CapitalStream

HCL Technologies is a worldwide leader in applying innovative processes and technologies to accelerate, automate and integrate lending operations. HCL offers a unique combination of software and services targeted specifically for business, commercial, real estate and equipment finance operations. HCL develops, distributes and implements CapitalStream, an award winning Straight Through Processing platform for lending and leasing. CapitalStream provides a complete workflow automation solution including standardized best practices proven at world class financial institutions that ensure success and minimize implementation time.

HCL also provides a wide variety of services in technology and operations to improve the overall effectiveness of lending and leasing operations. HCL has established Centers of Excellence (CoE) in all leading technologies and products for lending. These include:

	Business Process Management (BPM) Define and improve lending processes, especially those to be automated with the CapitalStream solution.
	Enterprise Application Integration (EAI) Automate and manage integrations with numerous lending systems leveraging best of breed middleware technologies.
	Application Development & Maintenance (ADM) Build, enhance and support the legacy systems that are all too prevalent in lending.
	Enterprise Content Management (ECM) Implement or enhance imaging and content management systems bank wide and integrate with the CapitalStream platform.
	Customer Relationship Management (CRM) Improve the bank’s overall CRM systems and processes, and link them together with lending processes and systems.
	Business Intelligence (BI) Leverage the extensive lending information available in CapitalStream and other lending systems to provide flexible analysis and reporting and enables more informed business decisions.
	Service Oriented Architecture (SOA) Define the SOA processes in lending and across the bank while also leveraging CapitalStream web services.
	Business Process Outsourcing (BPO) Lower operational costs and improves Service Level Agreements (SLAs) using offshore and onshore outsourced operations for document preparation, loan servicing, collateral/insurance monitoring and credit administration.
	Remote Infrastructure Management (RIM) Efficiently operate and maintain the hardware, systems and network infrastructure for various lending and banking systems.

The above are just highlights of the technology services HCL can offer commercial banks and other financial institutions. For additional information see www.hcltech.com.

The HCL CapitalStream Lending Group is a dedicated team within HCL focusing on providing software and consulting services to the lending and leasing operations of commercial banks and finance companies. The establishment of a focused team highlights HCL’s commitment to this critical financial services vertical. It is our vision to revolutionize lending and leasing operations by combining the most innovative systems with the most experienced people to have a significant and sustained positive impact on our client’s business.

HCL Technologies is one of India's leading global IT Services companies, providing software-led IT solutions, remote infrastructure management services and BPO. Having made a foray into the global IT landscape in 1999 after its IPO, HCL Technologies focuses on Transformational Outsourcing, working with clients in areas that impact and re-define the core of their business. The company leverages an extensive global offshore infrastructure and its global network of offices in 18 countries to deliver solutions across select verticals including Financial Services, Retail & Consumer, Life Sciences & Healthcare, Hi-Tech & Manufacturing, Telecom and Media & Entertainment (M&E). For more information, please visit www.hcltech.com.

HCL Enterprise is a leading Global Technology and IT enterprise that comprises two companies listed in India - HCL Technologies & HCL Infosystems. The three-decade-old enterprise, founded in 1976, is one of India's original IT garage start-ups. Its range of offerings span Product Engineering, Custom & Package Applications, BPO, IT Infrastructure Services, IT Hardware, Systems Integration, and distribution of ICT products. The HCL team comprises approximately 53,000 professionals of diverse nationalities, who operate from 18 countries including 360 points of presence in India. HCL has global partnerships with several leading Fortune 1000 firms, including leading IT and Technology firms. For more information, please visit www.hcl.in.