how cgi is accelerating banks' digital transformation programs

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© CGI Group Inc. CONFIDENTIAL Digital Payments Digital Banking Digital Government Digital Energy April 12, 2016 2016 CGI Global Analyst Forum Digital Banking

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© CGI Group Inc. CONFIDENTIAL

Digital Payments

Digital BankingDigital Government

Digital Energy

April 12, 2016

2016 CGI Global Analyst ForumDigital Banking

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Digital Banking agenda

CGI’s Vision: Pinpoint focus on priority transformation

CGI IP: Digital-ready banking platforms

CGI Client: Delivering digital transformation

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Penny HembrowSVP, Global Marketing and Financial Services Lead

How CGI is accelerating banks’ digital transformation programs

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Banking is at the forefront of digital disruption with real urgency to digitize

* Many CGI clients span multiple industry verticals and may be more advanced than peers. For the purposes here we have used the predominant industry and average across all CGI clients

Source: CGI Voice of Our Clients (2015)

Competing for the digital customer

Shifting market definition

Exploitation of digital technologies & data

Regulation / Public Policy

Consumer Intensive

Changing business economics & cost pressure

Innovation

Exploitation of digital technologies & data

Shifting market definition

Changing economics & cost pressures

Regulation / Public Policy

Exploitation of digital technologies & data

Security & geo-political pressures

82%59%

52%40%

55%36%

33%32%

90%32%

29%25%

Asset Intensive

InsuranceOil & Gas

Healthcare

Transport

Retail

Banking

Manufacturing

Government Central & Local

Utilities

Communications

Risk & Investment Intensive

Business urgency

Political urgency

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CGI has the end-to-end services to support banks’ digital transformations

USA Payments center of expertise Wholesale banking center of

expertise Capital markets center Cybersecurity center Digital insight center of expertise

(Louisiana)

Canada Wealth center of expertise Agile development center Digital consulting Mobile development center Cybersecurity center Capital markets center Wholesale banking center

UK Agile development factory Block chain & API POC center Capital markets center Payments center of expertise Digital consulting Cybersecurity center Digital insight center

Iberia Digital value-add factory Digital Insight center of expertise Branch of the Future Intelligent documents IOT center of expertise

France & Luxembourg Digital center of expertise (Montpellier &

Bordeaux) Retail center of expertise (Lille) Deep digital insight capabilities Customer Journey digitalization POCs in i-beacons Digital consulting

Nordics Cloud consulting & servicing Cybersecurity center Digital insights center Mobile app and agile factories POCs in i-beacons & block chain Loyalty card center of expertise

Germany, Benelux & Eastern Europe Payments center of expertise Data science capability Protect the Bank center Agile development factories

12,000 banking professionals around the world

Financial Services contributes 21% of CGI revenue

Support 20 of top 25 banks in the Americas, 19 of top 20 banks in Europe

Key contributor to all CGI Strategic Business Units

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CGI’s Banking clients fully recognize the imperative to transform

Retail Banking

1. Digital impact on marketplace

2. Changing customer expectations

3. Disruptive technology & competition

4. Importance of business intelligence

5. Regulation & control burden

Modernizing Run the Bank

Digitizing the Bank

Protecting the Bank

Wholesale Banking

1. Regulation & control

2. Data driven

3. Scalable platforms

4. Trade lifecycle digitalization

5. Focus on profitable business

Modernizing Payments

IT Priorities

Source: CGI Voice of Our Clients (2015)

EMBEDDED CYBERSECURITY

Reduce the Run Invest in Change Grow Revenue

Consumers and corporates are demanding value-add services that enrich and facilitate their business and personal lives

Source: CGI Financial Consumer Demands for Tomorrow’s Digital bank; AFT Survey on Global Transaction Banking

7 – Strictly Confidential

Percentage of Corporates expecting to renegotiate or add banking

relationships over the next year

35% 41%NorthAmerica Europe

Top Products under Review

Cash Mgt

Payments

FX (incl hedging)

Pooling & netting

Trade Finance

76% 70%

58% 58%

46% 58%

38% 44%

32% 37%

Consumer Top Value-Add Services

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Established banks are faced with complex operations, rising run costs and scarce change spend

Enterprise Systems

Mission Critical Business Systems

Cyber & Fraud Security Digital Transformation

28% 45% 12% 15%

Change the Bank Mandatory ChangeRun the Bank

Source: CGI Voice of Our Clients (2015)

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Banks require services and solutions to reduce run, invest in change and drive revenue growth

Consumer Banking

Corporate Banking

Wealth Management

Capital Markets

Common Platforms

Acceleration in change through SaaS and

outsourcing strategies

Reduce the Run

Real time processing

Automate personalized customer journeys

Invest in Change

Digital Insights

Data and analytics as critical asset to drive

revenue and risk mgmt

Value-Add Services

Innovation cycles of value-add services

Grow Revenue

Source: CGI Voice of Our Clients (2015)

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CGI has a comprehensive portfolio for banks accelerating digital transformation across all sub-industries

High-end consulting

IP30

Transformational outsourcing

Change

Grow

Run

CGI’s Services & Solutions aligned to Banking Industry PrioritiesDigitizing the bank

Modernizing Payments

Protectingthe bank

Modernizing “run the bank”

Strategy consulting

Agile development factories

Customer journey digitalization

Digital omni-channel

Value-add services

Digital insight

Banking platforms

Standards consulting

Consulting at national and bank levels

Payment SaaS

SaaS and BPaaS

SI / testing around payment hubs

Systems integrator for identified leading partners

Risk and regulatory data governance and architecture

Real-time process monitoring / risk / reporting resolution

Regulatory reporting SaaS

Cyber protection (IP)

AML / fraud / KYC solutions and platforms

Rules engines

Consulting assessment and roadmap / business case

Outsource and sunset to generate funds

for change

Re-platforming and application management

Enterprise re-architecting and application portfolio

management

Disruptive technologies, e.g., blockchain

IT intensive BPO around IP

Real-time payments

Value-add services

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Bringing the digital customer journey to life

Client deliverables

• Payments with your mobile from your BIL account based on smart-tags • Cardless ATM withdrawals (e.g., when you forget your wallet)• Simple payments/transfers to friends (e.g., in a restaurant)• TouchID authentication for quickbanking• Smart-watch integration• Multiple POCs using iBeacons for withdrawals, make transfer by "bumping" phones, etc.• And of course all standard functionalities including; Accounts, Transfers, Orders,

Electronic documents, Messaging, ...

CGI is supporting the "Banque Internationale à Luxembourg" to develop all aspects of their comprehensive Digital program, including an integrated suite of consumer banking applications Digital Customer

Experience Internet

of Things

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CGI is investing in banking platforms to support end-to-end digital advisory customer journeys - Wealth360®

Personalized Agent Experience Online Robo ExperienceCall Center-Based Agents

INTAKE DISCOVERY EXECUTION & ONGOING RELATIONSHIP BUILDINGAutomated Mgmt. Monitoring/Admin Plans & Actions

With fully digitized process flows providing complete client coverage through multiple distribution channels & management styleson a single, unified platform:

AdvisorToolbox

Overlay Admin.

Single Platform

WEALTH PLATFORM End to end experience for

Rep-as-PM or centralized investment advisory

Full spectrum of personalization Configurable, modular, flexible

construction Automated workflow

Responsive HTML5 interface

Highly customizable Intuitive design

Built with efficiency in mind mobile, single-sign-on, management by exception:

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FX Cash & Precious Metals on the fly

Client challenges

• CIBC wanted to launch new high value products and services for passengers and employees of Toronto Pearson International Airport (YYZ)

• Wanted to leverage the high mass exposure as an opportunity for branding and loyalty

• Leverage the investments in CIBC’s recent Precious Metals Online solution

• Established a fast, trusted and convenient foreign exchange service for 37M passengers, 40,000 airport employees, and 100,000 newcomers to Canada each year

• Expansion and strengthening of CIBC’s brand with customers and target customers

• Established a platform for future expansion to other retail and online channels

Client benefits

CIBC relies on CGI’s end-to-end solution capabilities to be the only bank in Canada to sell FX Cash and Precious Metals at Pearson Airport Internet

of ThingsDigital Customer

Experience Consulting

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Focused on client needs Pinpoint focus on priority transformation needs to reduce run, invest in change and drive revenue.

Strength across banking Deep expertise and scale in retail, wealth, transaction banking and capital markets.

Expert digital capability Banking digital centers of expertise operating in major global financial centers.

End-to-end portfolio Portfolio of services from strategy consulting, high-value implementation, IP and transformational outsourcing.

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5 IP30 Digital-ready banking platforms.

Key takeawaysDIGITAL BANKING VISION

Open Q&A