Internet Banking for corporate clients

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Internet Banking for corporate clients
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What is the Remote banking

• Remote banking is an alternative to traditional
  banking that gives an opportunity to enjoy
  banking services (payments, statements, access to
  accounts current, card, credit, deposit) without
  coming to the bank office
• Halyk Bank of Kazakhstan can offer you 3 modules
  of remote banking
• Bank Client module (software is installed on
  the clients PC) allows you within few minutes to
  make payment documents, send them to the Bank,
  receive an acknowledgement of document payment,
  and check current status of account
• Internet Client module (access to the
  accounts through https//ib.halykbank.kz) allows
  fulfilling of different bank operations through
  the bank site, as well as tracking of the current
  status of accounts
• Online statement" module (access to the accounts
  through https//ibank.halykbank.kz) allows seeing
  account remainder and account statement by use of
  login and password
• For remote banking Halyk Bank of Kazakhstan uses
  solutions of Bank Soft Systems company (Saint
  Petersburg)

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Why we selected solutions from Bank Soft
Systems company

• The most complete set of available services for a
  client and handy interface (noted by business
  departments of the Bank)
• Industrial solution with large number of
  installations. Bank Soft Systems during 10 years
  has been specializing only on solutions for
  remote banking and has all spectrum of remote
  services
• More than 60 of 200 top banks in Russia use
  solutions of BSS 5 banks in Kazakhstan
• Independent reviews of different agencies (?news,
  ORT and etc.) reveal high satisfaction of not
  only banks, but also their clients when using
  solutions of BSS
• According to rankings of Expert" rating agency
  and Internet publication CNews.ru, Banks Soft
  Systems" is in a hundred of major and the most
  rapidly developing IT-companies in Russia (first
  among banks specializing on solutions in remote
  banking area)
• The system of quality management BSS is certified
  according to international standard of ISO
  90012000
• Presence of support service in Almaty
  (BSS-Kazakhstancompany)

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Ways of connecting to the system
Bank Client module
Automated Banking system
RB BSS
Modem pool
Internet
Automated Banking system
RB BSS
Internet Client module
Internet
Automated Banking system
RB BSS
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Payment status alteration

• In Internet banking for corporate clients
  system the payments status change quite quickly
  (see picture below) and clients can see at once
  current status of a payment document
• Delays in status alteration may only be
  associated with time the manager spends on
  document settlements

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Advantages of the Internet Client module

• Independence from the place of payment
  fulfillment
• Possibility of remote signing of the documents
  prepared by the Accounting department
• No worries for loss of the payment document
  database (death of equipment, theft, shut down)
• Image policy my bank is always with me
• No need for the Bank to install systems - mass
  instilment
• Simplification of replication of client parts
  fulfillment
• License cost and system technical support are
  less pricey
• Online clients information support

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Interface of the Internet Client module
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Advantages of the Bank Client module

• More steady and faster connection with the bank
• Multi - screen (when a client can browse several
  kinds of documents simultaneously in one or
  several screens)
• Presence of confirmation
• Presence of convenient filters for documents
  revision
• Possibility to export and import archives of
  payment documents into external databases, i.e.
  possibility to select certain status of documents
  for archives
• Momentary receipt of account statements upon
  request due to simplified transport system and
  separately drawn image
• Functioning of software does not depend on
  operational system

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Interface of the Bank Client module
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Which services are available in the Internet
Banking

• Receipt of statements on cash remainders and cash
  flow on bank accounts for any period of time
  (incoming and outgoing remainder, transactions
  per day, statement on every operation)
• Current information receipt ?n cash flow on
  accounts of subsidiaries and branches located in
  various regions
• Preparation and submission of payment documents
  to the Bank for internal and external money
  orders in KZT and foreign currency
• Carrying out international money orders
• Transferring salaries and other payments of
  employees to their Bank accounts
• Transferring payments to savings pension funds
• Payment of mandatory social fees and taxes
• Control of own deposit accounts as well as their
  crediting and reduction (in the presence of such
  possibility in terms of deposit)
• Keeping track of changes in own credit accounts
  in the bank
• Control of employee expenses on corporate card
  accounts
• Review of currency exchange rates and other
  financial reference information
• Carrying out cashless buying/selling of foreign
  currency
• Making custom payments

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What else can surprise you in the Internet Banking

• Remote banking not only makes your work easy and
  fast but also provides additional facilities
• Keeping online track of status changes in
  payments sent to the bank (signed, sent,
  delivered, received, executed)
• Information exchange (payments, statements,
  currency exchange rates and etc.) between the
  bank and your accounting software (1? Enterprise
  and others)
• Use of automatic filling out of payment order
  details by reference systems internal (employees,
  counteragents and others) and external (foreign
  banks and etc.)
• Forming archives of payment documents of a long
  period
• Immediate exchange of informational letters with
  the bank having an option of files attachment
• Convenient and flexible control algorithms, which
  suggest you the errors in filling details already
  on the stage of preparing a payment
• Direction of request on recall of payment
  document (upon necessity)
• Flexible system of payment confirmation (by sum,
  account number, account currency, payment type)
  signed by an executive
• Use of certified cryptographic means of security
  of information transmitted between the bank and a
  client
• Twenty four hours a day consultation support on
  all questions arising
• 8-727-259-00-00 (for Almaty)
• 8-8000-8000-59 (call over Kazakhstan is free of
  charge)

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How to connect to Internet Banking

• To enjoy the services of the system 3 simple
  steps must be taken
• To have a current account in Halyk Bank/conclude
  an agreement to open an account in case of its
  absence
• To prepare for work with the system your PC,
  modem, telephone line or any other way to access
  Internet
• To call a manager to the bank branch to conclude
  an agreement on banking in the system of Internet
  Banking and to choose a system module who will
  work with (Bank Client or Internet Client)

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How much will it cost

• The cost of the Internet banking system is
  charged in accordance with the Tariffs of the
  bank and includes the following
• Single payment for the installation and
  adjustment of the system on your PC including
• visit of the bank specialist to your office for
  installment of the system
• assistance in generation of your personal key EDS
  on USB-flesh
• instruction of your personnel and necessary
  consultations
• Monthly subscription fee for the system
  maintenance
• Payment for bank services provided by the system

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Commission fees for Internet Banking
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Payments fees for Internet Banking
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Which module to choose

• Bank Client module
• designed for the work on PC on which we install
  software of Internet banking for corporate
  clients system module. Besides that, the
  software with the database can be installed on a
  portable digit carrier (USB Flash drive) and you
  work by connecting the carrier to the PC. Payment
  documents are formed on the local PC (or on the
  digit carrier), then the connection with the bank
  is performed and payments are transmitted to the
  bank. Reference information of the client
  (employees, counterparts, Code of Payment
  Purpose, Code of Budget Classification and etc.)
  is located and corrected locally on the clients
  PC, thereby the work with module Bank Client
  flows faster than in Internet Client module.
• Internet Client module
• designed for the work on any PC in any part of
  the world in Internet through the site of the
  bank https//ib.halykbank.kz. As the payment
  documents are formed immediately on the bank
  server, the permanent connection with the bank is
  necessary, even on the stage of documents
  preparation. Reference information of the client
  (employees, counterparts, Code of Payment
  Purpose, Code of Budget Classification and etc.)
  is placed on the bank server. Subscription fee
  for the Internet Client module is lower than
  for Bank Client module.
• You can use combined order and confirmation

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What do combined regime and approval mean

• Combined regime
• option of use of both modules of the System, but
  only in the presence of two EDS
• is used in the case when an executive wants to
  sign all documents sent by his accountant
• works when the module Bank Client has the
  First Signature, and the module Internet
  Client the Second one
• accountant prepares a document in the Bank
  Client module, signs it by the first signature,
  and sends to the bank
• director, being in another part of the world,
  accesses the server and signs the document by the
  second signature and the bank performs the
  document
• Approval option
• option of confirming all or certain payment
  documents prepared by your accountant having only
  one EDS
• only in the Bank Client module
• adjustment of the approval option can be
  performed as on one PC so on several PCs with the
  access to the unified database
• approval can be adjusted only for certain
  documents as well (e.g. only for payment orders)
  and establish a filter by the sum, for instance
• approvals will work only for the documents
  amounting over 10 000 KZT

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Where the agreement on distance banking can be
signed
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Where to address in case of questions

• Three following main phones can be found in the
  system interface and in the agreement
• your manager
• your operator
• your engineer
• From 9 till 1800 during the weekdays they are
  always available to help you
• During night-time and weekends at your service is
  the Contact Center
• 7 [phone] (for Almaty)
• 8-8000-8000-59 (call within Kazakhstan is FREE OF
  CHARGE)
• Up-to-date information on the sites of the bank
  in Internet banking for corporate clients
  section, where you can always familiarize
  yourself with the most recent information about
  the system
• http//www.halykbank.kz/business/internetbanking
• http//www.halyk24.kz/remote/internet_bank_corpora
  te