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©2012 Microsoft Corporation. All rights reserved. This document is provided “as-is.” Information and viewsexpressed in this document, including URL and other Internet Web site references, may change without notice.You bear the risk of using it.This document does not provide you with any legal rights to any intellectual property in any Microsoft product.You may copy and use this document for your internal, reference purposes.Benchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Serversii

Table of ContentsIntroduction .................................................................................................................................................. 1Overview of TEMENOS T24............................................................................................................................... 1Benefits of SQL Server 2012 .............................................................................................................................. 4Benefits of Intel Processor-Based Servers ......................................................................................................... 5Better Together: Microsoft, Intel, and Temenos .............................................................................................. 5High-Water Benchmark Testing Overview ..................................................................................................... 7Benchmark Testing Environment ................................................................................................................... 7Benchmark Test Results: Record-Breaking Performance ............................................................................. 12Detailed Results of Online Business Test ........................................................................................................ 12Detailed Results of Close-of-Business Test ..................................................................................................... 14Scalability ....................................................................................................................................................... 15Conclusion ................................................................................................................................................... 15Additional Information ................................................................................................................................ 16About Temenos .............................................................................................................................................. 16About XIO ....................................................................................................................................................... 16About Microsoft.............................................................................................................................................. 16About Intel ...................................................................................................................................................... 16Benchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Serversiii

IntroductionFinancial institutions today are under increasing pressure to provide more services, more quickly,and to more customers around the globe—all while maintaining scrupulous security and keepingcosts low. Players in the financial services sector must constantly consider speed of processing, datasecurity, reliability, development capabilities, ease of integration, and cost. These intensecompetitive pressures mean that financial institutions need to operate as efficiently as possible atall times.With TEMENOS T24 (T24), the Temenos Group provides a complete banking solution to help meetthese challenges. T24 provides a single, real-time view of client computers across the entireenterprise, enabling banks to maximize returns while also streamlining costs.Microsoft SQL Server running on Intel processor-based servers provides an ideal data managementframework for TEMENOS T24. With this foundation, T24 customers can experience faster fundstransfers, higher security-trades volumes, and quicker close-of-business processes; they can benefitfrom open, state-of-the-art technologies to accelerate innovation, which helps to greatly increasethe speed and effectiveness with which new products and services are created.To confirm the scalability and performance of T24 running on SQL Server and Intel Xeon processorbasedservers, Temenos, Microsoft, and Intel conducted high-water benchmark tests at theMicrosoft Platform Adoption Center (PAC) in Redmond, Washington, in August and September of2011. These benchmarking tests were designed to measure the capability of T24 to process onlinetransactions that represent typical activity during business hours and the close-of-businesscapability to run the end-of-day batch processes. The transaction test cases and mix percentageswere compiled from Temenos client computers to simulate the real-world scenarios and the dailyprocessing load of a large retail bank with a typical transaction history.The results of the high-water benchmark test exceeded expectations. The system processed morethan 11,500 transactions per second (TPS) in online testing and averaged more than 10,000 interestaccrual and capitalizations per second during close-of-business processing with near linearscalability (95 percent) as the number of agents used was increased.This report details the results of the high-water benchmark testing, and describes the hardware andsoftware used for the testing. Links for further information are also provided.Overview of TEMENOS T24Temenos Group AG, founded in 1993, is the market-leading provider of integrated core bankingsystems, giving banks a single, real-time view of the client across the enterprise. Headquartered inGeneva, Switzerland, Temenos has more than 1,500 customers and 700 implementations in morethan 125 countries.Benchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Servers1

TEMENOS T24 is a fully integrated, modular core banking solution that covers a broad spectrum offunctional requirements for the retail, private, corporate, universal, and Islamic banking andmicrofinance sectors. T24 consists of a core system for the common operations between the variousbanking activities and a series of modules that address the operational requirements of differentusers. T24 is built on an open architecture and uses established standards such as HTTP and XML.T24 is available as a Model Bank implementation, which embodies standard business practices builton the experience of a large number of T24 implementations around the globe. The Model Bankincludes thousands of pre-configured solutions for most general banking requirements.Additionally, T24 can be customized on-site to match specific customer requirements forunmatched product flexibility.The T24 solution consists of several layers, as shown in Figure 1, including:User access.Presentation (client computers).Messaging/connectivity (web servers).Application (application servers).Database (database servers).Figure 1. T24 infrastructureBenchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Servers 2

T24 Scalability and ResilienceT24 can be implemented within a simple client computer and single server architecture, or T24 canscale up to a full n-tier architecture that employs multiple servers in each tier.This flexibility in solution architecture makes it possible for Temenos to work with banks todetermine the most appropriate technical systems configuration that meets a bank’s resilience,redundancy, performance, and budgetary requirements.T24 scales dynamically, and servers can be added during live operations without affecting theservice provision. This ability to “adapt” in a live environment has very powerful implications from aresilience perspective. Should a T24 server fail, the other servers recover and absorb the failedserver’s load online until the failure issue is addressed and the original server can be reintroduced.This high level of resilience is critical for supporting today’s demands for global or 24x7 processing,and resilience is a cornerstone of T24’s ability to support a truly “around-the-clock” environment.Integration and Full Interconnectivity with T24T24 is channel neutral and offers a common architecture for all channels to interact and invokefunctionality within the application. The T24 presentation layer is abstracted from the application.All front-end channels, including the browser client, use a common, industry-standard accessmechanism to connect to the application layer.The basis for this connectivity is the use of XML messaging through the Temenos open connectivityframework and the Open Financial Service (OFS) module. OFS is a message-based, real-time, onlineinterface that exposes all T24 functionality and, provided the appropriate security criteria are inplace, also exposes the entire T24 database to external, message-based systems.This ability to integrate with a bank’s requirements for interconnectivity extends to industry-leadingservice-oriented architecture (SOA) environments; every single T24 transaction, enquiry, orworkflow process can be exposed as a web service. This capability hinges on the application’sinherent business service definition model, which renders every transaction deployable by usingT24 web services tooling. Because the application was developed to adhere to key web servicesstandards and SOA principles, this deployment mechanism produces high-quality, consistent webservices definitions. These web services definitions provide application interoperability withindustry-standard enterprise service buses (ESBs) and associated applications, such as BusinessProcess Execution Language (BPEL) engines, among others.For more information about T24, see the TEMENOS T24 home page.Benchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Servers 3

Benefits of SQL Server 2012SQL Server 2012 provides a reliable, cost-effective, low-maintenance database framework for T24that can support the largest and most process-intensive deployments. SQL Server is acomprehensive, integrated, and enterprise-ready data-management software solution. Hundreds ofenterprises are currently running 10 terabyte and larger transactional databases on SQL Server.SQL Server 2012 sets the new standard for mission critical with industry-required high availabilityand performance capabilities at a leading total cost of ownership (TCO). Running T24 on SQL Server2012 provides Temenos customers with many benefits, including:Scalability and performanceSQL Server 2012 supports up to 640 logical processors and 4 TB of RAM on Windows Server8 (256 logical processors and 2 TB RAM on Windows Server 2008 R2) for high performanceof very large workloads. SQL Server also includes many features that can help Temenoscustomers scale up and scale out as their businesses grow.Lower hardware costsSQL Server runs on standard commodity server hardware, dramatically lowering the TCOwhen compared to mainframe hardware.Lower software costsWith SQL Server, customers can typically enjoy a 3:1 reduction in licensing costs comparedto the largest competitor. 1 Simpler systems management and lower staffing costs 2SQL Server database administrators (DBAs) can typically manage four times as manyphysical databases as a competitor’s DBAs. 3 Lower administration costs 4SQL Server delivers a 460 percent savings in annual costs of administration per databaseover that of the largest competitor.Fewer security vulnerabilitiesSQL Server consistently has fewer security vulnerabilities than the largest competitor. 5With SQL Server, Temenos customers can save with reduced licensing, hardware, administration,and support fees, which translates into substantially lower costs over the system's life.For more information about SQL Server 2012, see the SQL Server home page.1 http://www.microsoft.com/sqlserver/en/us/tools/cost-savings-calclator.aspx2 http://www.microsoft.com/sqlserver/2008/en/us/compare-oracle.aspx3 http://www.microsoft.com/sqlserver/en/us/product-info/why-sql-server.aspx4 http://www.microsoft.com/sqlserver/en/us/product-info/why-sql-server.aspx5 NIST National Vulnerability Database, http://nvd.nist.gov/Benchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Servers 4

Benefits of Intel Processor-Based ServersIntel Xeon processor-based servers are well suited to the demands of mission-critical bankingenvironments and provide dramatic cost savings in comparison with proprietary RISC andmainframe systems.As demonstrated by the benchmark testing environment (described later in this report), serversbased on the Intel Xeon E5 family are ideal for web and application servers at the front and middletiers of a banking solution. They are often deployed in distributed architectures that are highlyresilient and easily scaled through the addition of more servers.Servers based on the Intel Xeon processor E7 family provide the high-end scalability and availabilityneeded to support large, transaction-intensive databases. These larger and more robust serversinclude integrated support for all of the following.Scalable PerformanceA single eight-socket server based on the Intel Xeon processor E7 family provides up to 80processing cores, 160 threads, and 4 TB of memory for high-volume, transaction-intensiveT24 workloads. Large cache configurations (up to 30 MB per processor) keep frequentlyuseddata close to the processor cores to reduce latency and increase throughput.Data ProtectionAdvanced circuitry detects and corrects errors across all major subsystems andcommunication pathways and contains uncorrectable errors so they can’t poison otherdata.High AvailabilityBuilt-in failover and automatic reconfiguration capabilities help to maintain uninterruptedoperation. Intel Machine Check Architecture-Recovery works in tandem with MicrosoftWindows Server to enable automated system recovery in complex error scenarios.ServiceabilityBuilt-in support for predictive failure analysis and partitioning enable problematiccomponents to be identified and replaced before they impact performance, and withoutbringing down the system for maintenance.Better Together: Microsoft, Intel, and TemenosTogether, Microsoft, Intel, and Temenos can provide cost benefits, along with optimal performance:An optimized technology stack for high performance and a low TCOo Industry-standard 32-bit and 64-bit hardware with a superior price/performance ratio.ooA smart “on-premises-to-cloud” platform strategy.Microsoft Services Premier Mission Critical, a scalable service and support program forthe most demanding solutions.Benchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Servers 5

High-Water Benchmark Testing OverviewThe objective of the high-water benchmark testing was to measure the online business and close ofbusiness (COB) transaction scalability and throughput capacity of a T24 R12 retail Model Bank onWindows Server 2008 R2, SQL Server 2012, and Intel Xeon processor-based servers. Test cases andmix percentage were compiled from existing and prospective T24 customers to simulate the realworldbanking scenarios.The benchmark testing looked at two key requirements for the core system of banks: performanceand scalability.Two types of tests were run to measure T24 performance:Online business scenario test (online test)The online business test measured the capability of T24 to process online businesstransactions to represent typical activity during business hours in a large retail bank. Thetest used nine different types of transactions, including withdrawals, ATM transactions, anddeposits.Interest accrual and capitalization test (COB test)The COB test measured the capability of T24 to run the end-of-day batch processes for 25million accounts. The test consisted of a full T24 month-end close-of-business run, as perstandard T24 benchmarking conditions. The primary processing job measured was theaccrual and capitalization of account interest.Targets for the benchmark testing were set by the Temenos Retail Banking Committee:The COB accrual and capitalization target was set to 7,000 TPS.The online testing target was set to 7,000 TPS during a one-hour period of peak activity ofthe core system. The maximum CPU utilization of database server during peak hour was not to exceed 75percent.Benchmark Testing EnvironmentThe benchmark testing environment was designed to emulate a realistic, large-scale retail bankingenvironment.The tests used Intel Xeon processor-based servers from Hewlett-Packard (HP) for the applicationand database tiers. The tests were run on 25 application servers connected to a central, singleinstance of SQL Server 2012 and Windows Server 2008 R2 Enterprise. The storage hardware usedwas the XIO Hyper ISE 14.4H. Hyper ISE uses Continuous Adaptive Data Placement (CADP)algorithms to identify and accelerate hot-spots on storage caused by the database. By continuouslymonitoring these hot-spots in real time, data is placed in the right storage media at the right time,with no administrative intervention required.Benchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Servers 7

Table 1 shows details of the hardware.Table 1. Benchmark testing hardware detailsNumberof ServersMake andModelCPU Architecture Cores RAMDatabase server1HP ProLiantDL980 G78 × 2.4 GHzIntel Xeonprocessor E7family (E7-2870)80 1024 GBApplication servers8HP ProLiantDL380 G72 × 2.8 GHz(X5660)Intel Xeonprocessor 5600series (X5660)6 core8 × 125 servers with64 GB3 servers with48 GB8HP ProLiantBL460c G62 × 2.53 GHz(E5540)Intel Xeonprocessor 5500series E5540)4 core8 × 8 48 GB8HP ProLiantBL490c G62 × 2.67 GHz(E5650)Intel Xeonprocessor 5600series (E5650)6 core8 × 12 48 GB1HP ProLiantDL580 G54 × 2.24 GHz(E7450)Intel Xeonprocessor 7400series (E7450)6 core1 × 24 64 GBTable 2 shows details of the storage used in the benchmark testing.Table 2. Storage detailsMake Model DetailsXIO Hyper ISE 14.4H2 DataPacs2 storage pools; each pool fuses 10 SSDs and 10 HDDs1 x 8 Gb/s HBA port [Qlogic 2560] to each pool3 terabytes storageBenchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Servers 9

SoftwareTable 3 shows the details of the software used for the benchmark testing.Table 3. Details of software usedName and VersionTEMENOS T24 R12TEMENOS T24 browserR11.2Jms-mq Injector 1.0 /MQ7SQL Server 2012TAFC R11.0.0.1TOCF.NET R11.08.0.0.1UseApplication performance testingA web-based UI for the core banking system used to process and sendrequests to T24 via the web serverUsed to inject Open Financial Services (OFS) messagesDatabaseApplication framework (runtime)Temenos Open Connectivity Framework, provides interface connectivityto T24 from the MQ ServerData SetThe data set used in the benchmarking test reflects real-world banking activity volumes. Table 4shows the details.Table 4. Benchmark testing data setMetricsNumber of accountsNumber of customersNumber of branchesDirect channel peak-hour loadTransaction historyNumber of transactions per dayPeak online business loadNumber of applications servers25 million accounts (1 million of these foreign currency accounts)15 million customers2,000 branches (10 concurrent tellers/branch during peak hour)4 million accounts1-month full transaction history50.4 million transactions/day, half during a single peak hour50.4 million transactions/day, half during a single peak hour25 application servers running T24Benchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Servers 10

Online Transaction LoadFor an online business transaction load of approximately 50 million transactions per eight-hour day,while accommodating a peak-hour load of 50 percent of all daily transactions, a T24 businessscenario online test must meet a minimum throughput target of approximately 7,000 TPS.Table 5 details the transaction mix injected per channel type.Table 5. Transaction mixChannelATM andPOSBranchofficetransactionsInternetbankingIVRClearingRepresentativeTransactionBalance inquiryCashwithdrawalTeller cashdepositOutwardclearingtransactions(collections)Savings bank(SB) accountopening(non-monetary)Funds transferT24 TransactionCustom RoutineOFS.GET.ACCT.BALANCEOFS Clearing Managerwith transaction requestTELLER,MB.DEPOSITInterfaceMixPercentageRequiredTPSOFS-MQ 5.0% 350OFS-MQ 25.0% 1,750XML-Browserweb2.0% 140FT,MB.OT OFS-MQ 0.5% 35ACCOUNT,MB.NEWFT,MB.ACCT.TO.ACCTXML-BrowserwebXML-Browserweb0.1% 72.0% 140Balance inquiry ENQ ACCT.BAL.TODAY OFS-MQ 21.0% 1,470Bank statement ENQ STMT.ENT.BOOK OFS-MQ 1.0% 70FinancialtransactioninquiryBalance inquiryClearingtransactionsENQ STMT.ENT.BOOK OFS-MQ 12.0% 840Custom RoutineOFS.GET.ACCT.BALANCEOFS CLEARINGMANAGER (BULK)OFS-MQ 8.0% 560OFS-MQ 23.4% 1,638TOTAL 100% 7,000Benchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Servers 11

Benchmark Test Results: Record-BreakingPerformanceThe benchmarking test results show that SQL Server 2012 and Windows Server 2008 R2 Enterpriserunning on Intel Xeon processor-based servers provide record-breaking results for TEMENOS T24.Detailed Results of Online Business TestThe online business test was designed to simulate concentrated daily use of T24 by injecting a highvolume of online transactions to the T24 application.To achieve the correct mix of transactions at the correct TPS rate, Temenos allocated a “weight” toeach of the transaction types by injecting a number of transactions of various types in proportion towhat would be expected in the course of a typical business day’s processing.The throughput of online business transactions achieved was 11,592 per second, equal to morethan 83.4 million transactions in an eight-hour day with 50 percent of the day’s transactions in thepeak hour.Table 6 shows a summary of the online test results.Table 6. Summary of online test resultsMetricsTest durationAverage TPS75 minutes11,592 TPSTable 7 shows the CPU utilization results for the online testing. Note that 55.3 percent of the 280application server cores were used during the online testing.Table 7. Utilization results for online testingMake and Model Processor CPU LoadDatabase serverHP ProLiant DL980 G7 Intel Xeon processor E7-2870 49%Application serversHP ProLiant DL380 G7 Intel Xeon processor X5660 59.3%HP ProLiant BL460c G6 Intel Xeon processor E5540 41.2%HP ProLiant BL490c G6 Intel Xeon processor E5650 65.3%HP ProLiant DL580 G5 Intel Xeon processor E7450 37.0%TOTAL 55.3%Benchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Servers 12

Table 8 shows details of the transaction mix used in the online business test and the online businesstest results by transaction type.Table 8. Results by transaction typeChannelRepresentative TransactionPercentAchievedTPS Measured(Required)ATM and POSBalance inquiry 5.0%Cash withdrawal 22.5%Teller cash deposit 1.5%580(350)2,610(1,750)170(140)Branch officetransactionsOutward clearing transactions(collections)0.4%46(35)SB account opening (nonmonetary)0.1%12.3(7)Internet bankingFunds transfer 1.5%Balance inquiry 22.1%Bank statement 1.0%Financial transaction inquiry 13.5%174(140)2,560(1,470)116(70)1,564(840)IVR Balance inquiry 8.5%Clearing Clearing transactions 24.0%980(560)2,780(1,638)TOTAL 100% 11,592.3Benchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Servers 13

ScalabilityThe scalability of T24 was demonstrated during the benchmark testing in several ways. Tests wererun on IC.COB capitalization by increasing the number of agents and measuring the capitalizationthroughput, looking for linear scalability.At the peak levels of transaction throughput, CPU utilization across the available server capacityremained below 75 percent, providing considerable additional capacity for further increases intransactions.Additionally, the application servers used were based on multiple generations of Intel Xeonprocessors, showing that customers can use existing and new hardware simultaneously to develop aresilient and scalable architecture.ConclusionTemenos, Microsoft, and Intel are working together to provide banking solutions that addresstoday’s industry challenges and demands in the most cost-effective way, while offering the agility torespond to the business and technology opportunities of tomorrow.The Temenos, Microsoft, and Intel high-water benchmark proves that SQL Server 2012 running onIntel Xeon processor-based servers can provide record-breaking performance for T24. T24 running on SQL Server 2012 and Intel Xeon processor-based servers achieved 10,008TPS and processed 25 million capitalization and accruals of accounts in less than 42minutes.In an online business scenario test with a full transaction mix, T24 running on SQL Server2012 and Intel Xeon processor-based servers achieved an impressive 11,592 TPS.These results make the combination of T24, Microsoft technologies, and Intel technologies anincreasingly compelling proposition for even the largest banks.Benchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Servers 15

Additional InformationThe following references provide more information about Temenos, XIO, and Microsoft.About TemenosFounded in 1993 and listed on the Swiss Stock Exchange (SIX: TEMN), Temenos Group AG is themarket leading provider of banking software systems to retail, corporate, universal, private, Islamicand microfinance and community banks. Headquartered in Geneva with more than 60 officesworldwide, Temenos serves more than 1,500 customers in 125 countries. Temenos’ softwareproducts provide advanced technology and rich functionality, incorporating best-practice processesthat take advantage of Temenos’ experience in 700 implementations around the globe.For more information, visit: www.temenos.comAbout XIOXIO is the leader in performance-driven storage with incredible price/performance/capacity ratios.XIO pioneered the only True SHD storage system that amalgamates SSD and HDD into a single poolof storage, resulting in extreme performance that changes the economics of the data center.Enterprise-class reliability and ease of use are in XIO’s DNA—and are core aspects of all XIO storagesystems. XIO empowers enterprises to drive database performance to its limits.For more information, visit: www.xiostorage.comAbout MicrosoftFounded in 1975, Microsoft (Nasdaq "MSFT") is the worldwide leader in software, services, andsolutions that help people and businesses realize their full potential.For more information, visit: www.microsoft.comAbout IntelIntel is a world leader in computing innovation. The company designs and builds the essentialtechnologies that serve as the foundation for the world’s computing devices to continually advancehow people work and live.For more information about Intel products and services,visit: www.intel.comBenchmark Testing Results: TEMENOS T24, Microsoft SQL Server 2012, and Intel Xeon Processor-Based Servers 16