ARUN JAIN'S DIARY

We are happy to announce our successful FY19 results, the results vindicate 4 points in our journey to be a global FinTech player
a) Belief in ourselves to deliver cutting-edge products
b) The power of brand driving business outcomes
c) Culture of Design Thinking driving operational excellence
d) Partnership with customers driving the outcome from contextual and digital

There are 3 triangles in which a product company works – Strategy, Business and Finance.

The Strategy triangle is all about the organisation’s design, technology, and the market that is chosen. So, making the right choices of 4 LOB structures, contextual & digital and advance market share is the 1st strategic triangle that is working for us

The Business triangle, where we are getting 65% of our revenue from advance market. There is a better pricing power, our products are chosen by top 3 players in each market which is supported by our license revenue growing from an average of $250K to close to $1Mn license value.

3 drivers of the Finance triangle: 36% growth in revenue, 144% growth in EBITDA, 180% growth in PAT, which is the outcome of strategy & business.

I must congratulate and thank the high intellect and committed leadership team and talent who made us achieve what we promised the investors.

#4QWithCNBCTV18 | Arun Jain, CMD, @i_DesignArena says expect a 20% revenue growth in FY20; Managed to sign 2 new large deals in FY19 & #govt achieved Rs 20,000 cr of sales on govt e-marketplace in first year itself#OnCNBCTV18 @latha_venkatesh @_soniashenoy @Reematendulkar pic.twitter.com/xbRUNM3DAt

— CNBC-TV18 (@CNBCTV18News) May 3, 2019

Treasury has a critical role to play in shaping a bank’s strategy as the treasurer has to monitor the liquidity exposures, manage balance sheet volatility, maintain capital buffers and comply with a slew of regulatory requirements, while contributing as a strategic partner to the business.

Disparate systems and silos hamper the growth objective of the treasurer. An integrated treasury & ALM with real-time view of exposures and risk, aiding rapid decisions is the need of the day.

Today, I feel proud to present ‘Capital Cube’ from Intellect, an integrated treasury & ALM solution, that aids the treasurer to strategically manage the balance sheet, adapt to regulatory regimes, optimise liquidity and leverage risk to maximise profits for the bank. Capital Cube enables greater strategic planning and execution by bringing together the six key business levers for today’s treasurers which are as follows:

• Treasury – Integrated Front, Mid and Back office with comprehensive asset coverage to mitigate operational, financial and settlement risks and increase operational efficiency
• ALM – Holistic view of balance sheet, identifying gaps in liquidity and impact of interest rates. Highlighting the true profitability across product lines and business segments.
• Capital Adequacy – Maintaining capital as per regulatory requirements ensuring optimum buffer for efficient utilisation of funds. Helps track and maintain regulatory ratios at optimal levels by ensuring proper balance of short and long term funding sources.
• Risk Management – Real-time capabilities to identify and monitor, liquidity and market risk through industry standards and metrics
• Client Servicing – CBX FX – Increasing customer engagement index by enabling the bank’s clients to hedge positions for better risk-return outcomes to fuel business growth
• Analytics – 21 key decision support analytics providing real-time business insights and highlighting areas requiring management involvement

This solution is an outcome of our more than a decade’s risk and treasury domain expertise while adapting to changing market, regulatory and tech developments.

As I reminisce the key milestones achieved and the major upgrades, I feel happy to see this product today as a functionally rich, designed on a tech architecture meant for zero downtime.

The journey which started with a funding desk transformation for a top 5 global bank in 20 countries across the globe covering Europe, UK, North America and Canada continued with a pan Africa implementation (20 countries) for a top African Bank . This was the time when we upgraded to a cross-asset solution.

This was followed by a major win in the Middle East, where we integrated with a third party CBS and enriched our solution with ALM.

While this was happening, there was a quiet revolution in India where we crossed 20+ customers and extended our offering to NBFCs, Insurance and Payment banks. During this time, new asset classes were supported, making it a comprehensive asset coverage solution.

The story got bigger when we provided our solution to prominent central banks in Europe, Asia, Africa and India. With central banks, we enriched our offering with Portfolio Management & Analytics and Reserve Management. ALM was upgraded and made functionally rich with a capability to provide a 360 degree view and management of balance sheet along with FTP.

Innovative product offerings helped us make in-roads in Turkey with Portfolio and Investment Management Firms and ensured 5 major wins in APAC. Throughout, managing risks and adapting to regulations was the forte and the solution was further empowered with liquidity risk and market risk management, while helping banks comply with Basel III reporting.

The brand has hence stood the test of time and evolved over a decade of growth, maturity and successful relationships globally.