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HCL Technologies Head Office

HCL Technologies Ltd The Senate #33A, Ulsoor Road, TEL : +91-80-51246800 FAX : +91-80-51246888

Australia Office

Level 23, 111 Pacific Highway North Sydney Australia Tel.: +61-2-9929-9900 Fax: +61-2-9929-9100 Email: [email protected]

China Office

HCL Technologies (Shanghai) Limited 5th Floor, Building 23, 498, Guoshoujing Road PuDong New Area People's Republic of China Tel: +86-0-21-50805106 Fax: +86-0-21-50805776 Email: [email protected]

Germany Office

HCL GmbH Frankfurter Strasse 63-69 Germany Tel: +49 (0)6 196 779 970 Fax: +49 (0)6 196 779 9755 Email: [email protected]

Hong Kong Office

HCL Hong Kong SAR Limited 4203A, 42/F, China Resources Building 26 Harbour Road Tel. : +852-2213-9205 Fax : +852-2802-1160 Email: [email protected]
Hong Kong

India Office

HCL Technologies Ltd Corporate Office A-10/11, Sector- 3 Noida- Uttar Pradesh Tel.: +91-120-253-5071 Fax : +91-120-253-0591 Email: [email protected]

Japan Office

HCL Japan Limited 10F, Sumitomo Fudosan Kudanshita Bldg 3-5, Jimboucho, Kanda, Chiyoda-ku , JAPAN Tel: +81-3-5226-2641 Fax: +81-3-5226-2642 Email: [email protected]

Malaysia Office

HCL Technologies Malaysia SDN. BHD. Level 51, Tower 2 Petronas Twin Towers Kuala Lumpur City Centre, Malaysia Tel: +603-2031-8588 Fax: +603-2031-8587 Email: [email protected]
Kuala Lumpur

Middle East Office

HCL Technologies Middle East Office 201, Building 3 Dubai Internet City Dubai - UAE Tel: +971-4-3913000 Fax: +971-4-3913001 Email: [email protected]

Netherlands Office

HCL Netherlands BV Overgoo 15 2266 JZ Leidschendam The Netherlands Tel: +31 (0)703 012 410 Fax : +31 (0)704 190 067 Email: [email protected]

New Zealand Office

HCL New Zealand Ltd. Level 7, 154 Featherston Street P.O. Box 11542, New Zealand Tel.: +64-4-471-6440 Fax: +64-4-496-5209 Email: [email protected]

Poland Office

HCL Poland Sp. z o.o. Kraków Business Park ul. Krakowska 280 32-080 Zabierzów, Poland Tel: +48 12 390 9000 Email: [email protected]

Singapore Office

HCL Singapore Pte. Ltd. 8 Shenton Way # 16-01 Temasek Tower Tel: +65-62738288 Fax: +65-62780648 Email: [email protected]

United Kingdom Office

HCL Great Britain Ltd Network House, Norreys Drive Maidenhead, Berkshire United Kingdom Tel: +44 (0)1628 778 555 Fax : +44 (0)1628 777 566 Email: [email protected]

United States Office

HCL America, Inc. 330 Potrero Avenue CA Tel: +1-408-733-0480 Fax: +1-408-733-0482 Email: [email protected]


91-44-22540473 Extn 2104


Ravi Shanker
[email protected]

Capital Stream – Commercial Banking Solutions


Capital Stream


Commercial banks have traditionally used a wide range of disparate systems and manual processes to originate loans and leases, manage relationships and monitor accounts. As a result, processing is slow, errors are frequent, operations are inefficient, growth is limited and information is inaccessible. Does this describe your operation? Are you able to respond quickly with outstanding service to grow your portfolio while still managing risk and controlling costs? Is your operation competitive?CapitalStreamTM is an integrated software platform enabling commercial banks and finance companies to implement Straight Through Processing (STP) across lending and leasing portfolios. CapitalStream transforms manual paper-based operations into streamlined automated enterprises that respond quickly, efficiently and consistently. CapitalStream is part of HCL’s growing portfolio of integrated software products that provide financial institutions end-to-end solutions that are proven, low cost and quick to implement.CapitalStream streamlines sales, origination, credit, decisioning, documentation, closing, funding, booking, account monitoring and ongoing risk management to revolutionize how banks develop and manage lending relationships. The complete STP platform automates workflow using proven best practices based on implementations at world class financial institutions that ensure success and minimize implementation time.Highlights of CapitalStream capabilities include:

Straight Through Processing Platform for Lending and Leasing

Reduce Cost, Risk and Processing Time While Growing the Portfolio

  • Origination

    – Enter and maintain terms and conditions, borrower, relationship, security and collateral information for simple to complex deal structures

  • Credit / Underwriting

    – Automatically retrieve and store all credit information and manage sophisticated underwriting processes that integrate scoring with automated review and approval routing

  • Documentation

    – Electronically generate, revise, store and deliver contracts and other documents tracking all revisions to close deals more efficiently and consistently

  • Workflow

    – Route transactions automatically through all needed departments and personnel according to size, score or other business rules. The entire team knows who needs to do what and when

  • Integration

    – Standard gateways integrate with other lending, banking, credit and documentation systems so information is entered once to ensure consistency and eliminate redundant data entry

  • Monitoring

    – Monitor customer credit and account information after the relationship is established to automate covenant compliance and financial statement tracking

  • Analysis

    – Analyze customer, exposure, rate, credit, security, collateral, balance, transaction and other information to monitor operational and portfolio performance, credit exposure and customer profitability


CapitalStream provides comprehensive integration, automation and analytics capabilities that enable banks to reduce cost, risk and processing time. The web-based, n-tiered architecture integrates easily with existing applications so information is accessible and flows seamlessly from one function to the next. The information, screens and processes are highly configurable allowing each bank to tailor the system to the way they do business.Banks that have implemented CapitalStream have consistently achieved substantial gains in efficiency allowing them to grow their business and portfolio without increasing headcount. The proven success has yielded significant returns on investment and sustainable competitive advantage. The following are just some of examples of the benefits realized in financial institutions in which CapitalStream has been implemented.

Proven Success and Benefits

  • First year volume up 64% while headcount down 25

  • Transaction cost reduced by 30%

  • Decision time reduced from 2 days to immediate

  • Error rates declined from 75% to 5%

  • Ratio of customers to salesperson increase by 300%

  • Efficiency increase by 130%

  • Reduction in effort by 40%

  • Reduction in elapsed processing time by 65%

  • Types of documents generated automatically: 300

  • Applications processed per month in excess of 12,000

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