings
with country & reserve
management limits
1.2.4 Risk Metrics
1.2.5 Stress Testing
1.2.1 Country and Reserve Risk
1.2.2 Limits & Control Framework
1.2.3 Automated Compliance
Rule driven multi- dimensional
monitoring at Product, Currency,
Dealer and Portfolio
Eagle
Risk
Engine
11

12. 1.3 Treasury - Back Office Efficiency Driven by Orion Engine
Configurable workflows adapting to different
business process flows seamlessly
Comprehensive matching algos for
progressive match generations
1.3.1 Business Process Management 1.3.2 Seamless Confirmation Management
1.3.3 Flexi Settlement
Flexibility of supporting multiple
settlement types
1.3.5. Smart Reconciliation
1.3.6 User Defined Reporting
Compliant to the latest IFRS standards with
dual accounting capabilities
1.3.4 In-built Accounting
Rule based dynamic Recon and Case
Manager for greater accuracy
Do-It-Yourself along with set of pre-defined
reports
Orion Engine
• Automated reconciliation with
no manual checks or
intervention
• Automation of settlements,
accounting and post
settlement activities
eliminating settlement risk
• Consistent efficiency, and stability
irrespective of number of users
and volumes
• Achieve 95%+ STP with efficient
processing through complete
automation 12

13. 1.4 Portfolio Risk Analytics Powered by Aquila Engine
• Risk Budgeting/Capital Allocation
• Ex Post /Ante Tracking Error
• Value at Risk & Expected shortfall
• Performance Analysis to analyze the risk
& return between trading portfolio and
benchmark portfolio
• Analytics to quantify the impact of a
deal on Portfolio Performance
• Analysis of Duration movement,
currency composition
• Aids in portfolio
performance,
benchmarking, re-balancing
and hedging
• Drill down from global positions
to individual transactions
• IR Curve analysis
• Stress test portfolios, curve
management capability for
adding spreads depending on
market volatility
• TWRR & MWRR Returns for
real-time weighted returns
analysis
• Duration Metrics for better
decision making in trading FIS
• VaR Metrics (Historic and Parametric) –
from global level to deal level to identify
high risk transactions
13
1.4.4 Comprehensive
Risk Analytics
1.4.1 Market Risk
metrics coverage
1.4.2 Real-time
Risk Blotters
1.4.3 Portfolio
Optimization

14. 1.5 Contextual ALM
Transaction
Capture (Loans,
Bonds & others)
Transaction Cash
Flow generation
& Aggregation
Risk Policy
Setup
Algorithm for all
Balance Sheet
Risks
Risk
Aggregation
And Reporting
Functionality
Advanced
Visualization
1.5.1 Coherent Data
Fabric
1.5.2 Balance Sheet Risk
Algorithm Library
1.5.3 Analytics
14
Combining the power of Coherent Data Fabric with Algo Library for balance sheet risks management and analytics for informed decision making 14

15. Contextual and transparent
FX trading with extensive
analytics
Accelerates transition from
LIBOR and helps comply to
new regulations on-time
1.6.2 Intellect LIBOR Transition
1.6.1 CBX-FX
1.6 Niche Value-Adds
15

16. 1.6.1 CBX – FX
Personalized trading experience with access to streaming
rates from multiple providers
Generates better fee based income for the bank’s treasury
STP from customer’s device to bank’s treasury back office
FX-T (FX TRADING)
FX trading platform for bank’s corporate clients
FX-C (FX CORPORATE)
FX decision support for bank’s corporate customers
Single view of FX exposures
Personalized data repository for optimum FX hedging
strategy
Cost benefits from timely hedging decisions
16

17. 1.6.2 Intellect LIBOR Transition
RFR Realized Rate Calculator Automated Testing module Pricing Module
Key Feature: Computes and
distributes daily Realized Rates &
spread
Key Feature: Verify the correctness of
system calculations (interest accrual,
rates, valuation) from RFR Calculator
Key Feature: Create RFR curves for
pricing, valuation and risk
Risks Mitigated: Operational Risk Risks Mitigated: Operational Risk and
Safe Testing
Risks Mitigated: BASEL III Compliance
A. LIBOR Contract Analysis B. Workflow
Key Features: Use ML/AI to identify
patterns, key contract elements, fall-
backs and improve productivity
Key Features: Workflow to manage
bank-client correspondence for
contract repapering, audit trail for risk
management
Risks Mitigated: Legal Risk Risks Mitigated: Conduct Risk
B. IDX
A. RFR CalcService
17
Secure and timely transition of LIBOR portfolio 17

18. 1.6.2 Intellect LIBOR Transition
RFR Realized Rate Calculator Automated Testing module Pricing Module
Key Feature: Computes and
distributes daily Realized Rates &
spread
Key Feature: Verify the correctness of
system calculations (interest accrual,
rates, valuation) from RFR Calculator
Key Feature: Create RFR curves for
pricing, valuation and risk
Risks Mitigated: Operational Risk Risks Mitigated: Operational Risk and
Safe Testing
Risks Mitigated: BASEL III Compliance
B. RFR CalcService
18
Secure and timely transition of LIBOR portfolio 18
A. LIBOR Contract Analysis B. Workflow
Key Features: Use ML/AI to identify
patterns, key contract elements, fall-
backs and improve productivity
Key Features: Workflow to manage
bank-client correspondence for
contract repapering, audit trail for risk
management
Risks Mitigated: Legal Risk Risks Mitigated: Conduct Risk
A. IDX

19. 2. Composable Next Gen
Technology

20. 20
20
Vertical
Horizontal
Architecture Differentiators
Event Driven Architecture with Federated Framework
INTUITIVE & CONTEXTUAL
Role intuitive user navigation
and contextualized UI/UX
MICROSERVICES ARCHITECTURE
Event driven interfaces and
integration with loosely coupled
microservices
AGILE CUSTOMIZATION
Faster adaption to
introduction of new products
FEDERATED FRAMEWORK
Providing operational autonomy
to units without losing control
OPEN APIs
Open APIs to communicate
with other systems
BUSINESS PROCESS EFFICIENCY
Configurable workflow and event
driven rule engine
COTS AGNOSTIC
Infrastructure compatible to bank’s
guidelines and policies; Database
agnostic
SCALABILITY
Scalable system for higher
volumes of data
1. 2.
5.
4.
3.
6. 7. 8.

21. 2.1 Next-Gen Technology Architecture
Enterprise
Database
Trade Process
Accounting
Limits
Settlements
Alerts
Market Data
21
Simplified, future-proof, scalable and agile to changes
• Built on open architecture
standards
• Cloud enabled
• Microservices architecture
• API first design
• Event driven architecture
• Integration flexibility
• Optimized total cost of
ownership
• Improved efficiency
• Extremely scalable

22. 2.2 Technology Stack
REST APIs
Backend
Engines
Domain µServices
Platform
µServices
Service Registry
Service
Configurations
(Any) API GATEWAY
Microservices
Orchestrator
Application
µServices Channel µServices
<< API >>
Linux Android Windows
UX Tier
Foundation µServices
22

23. 23
2.3 Capital Cube SDK – An Extensible Framework
Leveraging technology to deliver bespoke requirements
2.3.1 iTURMERIC-EXPERIENCE STUDIO
• UI Designer
• Create & Publish screens
2.3.2 iTUMERIC-API STUDIO
• Experience APIs
• Domain Objects
• Orchestration
2.3.3 iTURMERIC-INTEGRATION AND
ORCHESTRATION STUDIO
• Integrate heterogeneous
systems
2.3.4 iTURMERIC-BUSINESS
SERVICES STUDIO
• Domain Objects based Services
• Ingestion, Platform Services
• Service Lifecycle Management
Accelerating new interfaces with external systems, customizing screens at a rapid pace, generating newer APIs and business services on the fly
23

24. 24
UI/UX decoupled from services
– Rich, clean based on Angular, CSS and SCSS
– Fluid page design, centralized UI themes
– Multi-lingual & LTR/RTL configurable
– Addition of new features without breaking existing
functionality
Orchestrated API services
– API/Services on published Open API standards
– Data & Transaction Boundaries Segregation
2.3.1 iTurmeric– UI Experience Studio
User friendly, contextual, multi-lingual, intuitive and optimized UX
UX/UI
API SERVICES
Database
DAO
CORE UI
TEMPLATE -
ANGULAR FRAMEWORK
COMPONENTS
UI OBJECTS
BINDING:
TYPESCRIPT
HTML5 SCSS BOOTSTRAP
ORCHESTRATION
OPENAPI
STYLE
ECMASCRIPT
FORMAT
RICHNESSS
DO
VALIDATE TRANSACT
JAVASCRIPT
Code
OpenAPI
Control, BO, Validation,
Update
Easy UI/UX Extensibility
Testing
– Selenium based automated testing
– Usage of unit testing framework like
Jasmine, Karma
User friendly, contextual, multi-lingual, intuitive and optimized UX 24

25. • Define API specifications, import/export
SWAGGER documents, manages the API
life cycles
• Enable new business flows on the fly,
using sophisticated flow modeler.
• Highly innovative domain objects based
interaction with server side which
completely eliminates necessity to write
script code
• Future proof, cloud ready, microservices
architecture
API Consumers
Service Delivery Customers/Prospects
(Portals, Mobile Apps,
Systems)
Partners
(Portals, Mobile Apps,
Systems)
Intellect FinCloud
API
Exchange
Portal
Fabric Platform
API Design
Published API Endpoints
Flow Modeller (Hooks and
Orchestration)
Open APIs
Trade STP Limits Rates Enquiry
Settlement &
Recon
2.3.2 iTurmeric-API Studio
Agile API Deployment
Bank Application
Third Party
System
Systems
Integration
MQ
SFTP
REST/
SOAP
25

26. End to end integration
lifecycle monitoring
BENEFITS
2.3.3 iTurmeric - Integration & Orchestration Studio
Making Integration Seamless
• Low coding,
simplified
configurations and
out of the box
repository of EIP
resulting in lesser
bugs
• Shortened offshore
and onsite
integration timelines
due to extensibility
• A comprehensive,
future proof
framework resulting
in faster time to
market for your
customers
• Reduced offshore
and onsite build &
test efforts due to
standardization
QUALITY AGILITY COMPETITIVE ADVANTAGE PROFITABILITY
Intellect’s standard
‘Enterprise Integration
Platform’
Low Coding Framework
which is configuration
driven and supports
model based design
Support for a
comprehensive set of
100+ endpoints
Future proof, cloud
ready, microservices
architecture
26

27. 2.3.4 iTurmeric – Business Services Studio
Building Business Services Effortlessly
• Segregation of Platform, Ingestion,
Common and Infrastructure
Services
• New service building using
bespoke services studio
• Small code base for efficient
testing
• Life cycle management for the
services using studio
µServices
Custom µServices
Settlements
µServices
Ingestion
µServices
Trade Process
µServices
Market Data
µServices
Common
µServices
Infra µServices
Common & Infra
Services Layer
Platform Services
Custom Services
27

28. 3. API Marketplace

29. 86 APIs across Capital Cube
29
3.1 CASHFLOWS &
POSITIONS (8)
3.2 TRADING &
INVESTMENT (36)
3.5 SETTLEMENTS &
RECON (5)
• Forex Positions
• Bond Positions
• Long Term Cash
Flows
• Bond Holdings
• Fixed Income
• Money Markets
• Foreign Exchange
• Commodity
• Central Banks
• Options
• Derivatives
• Netting
• Pending Coupons
• Pending Maturities
• Pending Settlements
• SWIFT Messages
• Nostro Recon
86 APIs
Open API 3.0 Compliant
3.3 MARKET DATA (6)
• FX Rates
• Bond Master
• Bond Rates
• Entity Ratings
• Options Prices
3.4 REGULATORY &
CONTROL (31)
• Counterparty Limits
• Open Position
Limits
• Product Limits
• Rating Limits
• Portfolio Limits
Introduction of additional
functionality without any
disruption
Empowering electronic trading in
Fixed Income Securities with auto
match
Seamless flow of settlements and
reconciliation information to
upstream and downstream
Auto sync of cash flow positions
across front, mid and back office
Fully automated market data
feeds

30. 4. Analytics &
Dashboards

31. • Event driven framework using Kafka
with incremental data movement
• Dimensional model for data storage
• Star schema with de-normalized
fact tables
• Provides slice/dice of data for data
analysis
• Leverage business intelligence tools
• Published data dictionary
4.1 Analytics & Dashboards
Event
Processing
Report
Scheduling
Reports API
Data
Transformation
Report Delivery
Account
Balances
Transactions
Risk Metrics
Limits
Reconciliation
Faster decision making, risk mitigation and improved monitoring & control
Business Process Layer Analytics Database
Analytics Console Business Users
Treasury OLTP
Event
Hub
31

32. USER DEFINED: Report creation
on the fly by business users
SEAMLESS INTEGRATION: Easy
data aggregation from multiple
sources with REST web services
or DB servers
COMBINE : Multiple reports
and dashboards
SECURE: Entitlement setting
for access to reports
HIGH PERFORMANCE: Separate
report mart based framework for
high performance
32
Create new reports on the fly
CRITERIA SETTING: Group,
Aggregate, Sort & Filter
32
4.2 Self Service Reports – Sigma Reporting for DIY Reports

33. 33
Integrated front to back with comprehensive asset
class coverage supporting the total trade lifecycle
Contextual treasury leads to increased profitability
enabled by real-time positions and market scenario tools
Multidimensional risk and compliance framework ensuring
adherence to firm and regulatory policies
Portfolio Analytics devising full-proof
investment management strategies resulting in
optimal opportunity cost model
Adapting to business changes quickly
through rule-driven limits
management
Cloud ready solution simplifies deployment and
reduces TCO
Seamless and non-disruptive integration with trading,
market portals and settlement agencies enabling
faster time to market
Technical architecture designed for ‘zero
down time’
Designed on microservices and API based architecture for
complete automation and high STP of treasury processes,
achieving ~ 95% STP across the bank while mitigating
operational and financial risk
Making a Difference Across the Treasury Business Spectrum..

34. Bringing in Best Practices from Global Roll Outs
1. Transforming and running the largest
treasury operations in the world at a
leading global bank with ‘zero’ down time
2 Instances across
52 Legal entities -
EMEA, Tokyo, USA and
Canada
$ 10.7 Tn.
Daily cash flows
150,000
Daily transactions
$3.86 Tn.
FX volumes daily
2. Treasury transformation at one of
the leading central banks in the world
5. Early mover advantage to a leading
bank in Mauritius
Managing the FX reserves to the tune of
$ 600 Bn. +
Complete automation of all processes
96%+ STP
Single platform providing
the benefits of a contextual treasury and
ALM powered by next gen tech-Capital
Cube ver.21
3. Centralized treasury operations at a
leading bank in the Oceania region
6. Regulatory Compliance at a large bank
in Saudi Arabia
Consolidated view of data by interfacing
13+ disparate systems
Complete automation across three diverse
but related business domains with
90%+ STP
Trade booking transactions
< 2 seconds
Contextual ALM and Basel III improving
transparency on liquidity
positions and risk exposure
34
4. Legacy modernization at the second
largest public sector bank in India
Daily FX turnover of
$ 1600 M
2500
# of FX transactions
daily
250
Authorized branches

35. Accolades

36. Featured as "Best-Of-Breed"
in ‘RiskTech Quadrant for
Data Integrity and Control’
Positioned as leading
provider to support entire
Investment Management
cycle in ‘NextGen
Investments and Portfolio
Risk capabilities’
Featured as Category
Leader in RiskTech
Quadrant in Sell Side Risk
Management report
Rated as providing ‘High
level business focused
functionality’ in ‘Next Gen
ALM & Balance Sheet
Management ’
Profiled amongst leading
vendors globally for
‘Reconciliation Solutions’
Acclaimed by Experts
36
Recognized amongst as
"Category Leaders" in the
Chartis' report titled
"Portfolio Management
Platforms, 2021 - Market
and Vendor Landscape".

37. Category winner-
Liquidity Risk &
ALM
Treasury
Transformation
at Westpac
Treasury
transformation at
CITI
Best use of IT in
Treasury & Capital
Markets-Intellect
Awards
37
Best Treasury
Implementation
at Westpac

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