Global Retail Banking Innovation Summit& Awards 2018

THE DIGITAL BANKER

Organised by

27th September 2018 | Carlton Hotel Singapore

Sponsored by

www.digitalbankeronline.com

www.globalretailbanking.com

GLOBAL NEWS

BUSINESS INTELLIGENCE

THEMATIC RESEARCH

EVENTS

THE DIGITAL BANKER

SERVING TOMORROW’S CUSTOMERS

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Welcome

Dear Industry Colleague,

THE DIGITAL BANKER would like to extend you a very warm welcome to the

Global Retail Banking Innovation Summit & Awards 2018.

As customer demand gears towards highly personalised services, anytime-

anywhere banking and digital banking, disruptive technology such as Artificial

Intelligence, Cognitive Robotics, DLT & Open APIs are enabling services that

were historically unattainable. Parallel to this, Fin-tech proliferation is accelerating

innovation and competition in the industry.

However, in order to achieve digital success, banks must undoubtedly develop

relevant capabilities in technology, skills and processes, whilst simultaneously

fortifying ‘digital trust’ and complying with increasing regulations. Anything less,

and the risk of becoming ‘irrelevant’ in the digital economy is inevitable.

The Global Retail Banking Innovation Summit wiil explore and identify the

most high-impact trends together with enterprise applications of new technology

through use cases, demonstrations, thought leadership and the evening Awards

Gala. The summit offers banks a chance to remain abreast of new developments,

anticipated disruption and regulation in the consumer banking ecosystem.

The Global Retail Banking Innovation Awards program has been created

to serve as accolades of excellence, attributed to outstanding players, and aim

to be impartial and unbiased, objective benchmarks for the global retail banking

sector. They recognise the institutions and individuals that have demonstrated

market-leading offerings in Payments, Loans, Product Perosnalisation, Service

Innovation, Digital Banking, Marketing Campaigns & more.

The overwhelming number and quality of submissions were extremely impressive

and serve as a testament to the growing dedicated efforts undertaken by banks

in pioneering innovation in the retail banking ecosystem.

We would like to thank all of the organisations that submitted detailed

nominations for the various awards categories and of course to all of you for

taking time out of your busy schedules to be here today.

Yours Truly,

THE DIGITAL BANKER Editorial Team

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Day Agenda

08:00am Welcome Registration, Coffee &

Networking

08:45am Chair’s Opening Remarks Simon Partridge, Director, Financial

Services, Smart Work Innovation (SWI),

Fuji Xerox Asia Pacific

08:50am Lead Partner’s Opening

Remarks

09:00am Standard Chartered Bank’s

Digital Journey in Singapore

Nauman Bashir, Head of Digital Banking,

Standard Chartered Bank, Singapore

09:30am Developing New Revenue

Streams through Digital

Channels - Embracing an Open

API Architecture & Digital

Partners

Greg McCreanor, Principal Solutions

Consultant, MuleSoft

10:00am CEO Panel Symposium:

Bank to the Future – What have

we learned over the past year

and what is to come in 2019?

Transitioning into a Digitally

Anchored Institution

Anurag Mathur, Head of Retail Banking &

Wealth Management, HSBC Bank

Nauman Bashir, Head of Digital Banking,

Standard Chartered Bank, Singapore

Sanjoy Sen, MD Head of Strategy &

Finance Consumer Banking & Wealth

Management, DBS Bank

Andrew Taggart, Partner, Financial Services

Leader, SEA Consulting, PwC

10:40am Refreshments & Networking

11:00am Opportunities with DLT in

Payments, and Compliance

Shirish Jain, Director, PwC SEA

11:30am Next-Gen Omni-Channel

Analytics – Remain one

Step Ahead of the Customer

& Deliver a Frictionless

Experience

12:00pm Lunch & Networking

01:00pm Tackling sophisticated payment

fraud and cyber-crime in the

age of digital access and real-

time payments

Marc Mathenz, Managing Director- Asia

Pacific, Fiserv

01:30pm Artificial Intelligence &

Cognitive Robotics in the

Future of Retail Banking:

A spotlight on Use Cases

Manprit Singh, Director, A.I & Data,

Avanade

02:00pm Reimagining the Workforce

– Achieving the Optimum

Balance between Automation &

Employees

Shefali Gupta, Executive Director,

Technology & Operations, Strategy &

Planning Management Office, DBS Bank

02:30pm Disrupting with a “Bank-in-

Bank” Strategy

Paolo Eugenio J. Baltao, Senior

Vice President, Union Bank of the

Philippines

03:00pm Refreshments & Networking

03:20pm Open Floor Discussion:

In this session our chairman, Simon Partridge will put several key critical business challenges to the audience, and under a ‘free for all’ format, all members of the audience will be entitled to offer their opinions and answers

03:50pm The 5 Ways to Innovate – the

most common approaches that

corporates take to innovation-

and which one is right for you.

Amer Iqbal, Head of Digital Transformation

& Innovation, Deloitte Digital SEA

04:10pm Chair’s Closing Remarks

Simon Partridge, Director, Financial

Services, Smart Work Innovation (SWI),

Fuji Xerox Asia Pacific

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Evening Awards Gala Agenda

06:30pm Registration & Cocktail Reception

07:25pm Opening Remarks

Simon Partridge - Director, Financial Services Smart Work Innovation (SWI), Fuji Xerox Asia Pacific

07:30pm Dinner Commences

07:50pm Retail Product Awards Presentation

• Best Digital Wallet of the Year • Credit Card of the Year • Excellence in SME Banking • Outstanding Financial Inclusion

Initiative

• Best Mass Affluent Banking Offering• Best Payment Innovation• Mortgage Product of the Year

08:20pm Dinner Continues

08:50pm Frictionless Awards Presentation

• Outstanding Client On-Boarding & Account Opening

• Outstanding IT Transformation • Best Automated Advisory Service

• Best Mobile Payments Service• Best Data Analytics Initiative• Outstanding Customer Service Transformation

Marketing & Customer Awards Presentation

• Best Customer Relations & Brand Engagement Initiative

• Best Customer Loyalty Program • Outstanding Digital Marketing

Initiative

• Outstanding Personalised 1:1 Marketing Initiative

• Excellence in Social Media Marketing• Best New Product Launch

09:30pm Omni-Channel Awards Presentation

• Excellence in Customer Privacy & Protection

• Best ATM Innovation • Best Internet Banking Initiative

• Best Mobile Banking• Best Customised Mobile Banking• Outstanding Omni-Channel Integration

People & Employee Awards Presentation

• Best CSR Initiative

• Outstanding Staff Training, Learning & Development Program

Honorary Individual & Institution Awards

• Retail Banker of the Year • Retail Bank of the Year

10:25pm Chair’s Closing Remarks

Simon Partridge - Director, Financial Services Smart Work Innovation (SWI), Fuji Xerox Asia Pacific

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Introducing our Chairman

Simon Partridge

Director, Financial Services Smart Work Innovation (SWI)

Fuji Xerox Asia Pacific

Delivering Transformation Through Communications Services Driving Customer Advocacy in an Empowered Market.

Over 35 Years in the Customer Communications business working for Xerox and Fuji Xerox in over 55 countries across five Continents

Simon has been the driving force behind some of the most Innovative Communications strategies for European, Asian and Global Customers.

About the Awards

The Global Retail Banking Innovation Awards are accolades of excellence, attributed to outstanding players and aim to provide impartial objective benchmarks for the global retail banking sector. They recognise the institutions and individuals that have demonstrated best practice across various facets of retail banking – those that have undertaken the most to advance and spearhead innovation in the industry.

THE DIGITAL BANKER Awards identify and commemorate the ‘best-in-class’ Financial Institutions & Individuals for their annual accomplishments in areas such as Customer Centricity, Innovation, Product Development, Marketing, Leadership & Strategy.

Our impartial panel of judges are renowned thought leaders in their respective fields, having championed numerous transformation projects for leading Banks & Insurance organisations worldwide.

Using a rigorous points based qualitative and quantitative judging methodology; winning and commended institutions are recognised on a global platform.

We award and celebrate the preeminent Retail Banks, Private Banks & Insurance Institutions for their distinguished contributions to their industries across Europe, Asia, ANZ, Middle East & Africa.

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Thank you to our sponsors

Fiserv is a global leader in financial services technology solutions. We’re helping more than 12,000 clients worldwide create and deliver experiences for a digital world that’s always on. Solutions that enable today’s consumer to move and manage money with ease, speed and convenience. At the point of thought. Our approximately 24,000 associates worldwide are driving quality and innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management, and Insights & Optimization with one thing in mind: to move money and information in a way that moves the world.

Avanade is the leading provider of innovative digital and cloud-enabling services, business solutions and design-led experiences, delivered through the power of people and the Microsoft ecosystem. Majority owned by Accenture, Avanade was founded in 2000 by Accenture LLP and Microsoft Corporation and has 30,000 professionals in 24 countries. Visit us at www.avanade.com.

Deloitte Digital has created a new model for a new age: the creative digital consultancy. We’re transforming the digital journey in a way an agency or traditional consultancy alone cannot–now leaders across their entire organization can come to one place to have their ambitions brought to life. We combined the creative and digital capabilities of our studios and the broad reach of an advertising agency with the technical experience, deep business strategy, and relationships of one of the world’s largest consultancy to create something that is so much more than the sum of its parts. We can help you imagine bigger and scale as your business grows.

KNOWLEDGE PARTNERS

MuleSoft makes it easy to connect the world’s applications, data and devices. They provide a software platform that enables organizations to easily build application networks using APIs. APIs are the digital glue that allows applications to talk to each other and exchange data. Their flexible, unified platform connects nearly any application or system by leveraging APIs to quickly and securely share data, regardless of format or source, in application networks. MuleSoft is at the heart of the applications and services you use every day, like Netflix, Spotify, and Salesforce, from Global 500 corporations to emerging companies in more than 60 countries.

At PwC, our purpose is to build trust in society and solve important problems. We’re a network of firms in 158 countries with more than 236,000 people who are committed to delivering quality in assurance, advisory and tax services. Find out more and tell us what matters to you by visiting us at www.pwc.com

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The Global Retail Banking Innovation Summit & Awards 2018 is organised by THE DIGITAL BANKER - a globally trusted news, business intelligence and research provider for the worldwide financial services sector. Our consultants and subject matter experts provide thematic research, industry analysis and forecasts across all Banking, Insurance and FinTech markets.

Through the provision of our authoritative insights, news services, conferences and research reports, THE DIGITAL BANKER works with some of the world’s largest financial services institutions as a strategic knowledge partner.

THE DIGITAL BANKER

KPMG operates as an international network of member firms offering audit, tax and advisory services. We work closely with our clients to mitigate risks and grasp opportunities.Our firms’ clients include business corporations, governments and public sector agencies and not-for-profit organizations. They look to us for a consistent standard of service based on high order professional capabilities, industry insight and local knowledge.KPMG member firms can be found in 154 countries and territories. Collectively we employ 200,000 people across a range of disciplines.

ASSOCIATE PARTNER

DIGITAL TRANSFORMATION PARTNER

Fuji Xerox Smart Work Innovation (SWI) is the industry market leader for document management and consulting services globally. We help our customers communicate better through re-engineering their document management process ensuring seamless integration into their current IT infrastructure, transforming document intensive processes and customer communications to create a secured communication environment. At SWI, we help you to transform and embrace creative workstyle. For more information visit us at http://www.fujixerox.com/eng/solution/outsourcingservices/

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Meet your speakers

Amer Iqbal

Head of Digital Strategy & Innovation, SEA

Deloitte Digital

Amer is the regional Head of Digital Strategy & Innovation at Deloitte Digital, based in Singapore. He uses techniques from startups, creative agencies and consulting to help organisations reimagine their future in a rapidly changing digital economy.

Over the last three years Amer has helped to scale Deloitte Digital from the ground up to the leading digital creative consultancy in the region, helping numerous clients on their digital transformation journey. Previously he was General Manager & Head of Strategy at Deepend, Australia’s largest independent Digital agency. Over the past 18 years he has also built several successful startups.

Amer holds a degree in Computer Science as well as an MBA majoring in Marketing. He was a finalist for 2011 Young Executive of the Year and has been featured in numerous publications including Australian Financial Review, AdNews, B&T, and Contagious.

He is regularly engaged as an industry thought leader, speaker, and facilitator. Find out more at: http://amerspeaks.com

Andrew Taggart

Partner, Financial Services Leader,

PwC South East Asia Consulting

Andrew leads PwC’s Financial Services Consulting business across South East Asia, based in Singapore. In this role, he is focused on bringing the best of PwC to help financial services clients solve their most pressing business issues. He brings a strategic perspective of the trends shaping the future of financial services including digitization, customer centricity, AI and analytics, automation, Fintech innovation, productivity optimisation, regulation and competition.

Andrew has over 20 years of experience in driving customer focused business and technology transformations. He has worked with leading banks, insurers and wealth managers in Asia, Australia, UK and Europe. His client engagement portfolio includes growth strategy, digital strategy, digital business creation, customer centric operating models, customer segmentation and analytics, productivity optimisation, and CRM implementations.

Andrew is often invited to speak at conferences and to the media on the key trends shaping the future of financial services.

Andrew graduated from the University of Wales College of Cardiff in the UK with a BSc(Econ) in Economics and MSc in Computing.

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Anurag Mathur

Head of Retail Banking and Wealth Management

HSBC Bank (Singapore) Limited

Anurag Mathur was previously Head of International, Asia-Pacific Retail Banking & Wealth Management at HSBC with direct responsibility over eight markets, comprising Bangladesh, Brunei, Macau, Mauritius, New Zealand, Philippines, Sri Lanka and Vietnam.

Having joined the HSBC Group in Hong Kong in 2009, he has held senior regional roles in product management, strategic planning and business performance management. He is an Executive Committee member for Retail Banking and Wealth Management, Asia Pacific.

In his career spanning over twenty years, Anurag has worked in Singapore, Australia and Hong Kong. He holds a Master of Business Administration (Financial Management) from the University of Western Australia and is a Member of the Australian Institute of Company Directors.

Greg McCreanor

Principal Solution Consultant

MuleSoft

Greg is a Principal Solutions Consultant for MuleSoft based in Sydney and has over 20 years’ experience working in both core systems and integration technologies. Since joining MuleSoft he has brought valuable insight to our customers and prospects about their current technical challenges and how to move to the next generation of solutions. In the last 3 years, he has worked extensively with Government agencies in Australia and New Zealand modernising their core systems to meet the demands of citizens, new regulations, and to enable the more efficient management of related public sector schemes.

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Manprit Singh

Director, Data & AI

Avanade

Manprit Singh, Enterprise AI solutions Architect and mentor at Avanade. He drives the architecture, technology readiness & creation of AI infused innovative offerings for various industries.

He consults customers in identifying use cases that have high potential of benefiting from AI infusion. By skilfully applying design thinking he makes AI and machine learning real for his customers, helping them in their digital transformation journey. He also builds minimum viable products for those use cases and mentors in realization of these MVPs into sustained products and offerings. These solutions have solved a wide range of problems in areas such as Contact Centers, Insurance Claims, AI enabled RPA, Digital Marketing, KYC, Financial markets, Field Service, Citizen Engagement, Industrial Automation, Aviation Safety, Audio-Video-Image analytics, Social Care, etc. Several of these have subsequently been deployed, resulting in positive business outcomes. His focus industries have been banking, financial markets, insurance, homeland security and defence, automotive, healthcare.

Manprit brings a broad range of industry and technology delivery experience into his current role at Avanade. Before joining Avanade, Manprit held engineering positions at, IBM Watson, Siemens Healthineers. At IBM Watson he drove innovation by creating AI solutions that leveraged ML/DL, NLP, advanced analytics, as well as Cloud and IoT capabilities with clients globally. Early in his carrier at Siemens he had the opportunity to work on computer aided diagnostics platforms for radiology.

He has a masters in Computer Sciences and gets invited to speak at a lot at events and do guest lectures to graduate level classes in Analytics & Machine Learning. He keeps a close watch on the research areas in the field and strives to bring promising developments into production applications.

In his free time he contemplates about future of humanity with AI and finds was for applying AI to primary education.

Meet your speakers

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Marc Mathenz

Managing Director for Asia Pacific

Fiserv Asia Pacific

Marc Mathenz is the managing director for the Asia Pacific region in the International Group at Fiserv, Inc. Joining the company in early 2015, he oversees business development, sales and marketing, operations and customer relationships for the region.

Mathenz has a strong background in business and corporate development as well as operations. He has a demonstrable track record of managerial excellence and shareholder value creation with experience working for blue chip leaders in financial services, financial technology, payments services, professional and business services as well as software. In addition, he has experience in the private equity and early stage venture capital sector and co-founded a successful technology corporate finance advisory business.

Previously, Mathenz was with First Data for a decade, most recently as senior vice president (SVP), head of Asia Pacific, responsible for managing the First Data business across 12 countries and prior to that role as Chief Financial Officer, Asia Pacific.

Mathenz has held a number of senior posts based in London at Henderson Private Capital Ltd, GorillaPark Ltd, Tomkins Plc and Credit Suisse First Boston.

He received a Master’s of Business Administration from London Business School, U.K., and a Bachelor’s of Business Administration from Goizuetta Business School at Emory University, U.S. He is also a member of the Association of Chartered Certified Accountants (ACCA) and a Chartered Financial Analyst (CFA) charter holder.

Nauman Bashir

Head of Digital Banking

Standard Chartered Bank, Singapore

Nauman is heading Digital Banking in Standard Chartered Bank in Singapore

In his most recent positions Nauman has been managing Regional Programmes and Investments. Nauman has led large transformational programs in the bank adopting emerging digitization and simplifications trends. Leveraging on technology, architecture and capability based models to future proof these investments.

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Paolo J. Baltao

Senior Vice President

Union Bank of the Philippines

Paolo J. Baltao, Senior Vice President of Union Bank of the Philippines, heads its EON Banking Group. EON is the first fully digital, award-winning neo banking platform in the Philippines. Through its focus on users’ securityand convenience, EON has become the partner of choice to communities requiring innovative banking solutions.

Paolo was the President of G-Xchange, Inc., a wholly-owned subsidiary of Globe Telecom which operates and manages its m-commerce product, GCash. With almost 3 decades of experience in product management and business development, Paolo champions the digital banking revolution.

Shefali Gupta

Executive Director, Technology & Operations, Strategy & Planning Management Office

DBS Bank (Singapore)

Shefali is a senior international banker with 18 years of experience in consumer and corporate banking with Citigroup and DBS Bank. In her current role as Executive Director of the Technology & Operations Strategy & Planning Management Office, Shefali has executive oversight in areas such as Customer Experience (CE), Strategic Initiatives, Change Management and Future of Learning. As the regional CE lead for consumer and private banking, Shefali oversaw and executed CE strategies for DBS, Southeast Asia’s largest bank, in countries including India and Indonesia, and developed customer acquisition and on-boarding framework for the affluent segment. She has consistently led projects and teams to exceed set goals and expectations in wealth management, cards and consumer liabilities businesses, among others.

Prior to DBS, Shefali held several senior positions in Citigroup India and the UK, spanning business management, sales, marketing, credit and operations. In her last role as Senior Vice President, CITI EMEA, she was the Head of Client Delivery, Service & Credit, Commercial and Pre-paid cards, and was a member of the Commercial Cards Management Committee. Based in Singapore, Shefali studied Management in India and is married with one daughter.

Sanjoy Sen

Managing Director, Head of Strategy & Finance, Consumer Banking & Wealth Management

DBS Bank

Sanjoy Sen is the Head of Strategy & Finance for the Consumer Banking & Wealth Management Group in DBS Bank Ltd. Prior to joining DBS, Mr Sen was the Managing Director of Retail & Wealth Business for Asia for ANZ. He is a senior international banker with more than 25 years of experience in Consumer and Commercial Banking. He joined ANZ in 2012 and was based in Singapore. Prior to joining ANZ, he served as Citigroup’s Managing Director and Consumer Bank Head for Middle East & North Africa. Prior to that, he served as the Chief Operating Officer and Retail Banking Head for Citibank in China.

Meet your speakers

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Shirish Jain

Director, Payments

PwC Strategy

Shirish is with PwC Strategy&’ Financial Services practice where he leads Payments for the region. He recently relocated to Singapore after spending 19 years in Australia. Shirish brings rich industry and consulting experience of over 15 years in domestic and cross-border payments, and FinTech, innovation in Singapore, Australia, and other Southeast, South Asian countries. His portfolio includes regulators, banks, payments utilities, industry associations, and start-ups. With in payments his success stories span national transformation to cashless, digital financial inclusion, growth and market entry strategies, and payments innovation.

Meet your speakers

Simon Partridge

Director, Financial Services Smart Work Innovation (SWI)

Fuji Xerox Asia Pacific

Delivering Transformation Through Communications Services Driving Customer Advocacy in an Empowered Market.

Over 35 Years in the Customer Communications business working for Xerox and Fuji Xerox in over 55 countries across five Continents

Simon has been the driving force behind some of the most Innovative Communications strategies for European, Asian and Global Customers.

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Bank statements

DBS is a leading financial services group in Asia, with over 280 branches across 18 markets. Headquartered and listed in Singapore, DBS has a growing presence in the three key Asian axes of growth: Greater China, Southeast Asia and South Asia. The bank’s “AA-” and “Aa1” credit ratings are among the highest in the world.

Recognised for its global leadership, DBS has been named “Best Bank in the World” by Global Finance. The bank is at the forefront of leveraging digital technology to shape the future of banking, having been named “World’s Best Digital Bank” by Euromoney. In addition, DBS has been accorded the “Safest Bank in Asia” award by Global Finance for nine consecutive years from 2009 to 2017.

DBS provides a full range of services in consumer, SME and corporate banking. As a bank born and bred in Asia, DBS understands the intricacies of doing business in the region’s most dynamic markets. DBS is committed to building lasting relationships with customers, and positively impacting communities through supporting social enterprises, as it banks the Asian way. It has also established a SGD 50 million foundation to strengthen its corporate social responsibility efforts in Singapore and across Asia.

With its extensive network of operations in Asia and emphasis on engaging and empowering its staff, DBS presents exciting career opportunities. The bank acknowledges the passion, commitment and can-do spirit in all of our 26,000 staff, representing over 40 nationalities. For more information, please visitwww.dbs.com

HSBC Group’s history in Singapore dates back to 1877 when its founding member, The Hongkong and Shanghai Banking Corporation Limited, opened its first branch on the island. A qualifying full bank, HSBC in Singapore offers a comprehensive range of banking and financial services including retail banking and wealth management; commercial, investment and private banking; insurance; forfaiting and trustee services; securities and capital markets services. One of the earliest banks to establish in Singapore, HSBC today is a prominent player in Singapore’s financial services sector serving the banking needs of multi-national corporations, home-grown businesses, private banking clients, institutional and retail customers. In May 2016, HSBC locally incorporated its retail banking and wealth management business in Singapore and established, HSBC Bank (Singapore) Limited. Till this day, HSBC’s flagship office remains at the original Collyer Quay site where its first branch was set up. HSBC Singapore has a retail network of 12 branches and many locations across the island providing self-service terminals.

Central The 1 Credit Card is a co-branded credit card cooperation between Krungsri Group and Central Group, it is moreover a remarkable synergy of all the business units within Central Group is the largest retail operator in Thailand, offering up to x4 “The 1 Card” points, discounts, and many more enticing privileges. It is the first credit card ever to earn “The 1 Card” points anywhere, anytime and not just at Central Group with 4 unique styles to choose to match cardholders’ lifestyles.

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Bank statements

IndusInd Bank, which commenced operations in 1994, caters to the needs of both consumer and corporate customers. Its technology platform supports multi-channel delivery capabilities. As on June 30, 2018, IndusInd Bank has 1410 branches, and 2285 ATMs spread across geographical locations of the country. The Bank also has representative offices in London, Dubai and Abu Dhabi. The Bank believes in driving its business through technology. It enjoys clearing bank status for both major stock exchanges - BSE and NSE - and major commodity exchanges in the country, including MCX, NCDEX, and NMCE.

IndusInd Bank on April 1, 2013 was included in the NIFTY 50 benchmark index. Recently, IndusInd Bank ranked 13th amongst the Top 50 Most Valuable Indian Brands 2015 as per the BrandZ Top 50 rankings powered by WPP and Millward Brown.

Ratings:• CRISIL AA + for Infra Bonds program• CRISIL AA for Additional Tier I Bonds program• CRISIL A1+ for certificate of deposit program• IND AA+ for Senior bonds program by India Ratings and Research• IND AA for Additional Tier I Bonds program by India Ratings and Research• IND A1+ for Short Term Debt Instruments by India Ratings and Research

Visit us at www.indusind.com

Twitter - @myindusindbank | Facebook - https://www.facebook.com/OfficialIndusIndBankPage/

Among the tsunami of credit card offerings in this fiercely competitive market, only the relevant offers would get attention from the customers. Our data scientists have utilized Geo-location technology and Krungsri Consumer’s Big Data Analytics platform to develop a sophisticated merchant recommender system suite to send only the right offers to our customers at the right time and the right location.

Maybank is Malaysia’s largest bank by market capitalisation and total assets and one of the largest banks in Southeast Asia, with total assets exceeding US$165 billion and having a net profit of US$1.75 billion for 2015. Ranked 95th in The Banker’s 2015 Top 1000 World Banks (as at July 2015) and 362th in the Forbes Global 2000 Leading Companies (as at June 2016), Maybank is the largest public listed company on Bursa Malaysia, the Malaysian stock exchange, with a market capitalisation of US$19.1 billion as of 31 December 2015.

Maybank’s network spans across all 10 ASEAN nations as well as key Asian countries and global financial centres with a network of 2,400 offices worldwide with more than 45,000 employees.

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RCBC Bankard Services Corporation (RBSC) is the Card Servicing entity of Rizal Commercial Banking Corporation (RCBC), one of the Philippines largest private universal banks. RCBC and RCBC Bankard Services Corporation are members of the Yuchengco Group of Companies (YGC). RCBC Bankard provides unique and world-class cashless transactions, versatile add-on services, and an innovative rewards program to its cardholders. For more information on RCBC Bankard, visit www.rcbcbankard.com

Driving commerce and prosperity

We offer banking services that help people and companies to succeed, creating wealth and growth across our markets. Our heritage and values are expressed in our brand promise – Here for good.

With more than 86,000 employees and a presence in 60 markets, our network serves customers in close to 150 markets worldwide. We’re listed on the London and Hong Kong Stock Exchanges as well as the Bombay and National Stock Exchanges in India.

SCB Abacus is an AI-powered data analytics company under Siam Commercial Bank (SCB). Our vision is to pioneer cutting-edge AI and Big Data technology to build B2B2C solutions to help corporates personalize service at individual level, with emphasis on millennials. We apply machine learning techniques, experiment with disruptive technology, as well as partner with B2C clients to gain insights on millennials in order to revolutionize our product capabilities.

United Overseas Bank Limited (UOB) is a leading bank in Asia with a global network of more than 500 offices in 19 countries and territories in Asia Pacific, Europe and North America. Since its incorporation in 1935, UOB has grown organically and through a series of strategic acquisitions. UOB is rated among the world’s top banks: Aa1 by Moody’s and AA- by Standard & Poor’s and Fitch Ratings respectively. In Asia, UOB operates through its head office in Singapore and banking subsidiaries in China, Indonesia, Malaysia and Thailand, as well as branches and representative offices across the region.

Over more than eight decades, generations of UOB employees have carried through the entrepreneurial spirit, the focus on long-term value creation and an unwavering commitment to do what is right for our customers and our colleagues.

We believe in being a responsible financial services provider and we are committed to making a difference in the lives of our stakeholders and in the communities in which we operate. Just as we are dedicated to helping our customers manage their finances wisely and to grow their businesses, UOB is steadfast in our support of social development, particularly in the areas of art, children and education.

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*Approval is subject to loan application via MyInfo application and approval for other applications submitted not via MyInfo will be subjected to documentation requirements.

Other terms and conditions apply. Please refer to uob.com.sg/carloans for details.

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United Overseas Bank Limited Co. Reg. No. 193500026Z

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