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ECOWAS BANK FOR INVESTMENT AND

DEVELOPMENT

EBID

TERMS OF REFERENCE FOR PROCUREMENT OF AN INTEGRATED MANAGEMENT SOFTWARE

FOR THE ECOWAS BANK FOR INVESTMENT AND DEVELOPMENT

March 2018

Terms of reference for the Procurement of an Integrated Management Software adapted to EBID Operations – March 2018 1

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TABLE OF CONTENTS

I- PRESENTATION OF EBID............................................................................................................ 4

II- MISSION OBJECTIVES ................................................................................................................ 6

III- CONTEXT OF THE MISSION ....................................................................................................... 7

IV- CURRENT ENVIRONMENT OF EBID ........................................................................................... 8

IV-1. Information system (Network and other equipment) ................................................ 8

IV-2. Applications (software status) ...................................................................................... 8

IV-3. Interconnection of remote sites (Resident Missions or Country Representation) ... 9

V- FUNCTIONALITIES OF THE PROPOSED SOFTWARE ................................................................ 9

V-1. Operations ....................................................................................................................... 9

V-1-a. Missions ........................................................................................................................... 9

V-1-b. Functionalities expected .............................................................................................. 10

V-1-c. Expected system reports ............................................................................................. 11

V-2. Loan Administration ..................................................................................................... 13

V-2-a. Missions ......................................................................................................................... 13



V-3. Treasury ......................................................................................................................... 15

V-3-a. Missions ......................................................................................................................... 15



V-4. Risks Management ....................................................................................................... 17

V-4-a. Missions ......................................................................................................................... 17



V-5. Legal Management ....................................................................................................... 18

V-5-a. Missions ......................................................................................................................... 18



V-6. Trade finance ................................................................................................................ 21

V-6-a. Missions ......................................................................................................................... 21




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VI- DESCRIPTION OF THE FUNCTIONAL ARCHITECTURE, TECHNICAL ENVIRONMENT AND THE

INTEGRATION MODEL OF THE PROPOSED SOFTWARE .................................................................... 22

VII- INTERFACING ............................................................................................................................ 23

VIII- DESCRIPTION OF THE METHODOLOGY, IMPLEMENTATION STEPS AND THE PROJECT

RESOURCES .......................................................................................................................................... 23

IX- TASKS AND RESPONSIBILITIES OF THE SOFTWARE DEVELOPER OR INTEGRATOR ........... 24

X- EXPECTED RESULTS ................................................................................................................. 27

XI- RESPONSIBILITY OF EBID WITHIN THE CONTEXT OF THE MISSION .................................... 29

XII- DURATION OF MISSION .......................................................................................................... 30

XIII- CONSULTANT’S WORKING LANGUAGES AND USER LANGUAGES OF THE PROPOSED

SOFTWARE ........................................................................................................................................... 30

XIV- LOCATION OF PROPOSED SERVICES ...................................................................................... 30

XV- PROJECT BUDGET .................................................................................................................... 30

XVI- QUALIFICATIONS OF THE SOFTWARE DEVELOPER OR INTEGRATOR AND HIS

INTERVENTION TEAM .......................................................................................................................... 31

XVII- REFERENCES OF THE SOFTWARE DEVELOPER OR INTEGRATOR ........................................ 33

XVIII- METHOD OF CONSULTATION AND RULES OF PARTICIPATION ........................................... 33

XVIII-1. Representative of the Client (EBID) ............................................................................ 33

XVIII-2. Representative of the Bidder ...................................................................................... 33

XVIII-3. Content of the offer ..................................................................................................... 34

XVIII-4. The validity of the Bidder’s offer................................................................................. 34

XVIII-5. Copyright of the Bidder’s offer ................................................................................... 34

XVIII-6. Amendment of the terms of reference and right of reservation ............................. 34

XVIII-7. Legal scope of documents exchanged during the bid process ................................. 35

XVIII-8. Expenditure for preparation of offer by the Bidders ................................................ 35

XVIII-9. Submission of bids ........................................................................................................ 35

XIX- FORMAT OF PRESENTATION OF BIDS .................................................................................... 35

XIX-1. Technical offer .............................................................................................................. 35

XIX-2. Financial offer ............................................................................................................... 36

XX- EVALUATION CRITERIA OF THE BIDS ..................................................................................... 38

XX-1. Evaluation of the technical bid ............................................................................................... 38

XX-2. Evaluation of the demonstrations .......................................................................................... 38

XX-3. Scoring Scheme ........................................................................................................................ 39

XXI- IMPLEMENTATION PLAN OF THIS BID PROCESS................................................................... 40

XXII- OPENING OF BIDS .................................................................................................................... 41

XXIII- DISCRETIONARY CLAUSES ...................................................................................................... 41


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XXIV- ANNEXES .................................................................................................................................... 1

XXIV-1. Annex 01 : Verification Lists (Check list) ....................................................................... 2

XXIV-2. Annex 02 : Letter of commitment from the Bidder ..................................................... 4

XXIV-3. Annex 03 : Project summary (Executive summary) ..................................................... 6

XXIV-4. Annex 04 : Technical bid Forms ..................................................................................... 7

XXIV-5. Annex 05: Financial bid Forms ..................................................................................... 46

XXIV-6. Annex 06 : Digital support media ................................................................................ 54


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Introduction

The ECOWAS Bank for Investment and Development (EBID) has, over the years,

embarked an extensive programme to modernise its information and communication

technology system.

The objective of this programme is to equip the Institution with a modern development

bank information system which is an effective tool for the transformation and

development of the Bank, as well as a reliable tool for the growth, efficiency and

profitability of its operations.

In recent years, major projects were undertaken, studies were carried out and a master

plan recommending the computerisation of the Bank’s functions was developed.

The purpose of these terms of reference is to present the key functional needs of EBID

to be addressed by the integrated management software platform that it intends to

install as part of the project to modernise its information system.

I- PRESENTATION OF EBID The ECOWAS Bank for Investment and Development (EBID) is the development

financial Institution owned by the fifteen (15) Member States of the Community

namely: Benin, Burkina Faso, Cape Verde, Côte d'Ivoire, The Gambia, Ghana, Guinea,

Guinea-Bissau, Liberia, Mali, Niger, Nigeria, Senegal, Sierra Leone and Togo.

It was created by Article 21 of the revised ECOWAS Treaty as amended by

Supplementary Act n° A/SA.9/01/07 of 19 January, 2007.

The purpose of EBID is:

a. to grant loans and guarantees for the financing of investment projects and

programmes for the economic and social development of the Member States,

to take equity in public, private or mixed organisations and to make all other

investments, with particular priority to:

i. projects or programmes which, by their nature or extent, involve at

least two regional Member States, particularly projects for the

creation of regional integration infrastructure and all other

development projects in the public and private sectors;


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ii. projects or programmes aimed at strengthening the economies of

the least developed Member States of the Community and the

reconstruction of States which have experienced armed conflicts or

serious socio-political crises;

iii. projects or programmes which contribute to making the Community

economies more complementary and to special programmes and

projects aimed at solving issues of poverty and social inequalities;

b. mobilise resources within and outside the Community for financing its

investment projects and programmes;

c. provide technical assistance as may be necessary in the Community for the

study, preparation, financing and implementation of development projects

and programmes;

d. receive and manage the portion of resources from the ECOWAS Community

levy to finance Community development actions, in accordance with Protocol

n° A/P1/7/96 of 27 July, 1996 on the conditions for the application of the said

levy and under any other relevant provision;

e. manage any special funds of the Community relating to its objective;

f. carry out any commercial, industrial or agricultural activity, insofar as it is

relating to its objective or necessary for its debts recovery.

Within the framework of its corporate objective, the Bank shall cooperate with the

national and sub-regional development Agencies operating in the Community. For the

same purpose, it shall endeavour to co-operate with other international organisations

with a similar purpose and with other Institutions concerned with the development of

the Community.

The Head Office of the Bank is in Lomé, the Republic of Togo. The Bank may open

offices, agencies or branches elsewhere.

In addition to its regional members, which are ECOWAS Member States, EBID can also

have non-regional Members, or States and other legal entities that are not members

of the Community.


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II- MISSION OBJECTIVES To pursue its development prospects and its mission objectives as an Institution for

financing development and investment in the ECOWAS region, EBID embarked on a

project to modernise its processes in recent years, including the standardisation of its

procedures.

It is increasingly aligning itself with the standards of international financial institutions

of the same category and it is working towards implementing the recommendations of

the various institutional capacity-building studies it has undertaken.

One of the important aspects that is the subject of these terms of reference is the

modernisation of EBID information and communication technology system with the

objectives to:

�� increase productivity,

�� reduce redundant work,

�� significantly reduce the risks associated with manual management or

scattered data processing tools,

�� work on a single and shared repository, in which every unit in the Company

would provide its input and make same available to the other stakeholders

of the chain in a complete and coherent synergy,

�� meet all the functional requirements expressed in this terms of reference,

while ensuring the necessary security in the use of all the functions

implemented,

�� be able to keep up with market trends and technological advancements

with flexibility, modularity (choice of building blocks and openness

(integration of third-party software) of the integrated banking software to

be procured,

�� have a user-oriented management tool that is cross-cutting and transparent

to the user and that integrates all the system control and process

mechanisms,

�� have a management tool that meets international financial standards,

�� have a tool that takes into account all functions, from the scope of this

terms of reference, into a single process chain (Workflow), ensuring the

consistency of the Bank's management rules,

�� enable the Bank to edit all kinds of reports at all times, using an editing tool,

once the data of the said reports are available in the system,

�� have a tool for editing intelligent reports, data analysis, risk analysis, etc.

�� facilitate the production of reliable data for decision-making in real time,

�� and allow transparent collaborative work for all stakeholders wherever

they may be.


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Thus, as recommended by the Bank's ICT Master Plan, the choice of EBID is focused on

procuring a software platform that can integrate its banking functions while taking into

account the specificities of its management.

The system to be procured shall allow for a clear improvement on the current

performance of the Bank's productivity, provide institutional added value, be a source

of innovation in good practices and services and ensure efficient processing of its

information by their:

• Mutualisation,

• Accessibility,

• Traceability,

• Integrity and sustainability,

• Safety,

• Reliability,

• Confidentiality, and

• Availability.

III- CONTEXT OF THE MISSION

The software proposed by the Software Developer or Integrator should, whenever

possible, take account of the progress already made by EBID in terms of new

information and communication technologies (ICT).

In the proposal, the Software Developer or Integrator shall take account of the

achievements of EBID, and shall under no circumstances mask any on-going or planned

computer or telecommunication projects in the Bank. It shall propose the options that

make it possible to maximise the value of these projects in the implementation of its

software.

The Software Developer or Integrator shall ensure that the software is innovative

enough for a new functioning of the Bank: real time, de-materialisation, better

organisation, best practices, etc., so that this software becomes a strategic tool both

for the management and smooth running of the Bank. The software shall provide a

framework to improve the functioning of the Bank.

Basically, the hallmark of the software (s) chosen shall be their flexibility (ease of

implementation and use), versatility (resilience capacity), openness (portability and

integration possibilities) and scalability (technological monitoring and response to

functional requirements).

The aim of EBID in this project is also to reduce costs and improve performance. The

Consultant should clearly demonstrate how this can be accomplished with the

proposed software.


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The Software Developer or Integrator shall describe the organisation he thinks is best

suited for the optimal implementation of his software. This description will present the

different bodies to manage the project, their roles and their level of involvement.

Where implementation requires specific skills, they should be specified.

In more general terms, the Software Developer or Integrator will propose the required

human resources for the correct implementation, operation and maintenance of the

software and will indicate the list of possible training programmes to be schedules.

Finally, the Software Developer or Integrator will present all the measures he deems

necessary for a better integration of the proposed software in the organisation of

EBID.

IV- CURRENT ENVIRONMENT OF EBID

IV-1. Information system (Network and other equipment)

EBID has at its Head Office in Lomé, Togo, an information system composed

mainly of:

• a computer network with a 1Gbit fiber-optic backbone that can be expanded

to 10Gbits, with two (2) Cisco 3605E core routers, Cisco 3650-X user routers,

two (2) Cisco 3800 routers, Cisco firewall and Fortigate, etc.,

• Microsoft Windows Server 2012 servers, Server 2016 servers,

• a VSAT antenna of 512Kbits, a specialised Internet connection of 4MB,

• two (2) server rooms in which the network and server devices are mostly

configured or which can be configured as failover,

• a computer pool of about 150 computers, including about 100 Laptops.

IV-2. Applications (software status)

The current functional environment of EBID mainly consists of infor FMS

Sunsystems version 10 Application platform of the INFOR company

(www.infor.com).

The license procured by EBID includes 4 (four) main Modules:

� Accounting,

� Supply Management,

� Inventory Management, and

� Fixed assets Management.

These 4 (four) Modules are perfectly integrated and Sunsystems has a "plug in"

interface for processing files in Excel, both in input and output.


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EBID has chosen to remain on this financial and accounting management

platform.

IV-3. Interconnection of remote sites (Resident Missions or Country

Representation)

Up till date, EBID does not have any remote sites.

However, the Bank's strategic plan has plans of opening Resident Missions (or

Country Representation) in future in the remaining 14 countries of the ECOWAS

sub region.

In any case, and whatever form these representations may take in the different

countries of the Community, access to the different applications of the Bank will

be done within a centralised architecture (in private or public Cloud, or both).

The Software Developer or Integrator shall thus clearly describe the

infrastructure necessary for the remote connection to the software platform

and specify the minimum bandwidth necessary for this connection.

V- FUNCTIONALITIES OF THE PROPOSED SOFTWARE

Since the features presented are not exhaustive, the Software Developer or Integrator

will, in addition, specify the functionalities of his software which he considers

important for the Bank, relative to only functions presented in this terms of references.

For each major functionality proposed by the Software Developer or Integrator, he

shall list the corresponding reporting systems.

The software shall be multi-dimensional, that is, it should be able to manage several

legal entities on the same system (in this case, it is possible to integrate the

management of all the current and future funds that EBID would be required to

manage).

V-1. Operations

V-1-a. Missions

Private Sector Operations

V-1-a-i. Put in place a system of identification, planning, and

budgeting system for handling of private sector projects


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whilst giving priority to private projects that foster

integration;

V-1-a-ii. Carry out a wide range of activities related to handling of

private sector projects;

V-1-a-iii. Develop appropriate projects methodology and

implementing modalities for projects;

V-1-a-iv. Prepare appraisal reports and loans, equity participation or

guarantees proposals for submission to the to decision

making bodies;

V-1-a-v. Ensure that the relevant guarantees are established;

V-1-a-vi. Ensure the monitoring and supervision of financed projects;

V-1-a-vii. Contribute to the preparation of the Bank’s project pipeline.

Public Sector Operations

V-1-a-viii. Put in place a system of identification, planning, budgeting

and appraisal of projects from the public sector whilst giving

priority to projects that foster integration;

V-1-a-ix. Carry out a wide range of activities related to public sector

projects;

V-1-a-x. Develop appropriate project methodology and

implementing modalities;

V-1-a-xi. Ensure that the relevant guarantees are established

(sovereign guarantee);

V-1-a-xii. Prepare appraisal reports and loan proposals for submission

to decision making bodies;

V-1-a-xiii. Monitor and supervise financed projects;

V-1-a-xiv. Contribute to the preparation of the Bank’s project pipeline.

V-1-b. Functionalities expected

� Interactive web platform for receiving public and private sector projects

(loans, collaterals, short term loan, etc.);

� Coherent database of all project requests received;

� Management of the entire project implementation cycle, from project

identification to archiving (loans, collaterals, short term loan, etc.);

� Updated situation of all current projects, with monitoring of the status of

each project;

� Updated situation of all projects in the pipeline;

� Management of disbursement requests by follow-up, validation and

monitoring of all stages;


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� Management of the conditions precedent to first disbursement of the

project loan;

� Online approval of disbursements;

� Project disbursements, repayments received and follow-up over a period

(monthly, quarterly, semi-annual, annual, etc.);

� Disbursements made on behalf of a Country during a given period;

� Management of procurement procedures for goods, works and services

for projects implementation (signed contracts awarded, other contracts,

etc.);

� Collaborative management of all documents relating to project

management in order to avoid double circulation of physical documents

relating to the same project (key deliverables of the project instruction,

etc.);

� Management of all expenditure made in respect of the project at every

stage and the overall stage;

� Reports on the various parameters – Profits made or losses recorded in

respect of the project;

� Costs of project appraisals;

� Description and expenditure of missions per project with presentation of

mission reports;

� Site visit reports;

� Compliance of the Monitoring list;

� Description and supervision missions expenditure;

� Report and recommendations of supervision missions;

� Categorisation of projects (successful, unsuccessful, failed, etc.) - for each

project, to have all the data and parameters from its identification to its

possible archiving;

� Accessibility to technical reports online;

� Financial analysis of projects with balance sheet statements;

� Interface for monitoring the Total Balance Sheet;

� Integration, coverage of regulatory aspects, ensuring the continuity of

operations;

� Management of consortium credits as lead manager or partner;

� Management of syndicated loans;

� Etc.

V-1-c. Expected system reports

� Statement of every project dossier received,

� Catalogue of projects,

� Projects pipeline,


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� Statement of project desk appraisal,

� Statement of in-depth project appraisal,

� Statement of preparation of project appraisal missions,

� Project appraisal reports,

� Preparation status for Start-up missions,

� Statement of project supervision and completion missions,

� Project appraisal reports (financial analysis, activities and

performance, structure and balance, etc.),

� Minutes or notes from the decision-making authorities in the project

appraisal process,

� Memos from decision-making authorities in the project appraisal,

� Publishing of invitations to negotiations,

� Drafting of preliminary project financial appraisal (financial

statements, results, financial income and expenditure table, balance

sheet, profitability and solvency indicators, sensitivity analysis, etc.)

� Statement of Loan disbursement monitoring,

� Statement of monitoring the conditions precedent to first

disbursement,

� Report of monitoring of project goods, works and services

procurement process,

� Statement of monitoring disbursements made, those pending and

projected disbursements,

� Statement of all important information relating to the project,

� Project monitoring summary fact sheet.

All these statements shall be printed according to different criteria in due

time:

• per each department (public sector or private sector)

• per division in each department,

• per sector and by economic activity (infrastructures, energy,

telecommunications, health, education, etc.),

• per country,

• per project type,

• per form of intervention,

• per source of funding,

• per intervention currency,

• per a given period (weekly, monthly, quarterly, half-yearly, annually, or

per given dates, etc.),

• etc.


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V-2. Loan Administration

V-2-a. Missions

V-2-a-i. Prepare disbursement requirements concerning loan

transactions;

V-2-a-ii. Participate in negotiations related to loans, equity

participations and technical assistance;

V-2-a-iii. Keep and update the commitments register of the Bank;

V-2-a-iv. Prepare and present provisional and final depreciation

schedules of loan transactions;

V-2-a-v. Keep subsidiary accounts of the Bank’s commitments;

V-2-a-vi. Monitor loan recovery and payment of instalments;

V-2-a-vii. Provide weekly, monthly and quarterly management

charts for customers and outstanding loans;

V-2-a-viii. Produce the annual portfolio statement;

V-2-a-ix. Prepare and distribute loans recovery statement.


� Entry of the description, terms and conditions of the loan,

� Disbursement, balance, depreciation etc.,

� Table of projected depreciation;

� Table of real depreciation after grace period,

� Projected disbursements / projected series of disbursements,

� Selection of sources of funding (Resources backing the loan: Own funds,

bond issues, lines of credit, etc.

� Management of securities,

� Management of escrow accounts,

� Monitoring of the conditions precedent to disbursements

� Approval of requests for disbursement and issuance of disbursement slips

� Giving notice of confirmation of disbursement and cover letters

� Transferring Data to an Accounting Software,

� Invoice preparation;

� Giving notice of loan repayment deadlines and cover letters,

� Disbursement notice,

� Calculation of interests,

� Calculation of commitment fees,

� Calculation of arrears,

� Management of penalties,

� Loan Portfolio exposure ;

� Private and public sectors exposures;


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� Mobilised resources management system and resources allocations,

� Sectorial management of commitments,

� Exposure of ECOWAS Member States,

� Displaying of the IMF conversion rate,

� Currency conversion ( Units of Account and others),

� Interface with the operations management module (Public and private

sectors), SunSystems accounting, risks management module and legal

management module

� Monitoring estimated revenue projections in respect of active loans

� Issuance of credit notes with cover letters,

� Monitoring of the depreciation of the loan portfolio (public or private

sector)

� Management of loans in several currencies (multicurrency loans

management)

� Etc.


� Statements of loans falling due at a given period,

� Statement of the projected commitments situation per

sector/public/private,

� Projected loans depreciation table

� Statement of disbursement per source of funding

� Statement of commitments per sector of activity/country

� Statement of periodic / monthly / quarterly/ half-yearly disbursement,

� Statement of loan deadline notices issued to date,

� Up to date public sector loans’ billing statement per sector

� Up to date private sector loans’ billing statement per sector

� Mullti-currency loans depreciation table,

� Statement of receipts in respect of loans per currency,

� Income statement interests, commissions and capital)

� Statement of outstanding payments according to number of days

(30, 60, 90, 180, 360)

� Etc.


time:




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• per country,







• etc.

V-3. Treasury

V-3-a. Missions

V-3-a-i. Execute financial transactions, and in conjunction with the

General Accounting Division, monitor issues related to the

Bank capital subscriptions and the call of and paying up of

such subscriptions;

V-3-a-ii. Make payments for any activity conducted in relation to

agreements, contracts, conventions and decisions, and

receive cash payments when it is related to any transaction

made by the Bank;

V-3-a-iii. Implement the operational management of initiatives to

enhance the cash management policy of the Bank

(financial risks, investments);

V-3-a-iv. Implement the comprehensive financial risk cover policy

of the Bank;

V-3-a-v. Manage securities portfolio (shares, loans) of the Bank

and ensure their profitability;

V-3-a-vi. Ensure drawings and monitor the loans of the Bank;

V-3-a-vii. Ensure, in line with the statutory provisions, foreign

exchange transactions in compliance with approved

transactions, define and assess relevant foreign exchange

transaction risks, and propose risk cover mechanisms.


� Management of accounts positions

• Monitoring of correspondents account balances

• Consolidation of accounts positions

� Management of treasury operations


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• Monitoring of real-time cash transactions

• Real-Time Balance updating

• Daily / weekly / monthly forecasts Monitoring of projected cash flows

over a given period

� ALM standard reports and dashboards

• Presentation of liquidity and foreign exchange differentials in a static or

dynamic manner

� Multi-currency management

� Daily information on market trends from Bloomberg Reuters ;

� Display of IMF conversion rates (Units of account and other currencies

and vice-versa)

� Management of short-term placements

� Monitoring of positions of corresponding accounts

� Calculation of interests on placement

� Etc.


� Report of consolidated balance of treasury account,

� Daily report of treasury accounts positions,

� Weekly report of treasury accounts positions,

� Monthly report of treasury accounts positions,

� etc.

All these statuses shall be printed according to different criteria in due time:





• per country,







• etc.


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V-4. Risks Management

V-4-a. Missions

V-4-a-i. Propose and promote an appropriate framework for the

management of the Bank’s exposures;

V-4-a-ii. Design and establish the procedures, tools scope and

controls for sound management of counterpart risks,

financial risks and operational risks of the Bank;

V-4-a-iii. Identification, evaluation, mitigation and provisioning

the risks of the Bank.


� Scoring module (calculation engine and interface) with main parameters

and sub-parameters also available online

� Indexing module for annual financial statements (income statement and

balance sheet) of companies, states and sponsors (with the indexing

capability of several years' history)

� Loan Arrears Management Module

� Watch List of Loan Management Module

� Module for calculating and managing expected losses

� Default Loan Management Module

� Module for the calculation and the management of provisions

� Module for managing and stress test based scenarios simulating of the

Bank’s balance sheet (detailed including such as currency and the maturity)

for ALM purpose

� History of listing over different periods

• per country

• per company

� Interface for tracking Arrears

• per country

• per company

� Interface for tracking balance sheet data

� Supervision - Report of visits and recommendations

� Reporting Requirements (Portfolio analysis, country Concentration, sole

lending, etc.)

� Etc.


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� Historical ratings report (over different periods)

• per country

• per company

• per sector

� Loan arrears report Interface for tracking Arrears

• per country

• per company

• per sector

� Supervision - Report of visits and recommendations

� Watch List of loans report (list of loans with detailed information)

� Portfolio monitoring reports (distribution of portfolio by rating, by

country, by department, by sector, by number of days of arrears,

maturity / maturity, expected losses and provisions by rating, by

country, by sector, by maturity.)

� Bank assets by currency and maturity

� Liabilities of the Bank by currency and maturity.


time:





• per country,







• etc.

V-5. Legal Management

V-5-a. Missions

V-5-a-i. Provide assistance to relevant Departments in reviewing legal

aspects of projects and other operational documents;

V-5-a-ii. Verify the materialization of conditions precedent to the entry into

force of the agreement, disbursement, etc…, as stipulated in the


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agreements, contracts and conventions, and ensure, if need be,

state deadline for lifting them;

V-5-a-iii. Draft loan, contract and convention agreements, make

preparations for and select a date for their signing;

V-5-a-iv. Monitor the execution of these agreements, contracts and

conventions and settle any possible disputes;

V-5-a-v. Ensure the authenticity of guarantees received;

V-5-a-vi. Provide relevant advice on draft agreements, contracts and

conventions submitted to the Bank by either the partners or

service providers before signature;

V-5-a-vii. Provide assistance to the relevant Department in drafting

documents regarding recruitment, management and dismissal of

staff;

V-5-a-viii. Safeguard the Bank’s title deeds and all other surety deeds given

or received by the Bank;

V-5-a-ix. Act as the main custodian of the Bank’s seal, placing it on

documents requiring its use;

V-5-a-x. Finalize, manage, and ensure wide-dissemination of the

fundamental and the existing texts of the Bank;

V-5-a-xi. Initiate, monitor and ensure, in collaboration with the relevant

Departments and legal practitioners (lawyers, solicitors, etc.),

effective conclusion of any litigations and contentious actions

involving the Bank;

V-5-a-xii. Examine policy documents by assessing legal implications and

provide relevant advice to the President;

V-5-a-xiii. Coordinate negotiations on membership or withdrawal of a

member State, and keep a register of Governors, alternate

Governors as well as Directors;

V-5-a-xiv. Receive original documents of the vital documents of the Bank and

keep them in a safe place (various agreements and conventions,

contracts, membership and subscription instruments, cooperation

agreements, Headquarters agreements, Protocol establishing the

Bank etc...);

V-5-a-xv. Manage Headquarters agreements by processing the applications

in favour of the Bank and its staff;

V-5-a-xvi. Provide legal advice to the President of the Bank and consider the

legal implications of actions and policies adopted as part of the

execution of his duties as the official representative of the Bank;

V-5-a-xvii. Provide legal assistance to all units of the Bank for all legal issues;

V-5-a-xviii. Finalize together with the relevant Departments the draft

agreements, contracts and conventions to be signed by the Bank,

and if necessary, send reminders.


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� Electronic management and archiving of legal documents

• Electronic management of financing agreements (Loan agreements, equity

participation, guarantee agreement, line of credit, etc.)

• Computerisation (digitalization) and management of legal documents

received and sent

� Management module of legal acts relating to the administration of Loans for

a coherent management in real time:

• management of guarantees (guarantees received, guarantees given,

redemption of guarantees - diligence, renewal of guarantees, extinction of

guarantees, Management of reminders, etc.).

• etc.

� Interface with the Loan Administration Division

• Alerts on the status of Loans (disbursement, regular, full or projected

repayment, unpaid, provisions, restructuring - request, rescheduling

request, etc.)

� Management of conditions precedent to disbursements

� Management of escrow accounts

• Monitoring of account movements

• Amount to be constituted and amount

• Reminders to agent Banks

• Alert on receipt of bank statements

• etc.

� Management of litigation

• Maintenance of litigation cases

• Computerisation (digitalization) of all the documents of a litigation case

(proceedings, judicial decisions, various documents, various proofs, etc.)

• Management of alerts in relation to important events (hearings,

appointments, etc.)

� Etc.


� Statement of conditions precedent to first disbursement

� List of guarantees per type,

� List of loans fully repaid,

� List of loan agreements,

� etc.


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time:





• per country,







• etc.

V-6. Trade finance

V-6-a. Missions

Involve all the short term operation of the bank.


� Management of pricing policies for the service (commission, other fees,

etc.);

� Management of service fees

� Management of corresponding service fees

� Management of other transaction-related fees (swift fees, express mail

fees, etc.)

� Management of documents relating to the transaction

• Bill of Lading,

• Commercial invoice,

• Inspection,

• Insurance

• Certificate of origin,

• Manufacturing guarantee.

� Trade finance guarantees

• Condition for confirmation

• Escrow account

• Bank guarantee for start-up advances.

� Interfacing with the SWIFT system for processing letters of credit;

� Interfacing with the Accounts department.


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� Well documented Letters of credit issued to date,

� Standby of Letter of credit given as collateral,

� Simple guarantees issued,

� Service commissions received by EBID,

� Fees of corresponding banks,

� The escrow / confirmation account status,

� Statement of expired Letters of credit,

� Statement of issued accounting documents,

� Statement of amended Letters of credit,

� Statement of extended Letters of credit,

� Statement of cancelled Letter of credit,

� Statement of disbursements by Letter of credit.


time:





• per country,







• etc.

VI- DESCRIPTION OF THE FUNCTIONAL ARCHITECTURE, TECHNICAL ENVIRONMENT AND THE INTEGRATION MODEL OF THE PROPOSED SOFTWARE

The functional architecture of the proposed software shall be described and illustrated

with a diagram or any equivalent sketch.


42

The Software Developer or Integrator shall provide the technical information

requested in Form D in Annex 4 in order to give EBID a sufficiently clear idea of the

technical operational environment of the software.

In addition to information requested in the table, the Software Developer or Integrator

will specify the integration tools of the software, or the various modules of the

software, in order to be perfectly integrated with other environments where

necessary, particularly with the current environment of EBID.

VII- INTERFACING

The proposed software shall offer interfacing tools:

� Output interface to any third-party application;

� Input interface for any third-party application.

The Software Developer or Integrator shall present his interfacing tools.

VIII- DESCRIPTION OF THE METHODOLOGY, IMPLEMENTATION STEPS AND THE PROJECT RESOURCES

The Software Developer or Integrator will present:

• a clear description of the methodology for implementing the proposed

software at EBID by indicating the priorities;

• a clear description of the different stages of the project, from technical

environment preparation, to installation and maintenance; for each stage of a

typical project implementation, the average and maximum deadlines shall be

specified;

• the human resources requirements for a typical implementation of the

software in an environment like that of EBID - these are the standard profiles

that the Bank shall have for a successful implementation (skills, certifications,

etc.), both in terms of the configurations and the use of the software ;

• the material resources required for the successful implementation of the

software ;

• the strategy that he believes is most optimal, which can guarantee EBID a

better immediate gain in productivity and performance of the implemented

software, and assisting the Bank in its development prospects (including the

management of future Resident Missions).


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IX- TASKS AND RESPONSIBILITIES OF THE SOFTWARE DEVELOPER OR INTEGRATOR

The Software Developer or Integrator shall present a clear organisation and a precise

plan to EBID to enable the Bank achieve the objectives of this project, namely the actual

deployment of the modules selected in the project and their optimal use in the short

term. This shall include conditions for the smooth running of the project and the

timeframe within which the Bank can attain a full software development level.

IX-1. Tasks

The Software Developer or Integrator-Integrator shall understand that his "mission"

or "project" includes the following tasks:

• propose and provide an integrated banking software (Core Banking

System)

o the software shall comply with international software

engineering standards (Application development),

o the software shall be capable of being interfaced with third-

party software - which implies that it shall be open and integrate

data (input or import and output or export);

o the software shall be able to integrate modules such as Internet

Banking or any other new financial service technology,

o the software shall run on a widely used operating system

(Windows server, Unix or Linux in their most widely used and

secured versions, etc.),

o and any other software or tools required to operate the

software should not be proprietary software s that are not

widely used.

• install the technical platform of the software (servers, operating

system, database system, other tools, etc.);

• implement the software in line with the business process of EBID

o analyse and design the business process of EBID and validate the

functional needs expressed by the Bank,

o on the basis of the Bank's functional requirements, the Software

Developer or Integrator shall provide a report, analysing the

discrepancies between the functionalities provided by his

software and the expected functionalities, while proposing the

appropriate software to remedy them,

o provide EBID with a list of the deliverables he intends to make

available to the Bank at the end of the project,

o install, configure, set the configuration parameters, test

(technical platform tests, integration tests, user agreement

tests, performance tests, volumetric tests, etc.), validate and put


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into production all the functions of its software specified in

these terms of reference,

o Migrate data,

• clearly indicate to EBID the roles and profiles of the Bank's employees

that can best fulfil these roles for the success of the project;

• provide technical training (for technical staff) and functional training

(for users); these training shall cover the fields of:

o technical installation,

o implementation,

o operational functions,

o managerial functions,

o reporting (design, layout and printing),

o error management of the system provided,

o administration of all system components,

o etc.

The Software Developer or Integrator shall take up all his responsibilities set out in

these terms of reference at every stage of the project implementation.

IX-2. Responsibilities

On every functional feature provided in the proposed software,

The Software Developer or Integrator will present the general functional architecture

of the proposed software, explanation of the modules, the modules sub-contracted to

the partner companies, and shall ensure that every functionality is presented in detail

and in all its aspects of use, including details of the functions upstream, downstream

or interacting with it.

The Software Developer or Integrator shall also present the rules governing for every

functionality in the proposed software and identify the constraints, limitations, etc.

On deployment and configuration

It shall ensure compliance with the installation and deployment standards for the

version of the software to be installed. He should ensure that all required components

of the software as part of its operation at EBID are installed and functioning normally

with all necessary licenses.

The Software Developer or Integrator shall provide all the technical support for the

software configuration according to the project needs presented in the different

documents. This will be the occasion for an effective transfer of skills from the

Software Developer or Integrator to the Technical Team of EBID in charge of the

project. Configuration parameters will be carried out in accordance with the


42

Administrative, Financial and Accounting Procedures Manuals and the Operations

Procedure Manuals of EBID.

On data migration

The Software Developer or Integrator will develop a clear approach to migrate the

Bank's current data in the system to be implemented, bearing in mind that this process

will be mainly manual; most of the data to be recaptured are presently in hardcopy

format or in files in different formats.

In terms of volume, an estimate of five hundred (500) project files would not be

underestimate.

On training

The Software Developer or Integrator will ensure that the trainings received by the

Bank's staff are actually the ones intended for each module. To do this, he will have to

devise a method of evaluation both of the quality of the training dispensed (by the

Trainer) and of the skills acquired by EBID personnel on the module (s) taught.

On integration

The Software Developer or Integrator will ensure effective implementation of the

original interface routines (integrated in the product originally by the Software

Developer or Integrator) and of those incorporated later. He will have to test them in

collaboration with the Bank users trained for this purpose.

Finally, he will propose a plan for the deployment of the product (appropriation) in all

its dimensional scope with relevant deadlines. To this effect, he will also have to

propose the infrastructural architecture to allow optimal operation of the entire

product.

On technical assistance

The Software Developer or Integrator will propose the conditions of its technical

assistance for the correct use of the software in the short, medium and long term. He

will outline details of the conditions of technical support both to the technicians of

EBID who will be his internal technical relay team and to the end-users who will use the

software daily.

The Software Developer or Integrator-Integrator shall specify the type of post-

production assistance that will be of benefit to EBID in terms of:

• Availability of support assistance,

• Means and response capacity:

o telephone,

o e-mail,


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o online help,

o webinars, etc.

• Management of incidents of blockage.

On security

The Software Developer or Integrator shall inform EBID of all details necessary for the

optimal security of the software to be implemented, both internally and externally, in

compliance with best practices in this field.

On technology transfer skills

The Software Developer or Integrator should propose a detailed technology transfer

skills plan that demonstrates the quality of the process, the methodology to ensure

this quality, the transferable skills and the profiles of the Bank's employees to be

involved in this process.

On the Software Developer or Integrator's intervention team

The Software Developer or Integrator agrees to make available to EBID at its Head

Office in Lomé, the services of a Project Manager with proven experience in projects

of similar nature and complexity.

It shall be the duty of the said Project Manager to advise the Bank on project planning,

organisation of activities, methodological approach, practical functionalities of the

various modules, good practices, tests, training, transfer of skills and other initiatives

to ensure success of the project.

On Mission Reports

The Software Developer or Integrator shall submit a weekly report on the progress of

the project and a final report at the end of his mission.

On documentation

All the technical documents on every stage of the project, from installation to go-live,

and monitoring of changes in the version at EBID (preparation of the technical

environments, installations, configurations, settings, tests and validations - Quality

control, go-live, application and monitoring of the software upgrades, etc.), all training

manuals as well as users and administrators guide shall be made available to the Bank.

Preference should be given to online or electronic documentation.

X- EXPECTED RESULTS

After the go-live, the difference should be very clear. EBID should note a clear

qualitative leap in the technical management of all the operations of the functions


42

considered under the project, coupled with significant and measurable added value

(improvement of current services, new products and services, quantifiable productivity

gains, etc.). More specifically, EBID expects:

• the establishment of a common repository for all the data and functionalities

to be implemented in the project, guaranteeing the consistency of data and

the harmonisation of actions in the entire system;

• that this repository manages all information (description, configuration

parameters, documents, events, expected actions, etc.) relating to projects,

loans, risks and disputes;

• the provision of a collaborative working environment for the management,

monitoring and control of projects from their inception in the EBID portfolio

to their archiving, including the entire loan cycle;

• the availability of information in real time on all managed projects in the

system, regardless of their status;

• the implementation of tools for producing decision-making information

(dashboard in the Office of the President, the Vice President, Audit, etc.);

• development of the interfaces for extracting data to files of various formats

(to be specified by the Software Developer or Integrator) and interfaces for

importing data to the system to be installed;

• detailed documentation of the proposed software to enable EBID take charge

of the software at both the technical and functional levels in an autonomous

way;

• the security guarantees and the documentation on the security of the

software to be installed in its various components and tools :

�� Operating System (OS),

�� Database,

�� Application,

�� User,

�� Web,

�� Backups, and

�� Recovery after incidents;

• a complete transfer of competences from the Software Developer or

Integrator to EBID, both in terms of systems (installations, updates, etc.) and

functional level (settings, uses, etc.);

• a clear expression of the software limitations proposed by the Software

Developer or Integrator, in relation to the functions to be covered by EBID.

The mission of the integrated Software Developer or Integrator will be considered

completed only when the project is fully implemented in all its ramifications according

to the methodology chosen by mutual agreement with the Bank, with actual trial by

both parties of :


42

� implementation of the centralised banking software with all

the hardware and software components necessary for its

smooth operation;

� the operation to the total and unreserved satisfaction of EBID,

over a period of twelve (12) months of full activity, of all the

modules implemented, namely:

o project management,

o loans administration,

o risk management,

o management of legal acts,

o treasury management;

� actual presence of at least one of the Software Developer or

Integrator’s staff who will assist EBID in corrective actions,

change management and appropriation of the software over a

total period of three (3) months during the twelve (12) months

trial period specified above;

� implementation of all physical and software security

mechanisms to ensure a secure use of the software at all

levels;

� complete integration of the software with EBID platforms to

be interfaced with it;

� successful training of trainers;

� appropriation by the Bank (by each of the project stakeholder

at his own level) of the implemented software.

XI- RESPONSIBILITY OF EBID WITHIN THE CONTEXT OF THE MISSION

EBID undertakes to provide the Consultant with all the non-confidential information

and documents that the Software Developer or Integrator may require for the

accomplishment of the mission.

EBID will also make every effort to provide an excellent working environment, facilitate

travel, appointments, information gathering on the project or any other actions

essential for the smooth running of the mission on its own initiative or upon request

by the Software Developer or Integrator.

Finally, EBID agrees to make available to the Software Developer or Integrator all the

human resources necessary for the success of the project within the implementation

period proposed by him.


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The Software Developer or Integrator will work with a Project Committee chaired by

the Vice President in charge of Operations, representing the President of EBID. The

functioning of this committee will be organised by mutual agreement between the

representatives of EBID and those of the Software Developer or Integrator.

XII- DURATION OF MISSION

The Software Developer or Integrator will indicate in his bid the exact duration of his

mission in months, from the date of notification of the order for services. This period

of mission implementation is perfectly demonstrated in the schedule proposed by the

Software Developer or Integrator.

XIII- CONSULTANT’S WORKING LANGUAGES AND USER LANGUAGES OF THE PROPOSED SOFTWARE

The Software Developer or Integrator shall have perfect command of French or

English.

But, the proposed software shall be installed and used in both languages without any

restrictions (administration, technical and functional configurations, use, etc.). Thus,

the software must provide be multilingual environment of work.

The software to be installed shall be useable in English and French at all levels

(installation, configuration, use, etc.).

XIV- LOCATION OF PROPOSED SERVICES

The location of all the services covered by the present terms of reference is the Head

Office of EBID in Lomé, the Republic of Togo.

A contract agreed upon by both parties shall be signed before commencement of

works.

XV- PROJECT BUDGET

The Software Developer or Integrator will present the detailed project budget, clearly

showing:


42

• cost of all licenses required for optimal operation of the software to be

provided, including (application, database, tools, or any other licenses

necessary for the operation of the proposed software); licensing costs to be

clearly displayed by product and module;

• cost of servers and other specific infrastructure or equipment to be provided

for the software installation in the Bank;

• cost of all designs, developments, and implementation of any additional

software, to meet all the needs of EBID taken into account within the scope of

the software it is proposing;

• expenditure on transportation and accommodation for Software Developer

or Integrator’s staff involved in the project for the entire implementation

period;

• cost of annual support and maintenance services;

• as well as expenditure of any kind that should be paid by EBID as part of the

services of the Software Developer or Integrator in connexion with the

project;

• cost of the project out-of-scope services that EBID may eventually order

(expenditure of the services of the Software Developer or Integrator in

manpower/day in West Africa, especially Togo);

• the Software Developer or Integrator should note that EBID enjoys the status

of an international organisation and consequently, is exempted from payment

of taxes in all ECOWAS countries.

With regard to licenses, the Software Developer or Integrator shall clearly state the

formula of its licenses (one-time purchase, leasing, renting, etc.).

XVI- QUALIFICATIONS OF THE SOFTWARE DEVELOPER OR INTEGRATOR AND HIS INTERVENTION TEAM

As the project in respect of which this bidding process is being organised is expected

to be financed with funds from India, only Indian companies are authorised to

participate in this selection process.

The Software Developer or Integrator shall be the true and real officer responsible for

the project.

Where the Software Developer or Integrator has to involve the services of a

subcontractor, he shall specify in his bid, all the aspects concerned with this

subcontract.

He shall then have quality staff to be assigned to the project, including:


42

• a Project Manager, who shall have at least seven (7) years’ experience in this

field and at least three (3) years on the proposed software;

The Project Manager shall advise EBID on the project planning,

methodological approach, implementation activities, functionalities of the

proposed software (constraints, exceptions, etc.), good practices and all

other aspects necessary for the successful implementation of the project

• a Banking & Finance Specialist, with a degree in Banking & Finance (or

organisation) and a solid background in organizing the Bank's functions (or in

implementing banking information systems), with at least three (3) years’

experience in this field;

• a Technical Team Leader, who shall have at least three (3) years’ experience

in the design and planning of Engineering projects, Information and

communication, modernisation of information systems, with proof of similar

instances that led to the actual implementation of the said projects

concerned;

• a Functional Team Leader, who shall have at least three (3) years’ experience

in the technical implementation of similar software s, having covered:

o analysis and understanding of user needs,

o interpretation and translation of user requirements into

functional diagram,

o preparation of test case and running of tests,

o validations of sub-modules and modules,

o validation of User Acceptance Tests

o integration tests,

o support during go live,

o change monitoring.

The Software Developer or Integrator shall:

• have conducted similar projects over the last three (3) years (accomplished

project of at least three of the modules being sought by EBID);

• be fully available during the project implementation period to assist EBID on

all technical and functional aspects in order to ensure complete and perfect

success from the onset;

• be able to work under pressure;

• be able to work in collaboration with other stakeholders in the same project

(Integrator, Consultant, Project Manager, etc.).

In all cases, the Software Developer or Integrator shall have the relevant experience in

the operation of financial institutions.


42

Furthermore, the Project Manager and the Banking Organiser may only be replaced

with prior notice and approval by EBID.

XVII- REFERENCES OF THE SOFTWARE DEVELOPER OR INTEGRATOR

Important references of the Software Developer or Integrator with regard to the

proposed software (clients of the Software Developer or Integrator with which the

proposed software is implemented and functioning to date) shall be listed with the

contacts of the persons responsible for operating the said software.

EBID reserves the right to conduct any investigations it shall deem necessary to verify

the accuracy of the references cited by the Software Developer or Integrator.

XVIII- METHOD OF CONSULTATION AND RULES OF PARTICIPATION

These terms of reference are intended for a shortlist of companies selected by EBID in

the light of their activities as Software Developer or Integrators and their experience

in the design and development of software applications for banks.

Only Software Developer or Integrators are authorized to participate in this bid.

Only Indian Software Developer or Integrators are qualified to compete for the project

concerned in these current terms of references.

XVIII-1. Representative of the Client (EBID)

With a view to understanding and correctly interpreting the terms of reference,

bidders, who so wish, may forward their requests for explanations to the persons

named below whom EBID has mandated to represent it:

Mr. COULIBALY Moctar and Mr. ASSIH Essohanam Head Office of the ECOWAS Bank for Investment and Development

128, Boulevard du 13 janvier

01 B.P. 2704

Tel. +228 22216864

Lome, Togo

E-mail: [email protected]

XVIII-2. Representative of the Bidder

Similarly, the Bidder will communicate to EBID in writing through the representative

of the latter the person who is to represent him.


42

All communication relating to this invitation to bid between EBID and the Bidder

should be done through their representatives.

Any representative of the Bidder who presents himself to EBID will only be

accepted by the Bank on the presentation of a letter of recommendation duly

signed by the Bidder and authenticated by EBID.

XVIII-3. Content of the offer

The Bidder shall provide all necessary and sufficient information to allow for the

proper appraisal of his offer.

He shall demonstrate that he possesses all the requisite qualifications to carry out

the project, in response to all the expectations of EBID.

A bidder shall not make more than one offer or risk being eliminated from the bid

process.

In order to ensure a systematic analysis and a coherent appraisal of the bids,

Bidders are requested to fill all the tables (Forms and Price list) presented in the

annexes to these terms of reference.

XVIII-4. The validity of the Bidder’s offer

The validity period of the Bidder's offer shall be one hundred and twenty calendar

days starting from the date on which the bids were opened.

XVIII-5. Copyright of the Bidder’s offer

All documents relating to the bidder's offer and other supporting documents shall

be the property of EBID when transmitted to the Bank and will not be returned to

the Bidders even after the bid process.

XVIII-6. Amendment of the terms of reference and right of reservation

EBID reserves the right to amend terms of reference, request for additional

information from Bidders, extend the deadline for submission of bids, or simply

cancel the bid process.

EBID may also, by right, reject any of the bids where it observes that the bidder has

flouted any of the provisions of this process.


42

XVIII-7. Legal scope of documents exchanged during the bid process

Contents of the terms of reference, the Bidder's offer and all related documents

shall be binding on the successful bidder for the project implementation will be part

of the service agreement to be signed.

XVIII-8. Expenditure for preparation of offer by the Bidders

All expenditure in respect of preparing the offers incurred by the Bidders

throughout the bid process shall be borne exclusively by the Bidders.

Also the successful bidder shall bear the cost of all insurance or medical fees during

the execution of its duties.

Furthermore the successful bidder shall take steps to obtain visas or resident

permits it would require for the discharge of its duties and honour all its contractual

obligations. The Bank shall assist in these processes any time it becomes necessary

and possible.

XVIII-9. Submission of bids

Bidders who respond to this bid process should forward their bids to the Head

Office of EBID not later than 11 May 2018 at 12 noon prompt.

XIX- FORMAT OF PRESENTATION OF BIDS

XIX-1. Technical offer

The technical offer, of which all pages shall be initialed by the Bidder, shall be made up

of the following documents, without making any financial statement:

• a cover page showing the Bidder's logo

• table of contents

• submission letter duly signed by the Bidder

• summary of the technical bid (Executive Summary)

• Form A Profile of the Bidder

• Form B Table showing the Bidder's turnover trend for the last

five (5) years

• Form C Technical and commercial references of the Bidder

carrying out similar activities as EBID

• Form D Information and details on the proposed integrated

banking software

• Form E Qualification and experience of the Project Team

• Form F Methodology and Implementation Plan

• Form G Operating system, database system, tools, etc.


42

• Form H Support and assistance after Go-live

• Form I Training and transfer of technical skills

• Form J Documentations

• two (02) digital copies of the technical bid, including one (01) copy on

Flash drive (USB key) and one (01) other copy on CD

• administrative documents (legal document attesting the existence of

the structure, document attesting that the structure has duly honoured

its tax and social security obligations.

XIX-2. Financial offer

The financial offer, of which all pages shall be initialled by the Bidder, and presented

in US dollars shall:

• be valid for 120 days, from the date of opening of the financial bids,

• be presented in different chapters:

� licenses for the modules of the integrated banking

software ;

� licenses for management of the technical environment

(servers, operating systems, database system, other

tools, etc.)

� expenditure of all the services relating to the project

implementation, from analysis to the Go-live;

� annual expenditure for maintenance support:

o licences,

o services,

o others ;

� any other expenditure (transport, hotels, per diems

including any other costs that the Bidder considers should

be part of the project costs to be borne by EBID).

• be understood by the various parties as representing all sums, without

any omission of any kind, to be paid by EBID under the terms of the

terms of reference of the project, only to the Bidder selected for the

project implementation and in accordance with the contract for

procurement of goods and services to be signed between the Bidder

and EBID.

The financial bid shall consist of the following documents:

• a cover page showing the Bidder's logo,

• table of contents,

• Schedule 1 Summary of all expenditure in figures and in words

• Schedule 2 Licensing expenditure for the proposed integrated

banking software


42

• Schedule 3 Cost of licenses for management of technical

environmental management licensing expenditure

(servers, operating systems, database system, other

tools, etc.)

• Schedule 4 Expenditure of all services during the whole project

implementation period (from analysis to production,

training, transfer of skills, change management, etc.)

• Schedule 5 Annual Expenditure for Software, assistance and

Maintenance Support

• Schedule 6 Expenditure on transportation, hotels, per diems,

Telephone, travels, etc.

• Schedule 7 Any other expenditure (Documentation, etc.)

• two (02) digital copies of the financial offer, including one (01) copy on

USB key and one (01) other copy on CD. The Bidder must also be aware that :

• for any difference in amounts on the various schedules, the amounts in

words of Schedule 1 of the financial offer will be considered;

• where there is a difference between the total and the unit costs, the

unit costs are credible and the new total cost, the sum of the unit costs,

will be considered;

• if after these corrections by EBID, the Bidder disputes the new

amounts, EBID reserves the right to reject his offer.


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XX- EVALUATION CRITERIA OF THE BIDS

XX-1. Evaluation of the technical bid

Criteria rated Comment

Proper understanding of the mandate 10

• Matching the offer with the terms of

reference.

• Understanding the issues and needs.

• Understanding the objectives and expected

results.

2 Quality and precision of the bid 15

• Quality and precision of the services to be

provided by the Software Developer or

Integrator.

• Overall assessment of the offer according to

the needs of EBID.

3 Approach, methodology and work plan 30

• Appropriateness and realism of the

approach, methodology, work plan and the

proposed means of work.

4 Project implementation plan 05

• Relevance of the schedule of services

proposed in the work plan.

• Ensure that the proposed schedule will be

maintained.

5 The Software Developer or Integrator and capacity

of his team to carry out the EBID project 30

• Experience and references of the Software

Developer or Integrator.

• Experience and qualification of the

participants in the project (profiles and

previous relevant experiences).

6 Support for Go live and

change management 10

• All the measures proposed and likely to be

implemented by the Software Developer or

Integrator to ensure successful go-live on his

application platform

• All necessary measures to accompany the

changes.

XX-2. Evaluation of the demonstrations

Successful Bidders, after analysis of the technical bids on the basis of a

minimum score of 80% of the overall score of the six (6) chapter above, will

be required to present and demonstrate their software to EBID at their own

expense.


42

An EBID team will be mandated to check some specific aspects of the

software or cross check some statements of the Bidder in its proposal.

The demonstration of the software by the Software Developer or Integrator

will be marked over hundred (100).

The final score of the Bidder’s technical bids will be the simple average of the

mark obtained after the analysis of the technical bids and the mark of the

demonstration.

The bidder with the highest final score will be the first to be invited for the

project.

XX-3. Scoring Scheme

� The individual technical scores of the technically qualified Bidders,

thereafter, will be normalized as per the formula below:

Tn = ( Tb/Tmax ) x 100, where:

� Tn = Normalized technical score for the Bidder under

consideration

� Tb = Absolute technical score for the Bidder under

consideration

� Tmax = Maximum absolute technical score obtained by any

Bidder

� After the scoring of the technical bids, the bidders who would obtain Tn

more than 80 will be invited to demonstrate their software at EBID’s

headquarter. The demonstration of the software will be score as below:

Dn = ( Db/Dmax ) x 100, where:

� Dn = Normalized score for the software demonstration of

the Bidder under consideration

� Db = Absolute score for the Bidder software demonstration.

� Dmax = Maximum of the absolute scores obtained by any

Bidder during the demonstrations.

� Afterward, the final technical score of the bidder will be shown as below:

TDn = (Tn + Dn)/2

� Only Financial Bids of those who have been technically qualified shall be

opened for further evaluation.


42

� The Commercial Offer of the bidder shall be the sum total of all the price

elements shown in the Schedule 1 of its financial bid.

� The commercial scores will be calculated as per formula given below:

Fp = Fb/Tb

Fn = ( Fmin/Fp ) × 100, where:

� Fn = Normalized financial score for the Bidder under

consideration

� Fb = The commercial bid value of the Bidder under

consideration

� Fmin = Minimum of the Fp values

� The overall score will be calculated as per the formula given below:

Bn = [(80xTDn) + (20xFn)]/100, where:

� Bn = Overall score of the Bidder under consideration

� TDn = Normalized technical score of the Bidder under

consideration

� Fn = Normalized financial score of the Bidder under

consideration

� The Bidder getting the highest score (Bn) shall be selected for award of

the project.

The final scores would be rounded off to two decimals.

XXI- IMPLEMENTATION PLAN OF THIS BID PROCESS

Stages of the selection process Date or period

Launch of the invitation to bid by EBID 02 April 2018

Response to questions and possible additional

information 02 April 2018 – 20 April 2018

Deadline for reply and clarifications by EBID 25 April 2018

Deadline for submission of bids by Bidders 11 May 2018

Publication of the list of successful Bidders for

the demonstration of their software s 04 June 2018

Demonstrations 25 June 2018 – 10 July 2018

Opening of financial bids and final appraisal 11 July 2018

Award of contract to the best Bidder at the end

of the appraisal process 13 July 2018


42

Will be completed with the implementation plan that will be provided by the successful

bidder.

The bidder shall indicate the period in which he will start the project after the project

award notification to him by EBID.

XXII- OPENING OF BIDS

• Technical and financial bids will be opened, in the presence of Bidders

who wish to be present, at the EBID Head Office in Lome, Togo:

ECOWAS Bank for Investment and Development

128, Boulevard du 13 janvier

01 B.P. 2704

Tel. +228 22216864

E-mail : [email protected]

• the technical bids will be opened on 14 May 2018 at 15h:00 GMT;

• the financial bids will be opened on 2 July 2018. Only the corresponding

Financial bids of the technical bids that exceed a scoring of 80% during

the evaluation will be opened.

• however, the Bank reserves the right to postpone the opening of

technical and financial bids to a later date and time other than the

dates and times indicated for unforeseen reasons which it will then

have to communicate to the Bidders;

• the total amount of the Bidder’s Bid Sheet 1 constituting the total cost

of the Bidder's project will be read aloud to all participants at the

opening of financial bids;

• bidders or their representatives present at the opening of bids shall

sign a document attesting to their presence;

XXIII- DISCRETIONARY CLAUSES

• All the information requested by EBID: information on the Bidder, his

software platform, his customers, third parties, the project process,

post-production commitments, documentation, etc. are not limited.

EBID therefore reserves the right to request additional information at

any time during the project.

• EBID reserves the right to check references provided by the bidder or

request for additional informal where it deems necessary;


42

• Where the first Bidder shortlisted fails to comply with any clause of

these terms of reference, or provides false or misleading information,

etc., EBID reserves the right to simply exclude him and will then solicit

the second Bidder shortlisted after the bid process where the Bidder

meets the selection criteria for the project implementation.

• etc.

Terms of References for the Procurement of an Integrated Management Software adapted to the Operations of EBID – March 2018 1

55

XXIV- ANNEXES


55

XXIV-1. Annex 01 : Verification Lists (Check list)

Check List - Documents to submit for the technical bid �� 1 Cover page showing the Bidder's Logo,

2 This verification list (checklist)

3 Table of Contents

4 Letter of submission duly signed by the Bidder

5 Summary of the technical bid (Executive Summary)

6

Content of the Bidder's technical bid (bidder's response to the

general needs expressed by EBID in these schedule of terms of

reference)

7 Form A Profile of the Bidder,

8 Form B Table showing the Bidder’s turnover trend over the

last five (5) years,

9 Form C Technical and commercial references of the Bidder

carrying out similar activities as EBID

10 Form D Information and details on the proposed integrated

banking software

11 Form E Qualification and experience of the Project Team

12 Form F Methodology and Implementation Plan

13 Form G Operating system, database manager, tools, etc.

14 Form H Support and assistance after Go-live

15 Form I Training and transfer of technical skills

16 Form J Documentations

17 Two (02) digital copies of the technical bid, including one (01) copy

on Flash drive (USB key) and one (01) other copy on CD.

18

Administrative documents (legal document attesting the existence

of the structure, document attesting that the structure has duly

honoured its tax and social security obligations.


55

Check List - Documents to submit for the financial bid �� 1 This check list

2 Schedule 1 Summary of all expenditure in figures and in words

3 Schedule 2 Licensing Expenditure for the Proposed Integrated

Banking software

4

Schedule 3 Cost of licenses for management of technical

environmental management licensing expenditure

(servers, operating systems, database management

system, other tools, etc.)

5

Schedule 4 Expenditure of all services during the whole project

implementation period (from analysis to the system

production, training, transfer of skills, change

management, etc.)

6 Schedule 5 Annual expenditure on assistance and software

maintenance support

7 Schedule 6 Expenditure on transportation, hotels, per diems,

telephone, travels, etc.

8 Schedule 7 Any other expenditure (Documentation, etc.).


55

XXIV-2. Annex 02 : Letter of commitment from the Bidder

Draft Letter of Undertaking of the Bidder in respect of the ToR.

To:

The President of Information System Modernization Committee

Ecowas Bank for Investment and Development

Dear Sir/Madam,

We, the undersigned, are honoured to offer our services to you in the acquisition

of an integrated management software adapted to the operations of EBID in

conformity with your letter of invitation dated April 2, 2018 and our offer. We hereby

submit our proposal to you, comprising a technical offer and a financial offer in

separate sealed envelopes.

{Where the Consultant is a group, insert the following: We submit our Group

Proposal as follows: {Insert the list indicating the full name and address of each

partner, and identify the leader}. We attach a copy {insert: “of the letter of intention

to form a group” or, where a group is already formed, “the agreement of the group”}

signed by each of the partners of the group, including details of the probable

structure and confirmation of the joint and several liability of the partners of this

group.

We declare that :

(a) All the information and declarations in the offer are true and we accept that any

error in interpretation or false declaration contained in the said offer may result in our

disqualification or sanction by the Bank.

(b) Our offer shall remain valid and binding on us for the entire period mentioned in

the terms of reference.

(c) We undertake, by presenting our offer, to execute the contract, comply with

the laws of the country hosting the head office of the Bank and eschew fraud and

corruption (including illicit payments).

(d) We undertake to negotiate a contract taking into consideration the key staff

proposed.

(e) Our offer, as far as we are concerned, is binding, subject to changes emanating

from the negotiations of the Contract.

(f) Where our proposal is accepted and the Contract signed, we undertake to

immediately commence the services under the contract.


55

(g) We acknowledge that EBID is under no obligation to accept any one of the bids

it would have received.

Please accept Sir/Madam, the assurance of my highest consideration.

Signature of authorised representative:

Name and title of the signatory:

Name of the Software Developer or Integrator (company or group):


55

XXIV-3. Annex 03 : Project summary (Executive summary)

Here, the Bidder shall present the technical summary of his technical bid, on a

maximum of three (3) pages, including:

� technical architecture (1-tier, 2-tier, 3-tier or 4-tier),

� functional architecture,

� development technologies,

� recommended servers,

� supported operating systems and the reasons,

� supported database systems and the reasons,

� advantages of the bid to EBID,

� any other information which the Bidder considers relevant to

bring to the attention of EBID.


55

XXIV-4. Annex 04 : Technical bid Forms

This annex contains all the Forms to be filled by the Bidder in constituting of his

technical offer.

On each Form, the column on the far right is reserved for the Bidder's reply.

Forms B, D2, D3, G and I1 present several columns to be completed by the Bidder.

Form A – Profile of the Bidder

PROFILE OF THE BIDDER

1 Full name of the Bidder

2

Address of the Software

Developer or Integrator (known

address)

3 Full name of the potential parent

company

4 The main shareholders

5 Bidder's telephone numbers

6 Official e-mail address

7 Company creation date

8 Registration number (attach

proof)

9

Names of the Chairman/

Managing Director or the Chief

Executive Officer

10

Representative of the Software

Developer or Integrator to EBID

• Full name

• Position in the company

• Telephone

• E-mail address

11 Main activity of the Bidder

12 Date on which the bidder started

this main activity

13

Date on which the Bidder started

the development of bank

management software


55

14 All Software developed and

marketed (attach catalogues)

15

Certificates obtained on quality

services by the Bidder for his

integrated banking management

system (specify the modules

concerned if necessary)

16 Total number of branches

worldwide ?

17

Total number of branches in

Africa ?

List of countries in Africa where

there are branches

18 Total number of employees

19

What is the geographical

distribution of your customers in

the world:

• Africa ?

• Europe ?

• America ?

• Asia and Oceania ?

20

Do you have any clients and

proven experience in West Africa?

If yes, list them and their location

(countries) ?


55

Form B – Turnover of the Bidder

TURNOVER OF THE BIDDER

Year 2012 2013 2014 2015 2016

Turnover

Net Profit

Total

balance

Sheet


55

Form C – References of the Bidder

In this Form, the Bidder presents his bank clients or financial institutions where the

software proposed to EBID is installed and operated to date. The clients listed by the

Bidder shall be at least the size of EBID.

C1 LIST OF REFERENCES OF THE BIDDER THROUGH CONTINENT

(Just list them)

1 Africa

2 Asia and Oceania

3 America

4 Europe

C2 DETAILS OF SIGNIFICANT REFERENCES OF THE BIDDER

1 Full names of the client

2

Address of the client (known

address)?

• Country

• City

• Telephone

• E-mail address

3

Person to contact

• Full names

• Telephone

• E-mail address

4 Number of branches

5 Details of installed modules

(Version of module, etc.)

6 Number of users per module

7

• Starting date of

implementation

• Date of production launch

8 Challenges encountered during

project implementation1

9

Operating system used by the

client (OS)?

Version?

10

Database management system

used by the client?

Version?


55

11

Other tools used by the

customer?

Version?

12

Does the customer use the

software to date so that EBID can

pay Site Survey to him?

If no, why?

1 EBID reserves the right to call or even visit the customer

to compare information given by the Bidder about his

customers.


55

Form D – Information and technical details on the proposed software Form D consists of a set of 03 (three) sub-Forms, including:

• D1 : information on the proposed software ,

• D2 : information on the modules of the proposed software , and

• D3 : technical details of the proposed software .

D1 INFORMATION ON THE PROPOSED SOFTWARE

1 Full software name (product)?

2 Latest version currently marketable?

3 Number of years this current version is

operational and marketable?

4 Estimated remaining life of this

version?

5 Date of next major version release?

Details

6 Supported Operating Systems (OS)?

7 Supported database management

systems?

8 Other software or tools necessary for

this version of your software?

9 Indicate any third-party product

incorporated into your software?

10 What report tool does your software

support ?

11

Languages

• Installation languages?

Can they be changed in real time?

• Configuration languages ?


• Languages of use ?


12

List all the modules of your integrated

banking software and highlight the

proposed modules to meet the needs

expressed by EBID ?


55

D2 INFORMATION ON MODULES OF THE CURRENT SOFTWARE VERSION

(Modules proposed to meet the needs expressed by EBID)

FUNCTION MODULE NAME PROPOSED

VERSION

PUBLICATION

DATE OF THE

VERSION

COMMENT

1 PROJECT

Management

2 LOANS

Administration

3 RISKS

Management

4 Management

of LEGAL ACTS

5 TREASURY

Management

6 TRADE

FINANCE

7

Where there is

need to add

other

mandatory

modules,

please specify?


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D3 TECHNICAL DETAILS OF THE PROPOSED SOFTWARE

KEY 1 Not Implemented

2 Partially implemented

3

Supported through add-ons, an

integrated partner software , a third

party software , etc.

4 Totally implemented

Y Required

N Not required

Description of the software technical

details R

eq

uir

ed

Implemented

1 2 3 4

Capital and Shareholders

1 Can your software manage information about members

of the Board of Governors? N


of the Board of Directors? N


of the various management committees of the bank ? N

4 Can your software manage the capital data of the Bank

and its shareholders? N

5 Can your software manage payments breakdown of the

capital in tranches? N

6 Can your software calculate capital ratios directly from

its database? N

General information, Integration and upgradability

1 Is your software designed in a modular way? Y

2 Are all the modules in your software integrated? Y

3 Have you integrated third-party modules? Y

4

Does your software integrate a Workflow chain (s) to

control the processes running according to the

management rules defined in the software, while

ensuring to measure the effectiveness of decision-

making, monitoring data processing, etc.?

Y

5

Does your software Workflow manage validation rules,

assign roles, and specify mandatory documents,

validation levels?

Y

6

Does your software Workflow generate alerts in the

event of breach in management rules (failure to

perform a configured management rule)?

Y

7

Does your software Workflow allow to integrate

multiple document formats such as photographs,

identity cards, scanned documents of various formats,

and more ?

Y

8 Y


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9 Is your software “webwebwebweb----basedbasedbasedbased”, compatible with most

popular browsers? Y

10 Can one use tablets to connect to your software? N

11 Can mobile phones be used to connect to your

software? N

12

Can your software easily integrate with other

software?

If Yes, through which means?

Y

13

Does your software offer data import tools?

If Yes, by what format?

Y

14

Does your software offer data export tools?

If Yes, in what format?

Y

15

Does your software incorporate an anti-money

laundering module?

Y

16

Are there any integrators firm of your software?

Mention them (name and location)?

N

Functionalities

1

Is there an end-of-day function (closing of day process) in

your software?

If yes, describe the function?

N

2

Are there any special functions to perform at particular

dates in your software (end of month, end of quarter, end

of semester or end of year, for example)?

N

3

How does the accounting of transactions handle in your

software :

• in real time ?

• in deferred time (end of day)?

N

4

Can your software be interfaced with other accounting

software?

If yes, briefly explain how?

Y

5

Can your software be delivered with an integrated

accounting module?

If yes, can this accounting module report directly to IFRS?

If No, how can the IFRS standards be aligned with it?

N

Project Management (Loans origination)Project Management (Loans origination)Project Management (Loans origination)Project Management (Loans origination)

6

Can your software manage long-term business loan for

companies to finance their investment (Investment Investment Investment Investment

banking activitiesbanking activitiesbanking activitiesbanking activities)?

Y

7

Can your software manage long-term loan projects in the

Member States to finance their development

(Development banking activitiesDevelopment banking activitiesDevelopment banking activitiesDevelopment banking activities)?

Y


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8

Can your software collect customer or loan data via a web

interface?

Y

9

Does this interface accommodate (accept) tablets and

mobile phones?

Y

10

Does your software allow to plan tasks relating to

collections and checking of information about the project

to be financed?

Y

11

Once the project is selected and funded, can supervision

missions be planned in your software?

Y

12

Can the expenditure associated with these missions be

integrated into the project data in order to assess its final

profitability?

Y

13

Does your software monitor the eligibility of a project for

a loan?

Y

14

Does your software allow drawing up and editing of

contractual loan documents for signature?

Y

15

Does your software manage historical and financial

assumption information about customers?

Y

16

Can one print customer financial statements (balance

sheet, income statement cash flows) with your software?

Y

17

Can one calculate customer solvency ratios with your

software?

Y

18

Does your software allow to generate business plan with

the maximum amount of information about the client and

the project to be financed in a format suitable for

decision-making?

Y

19

Does your software allow the setting of several levels of

decision whether or not to grant the loan?

Y

20

Is the chain of decisions for a project integrated into a

collaborative chain (Workflow)?

Y

21

Can your software present the status of a project to be

funded in order to assist decision-making?

Y

22

Does your software allow to rate clients (States or

companies)?

Y

23

Does your software allow to print loan agreements to be

signed?

Y

24

Once the loan agreement is printed and signed, can the

digitised copy be stored in the system? Y


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Loan administrationLoan administrationLoan administrationLoan administration Y

25

Can the Workflow chain of your software be configured

for the end-to-end processing of the loan application

procedure?

Y

26

Is the configuration of your software flexible enough to

allow the creation of new types of Loans or Loan

conditions in compliance with international good

practices?

Y

27

Does your software allow to configure new

reimbursement conditions different from the current?

Y

28

Does your software make it possible to prioritise Loan

repayment related items such as: penalty first, followed

by interests and principal?

Y

29

Does your software offer an automatic and flexible

calculation of interests and depreciation?

Y

30

Does your software offer different options for calculating

the interest rate and drawing up the depreciation table?

Y

31

Can your software draw up the depreciation table with

the actual rate and all Loan fees?

Y

32

Can the loan management module of your software be

interfaced with the interbank payment software for

automatic consideration of refunds or disbursements?

Y

33

During the life of the Loan, does your software

automatically calculate deductions from regular

repayments, calculating penalties for repayment delays?

Y

34 Does your software allow grace periods? Y

35

Does your software allow deferment of Loan repayments

(moratorium)?

Y

36

Does your software calculate the total number of active

Loans?

Y

37

Does your software allow to restructure a Loan, calculate

deferred interests, etc.?

Y

38 Does your software allow to reschedule a Loan?

Y

39 Does your software allow to restructure a Loan?

Y

40

When a Loan is restructured, does your software keep

track of the Loan history and its terms and conditions

over time?

Y

41

Does your software allow full or partial repayment of the

Loan?

Y

42

Can your software automatically track refund arrears and

send the necessary alerts?

Y


55

43

Can your software automatically issue recovery letters

depending on the situation (overdue accounts, non-

payment of fees, etc.)?

Y

44

When the Loan is fully cleared, is your software capable

of archiving all the elements of the life of the Loan, from

the appraisal of the project financed until the closing of

the Loan file?

Y

45

After repayment of the last Loan due date, does your

software automatically close the Loan file?

Y

46

Can the change of sensitive data of the customer only be

made with a level of authorisation that can be

configured?

Y

47

Can the change of the sensitive data of the Loan be done

only with a level of authorisation that can be configured?

Y

48

Does your software allow the management of several

commissions on the same file?

Y

49

Does your software allow to manage fees and

commissions?

Y

50

Does your software allow to set commissions on a Loan

file as a percentage of the amount of the commitment

question?

Y

51

Does your software keep track of the Loan historical

conditions and Loan situations after the Loan closure?

Y

52

Can your software allow to set the prerequisites for the

first disbursement of the Loan?

Y

53

Can your software allow to set the prerequisites for other

Loan disbursements?

Y

54

Does your software allow to draw up the following

statements:

Y

55 Amounts disbursed per credit granted?

Y

56

Amounts disbursed per loan granted per sector of

activity?

Y

57

Amounts disbursed per loan granted per type of

customer?

Y

58

Disbursements over a given period (monthly,

quarterly, semi-annual, etc.)?

Y

59


quarterly, semi-annual, etc.) per sector of activity?

Y

60


quarterly, semi-annual, etc.) per type of customer?

Y

61 Outstanding Loans per borrower?

Y


55

62

Outstanding Loans per type of borrower (country or

company)?

Y

63

Outstanding loans by type of borrower (country or

company) and per sector?

Y

64 Default by borrowers (country or company)?

Y

65 All outstanding Loans? Y

66 Status of all outstanding Loans by borrower?

Y

67 All outstanding Loans per borrower and per sector

of economic activity? Y

68 All outstanding Loans per type of borrower?

Y

69

All outstanding Loans per type of borrower and per

sector of economic activity?

Y

70

Loans per Loan terms (short, medium and long

term)?

Y

71

Loans outstanding by Loans terms (short, medium

and long term)?

Y

72 Outstanding Loans per terms, per borrower?

Y

73

Outstanding Loans per terms, borrowers and

sectors?

Y

74

Outstanding Loans per terms, per type of

borrowers?

Y

75

Outstanding Loans per terms, type of borrower and

sector?

Y

76

Summary of all commitments over a given period,

per type of commitment?

Y

77

Summary of all commitments over a given period

per borrowers?

Y

78


per borrowers and sectors?

Y

79


per type of borrower?

Y

80


per type of borrower and sector?

Y

81 Summary of all commitments over a given period ?

Y

Management of interest ratesManagement of interest ratesManagement of interest ratesManagement of interest rates

82

Does your software allow several methods of calculating

the interest rate on Loans?

List the different types of rates that can be managed in

your software?

Y


55

83 Does your software determine the net interest margin?

Y

84 Does your software calculate deferred interests, etc.?

Y

LegalLegalLegalLegal

85

Can your software manage all legal documents relating to

a Loan?

Y

86

Does your software allow to manage the collaterals

received by the Bank in return for its commitment to

projects?

Y

87

Does your software allow to manage collaterals given by

the Bank as part of its commitments to customers?

Y

88

What types of guarantees cannot be managed by your

software?

N

89

Is the management of legal acts part of the Workflow

chain in your software?

Y

90

Can your software enable the Bank’s Legal Department to

check the pre-conditions for disbursement of a Loan in

the Workflow chain and give their opinions?

Y

91

Is there an alert system in your software for events

relating to legal acts?

Y

92

Can this alert system be interfaced with the e-mail system

of the Bank for automatic sending of e-mail alerts?

Y

93

Can Loan event alerts (disbursement, regular, full or

projected repayments, unpaid Loans, provisions,

restructuring requests, rescheduling requests, etc.) feed

the Legal management module with notice to Bank’s

Legal Department?

Y

94

Does your software allow to manage escrow accounts

(amount to be constituted, amount constituted,

management of bank statements received, resort to

agent banks, etc.)?

Y

95

Does your software allow to track litigation files on

overdue Loans?

Y

96

Can your software enable Legal Department gets alerts of

deadlines of important events (hearing, etc.) relating to

litigations files?

Y

97

Does your software allow to manage judiciary auxiliaries

matters?

Y

98

Mention other legal events for which alerts are

programmed in your software?

N


55

Resources and their applicationResources and their applicationResources and their applicationResources and their application

99

Can your software manage resources collections,

allocations and placements?

Y

100

Does your software track resources and their

application?

Y

101

Can your software calculate the outstanding amounts of

overdue loans allocated on a specific resources?

Y

102

Can your software calculate the ratio of recovery of

overdue loans on specific resources?

Y

103

Can your software calculate the amount of commitments

written off as loss on specific resources?

Y

104

Can your software calculate the pending amount of

outstanding receivables on resources?

Y

105

Can your software calculate the overdue debt ratio on

resources?

Y

106

Can your software calculate the repayment rate for

overdue receivables on resources?

Y

107

Can your software calculate the recovery rate of overdue

receivables on resources?

Y

108

Can your software calculate the rate of loss on specific

resources?

Y

109 Can your software draw up the following statements :

Y

110 Bank’s commitments matched to specific

resource? Y

111 The total commitments of the Bank, per type

of commitment, backed by a given resource? Y

112

The total commitments of the Bank, per type

of commitment, per sector, backed by a given

resource?

Y

113


of commitment, matched to specific resource?

Y

114


of commitment, per sector, matched to

specific resource?

Y

115

The total commitments of the Bank matched

to a specific resource?

Y

* The Bidder may add to the table a description of the

functions not specifically mentioned in the present terms of

reference but which he deems useful in view of the needs of

EBID.


55

Foreign exchange management

1 Is your software multi-currency?

Y

2 Can it handle any currency?

Y

3

Can your software be interfaced with the IMF platform for

automatic currency rate displays and conversions?

Y

4

Does your software allow to manage the same Loan in

multiple currencies?

Y

Management of Equity participations

1

Can your software manage the equity investments made by

the Bank?

N

2 Can your software draw up the following statements: N

3 Equity holdings over a given period?

N

4 Equity holdings per customer over a given period?

N

5 Equity holdings per sector over a given period?

N

Risks Management

1 Can your software present the risk situation on a client? Y

2

Does your software allow to rate countries (appraise country

risk)?

Y

3 Does your software allow to rate companies?

Y

4 Does your software allow to do risk sensitivity tests with

different interest rates? Y

Indicators of the Bank‘s portfolio quality

1 Can your software edit the following statements:

Y

2

Portfolio statement of classified risk

commitments?

Y

3

Portfolio statement of commitments classified at

risk, per type of commitment?

Y

4 Risk Commitment portfolio per sector of activity?

Y

5

Portfolio commitments ranked as risk, per

customer type (company, country)?

Y

6

Portfolio status of commitments ranked as risk,

per customer?

Y

7 Situation of debts and of claims?

Y

8 Can your software calculate the total debts outstanding?

Y

9 Can your software calculate the loan repayment rate?

Y


55

10

Can your software calculate the loan repayment rate, per

sector of economic activity?

Y

11

Can your software calculate the loan repayment rate, per

country?

Y

12


receivables over a period of time?

Y

13


receivables over a given period, per sector of economic

activity?

Y

14

Can your software calculate the recovery rate for overdue

accounts over a given period, per country?

Y

15 Can your software calculate the rate of provisioning for bad

debt? Y

16 Can your software calculate the loan loss rate?

Y

17 Can your software calculate return on the portfolio?

Y

Treasury Management

1 Does your software enable to manage the cash flow tables?

Y

2 Does your software interface with the financial markets?

Y

3 Does your software calculate the liquidity ratio?

Y

4 Does your software handle currency exchange rates?

Y

Ratios Management

1 Does your software calculate the Basel 1 ratios?

Y


Y


Y

4 Returns on Equity?

Y

5 Returns on Assets?

Y

6 Ratio of capitalisation?

Y

7 Operational self-sufficiency?

Y

8 Operating coefficient?

Y

9 Profit margin?

Y

10 Operational self-sufficiency?

Y

11 Interest rate gap?

Y

12 Other ratios

N


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System workflow features

1 Is there a collaboration chain in your software (Workflow)?

Y

2 Describe your software workflow?

Y

3

Describe how content is processed or routed in the

collaborative workflow?

Y

4

Describe the review and approval process of the

workflow?

Y

5 Describe how workflows are managed and administered in

your software? Y

6 Is there a graphic designed workflow configuration tool?

Y

7

Is this Workflow available for some modules or for all

modules in your software?

Where it is available only for some modules, then state

them?

Y

8

In the case where the workflow in your software is

implemented for all modules, is it totally integrated and

transparently to the user?

Y

9

Does your software allow all authorised users to interact in

a process initiated in the Workflow regardless of the

module used if so required?

Y

10

Can you set the Workflow in your software, depending on

the users and the business rules?

Y

11

Do the settings of the Workflow include the settings for

triggers, job routings, role reassignments based on worker

availability, deadlines for executing allocated tasks,

Notifications, etc. ?

Y

12

Do the settings of the Workflow include the settings based

on trigger routing?

Y

13


on job routings?

Y

14


on role reassignments based on worker availability?

Y

15


on deadlines for executing allocated tasks?

Y

16 Do the settings of the Workflow include the settings based

on Notifications? Y


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17

Does your software allow to define an ad-hoc (temporal)

Workflow just for a very specific and limited need?

Y

18

Does the workflow of your software monitor (follow) the

actions performed in a process in relation to the

stakeholders, their approvals, the duration of their

processing and the time of their validation?

Y

19

After a one-step approval, does the Workflow of your

software send Notifications to the system and / or e-mail

system?

Y

20

Can the setting of the workflow of your software make it

possible to know who does what, when and how?

Y

User and Security

1

Does your software monitor access to data based on the

roles and responsibilities of each user (creation, review,

validation, approval, etc.)?

Y

2

Does your software monitor access to configuration or

administration based on the roles and responsibilities of

each user?

Y

3

Is user management in you software integrated with the

Active Directory system?

Y

4

Is the connection to your software made by password?

• Is characters password accepted?

• Is fingerprint accepted?

• Is chip card accepted?

N

5

What is the characters password policy implemented in

your software:

• At what level does encryption take place?

• What is the minimum length of the password?

• Is there a mandatory renewal time for the

password? If yes, specify?

• Is there a delay in automatic disconnection of the

user in case of inactivity of the user?

Y

6

What is the user credential policy in your software?

Describe

Y

7 Can user profiles be created in the system?

Y

8

Does your software allow to set dual user controls for

certain functions?

Y

9 Does the product interact with third party software?

N

10

Does the software have an interactive portal open to the

outside world?

N

11

What are the security mechanisms on the interfaces of

your software open to external partners (customers, banks,

etc.)?

Y


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12

Describe the security system in case your software can be

used in Cloud mode?

Y

13

Does an unsuccessful attempt to connect to your software

cause the account to be locked?

Y

Digital documents and Archive Management

1

How are archives managed in the system:

�� Is this a software function?

�� Is this a database function?

�� Is it a backup function to restore when needed?

Y

2

For data already archived, how can one retrieve them in

case of need:

�� Is this a software function?

�� Is this a database function?

�� Is it by restoration in case of need?

Y

3

Does your software allow to scan documents and link them

to files being processed in the system?

Y

4

Does your software allow to put note on the documents

used in the system?

Y

5

Can your software identify confidential documents and

make them accessible only to those who are authorised to

do so?

Y

6

Can document archiving be set up in your software

according to the standard deadlines for archiving

documents in financial institutions?

Y

Management of Audit Tools

1 Does your software have an OS-level Auditing tool?

Y

2 Does your software have a Database Audit tool?

Y

3 Does your software have an applications Audit tool?

Y

4

Does an Audit trail allow to trace all the actions performed

by each user in your software?

Y

5

Does your software allow to monitor and audit the input

data, validations, and permissions across all executed

processes?

Y

6

Does an Audit trail allow to trace all the actions performed

at the database level in the event of a direct connection to

the database?

Y

7 How long are the Audit trail files kept?

Y

8 What key information are contained in the audit trail files? Y


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9

Is the history of data modifications also saved?

For how long ?

Y

Technical environment of your software

ServersServersServersServers

1

On which Operating Systems (OS) your system can be run?

If multiple Operating Systems can run your software,

specify.

In that case, indicate the best OS for your software and

explain why (benchmarks)

2

Which Database management system your software is

running?

If multiple Databases can run your software, specify.

In that case, indicate the best Databases for your software

and explain why (benchmarks)

3

On which application or Web server your software is

running?

4

Are other specific software necessary for optimal (full

access to the wide range of features) use of the software?

The client WorkstationThe client WorkstationThe client WorkstationThe client Workstation

5 Which operating system does the client require?

6

Which web browsers are compatible for the clients in

totally satisfactory working conditions?

7

Are other specific software necessary for optimal (full

access to the wide range of features) use of the software

by clients?

ConnectivityConnectivityConnectivityConnectivity

8

What connection infrastructure can be used to connect

remotely to your software?

Y

9

What is the minimum bandwidth to work in remote access

on your software in a totally satisfactory way?

Y

10 Can your software be used in Cloud?

N

11 Can your software be used in Cloud in SaS mode? N


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Software Languages

1

Specify the languages in which your software can be used?

• in installation

• in configuration

• when in use

Y

2

At which level the language change is activated:

• Users level?

• Administrative level?

3

When a user changes the language interface of your

software, do all the administration and user interfaces

change in the new language?

Y

4

Can your software allow multiple users to work in multiple

language at the same time (French and English)?

Y

Interfacing

1 Can the software be interfaced with other products?

Y

2

What are the modules of your software that interfaces

with other software in INPUTINPUTINPUTINPUT?

Y

3

What interfacing tools does your software offer when

importing data?

Y

4

What are the modules of your software that interface with

other software in EXPORTEXPORTEXPORTEXPORT?

Y

5

What interfacing tools does your software offer when

exporting data?

Y

6

Describe how these integrations are done and how your

software stands out as a modular platform?

Y

7 Describe the possible APIs used?

Y

8

Does the software integrate an Enterprise content

management system?

If yes, which?

Y

9

Does the software interface with Microsoft Office tools?

If yes, which?

Y

10

Does your software incorporate special ETL tools (Extract,

Transform and Load)?

Y

11

For each import interface tool, what formats are

supported?

Y


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12 For each export interface tool, which formats are

supported? Y

13

Is your software interfaced with the SWIFTSWIFTSWIFTSWIFT international

system?

Y

Applications Security / Backup / Restore

1 What feature does your software have for data security?

Y

2

What features does your software have for application

security?

Y

3

In the security procedures of your software, is there a

backup of the data from the application (backup utility)?

Y

4

In the security procedures of your software, is there a

database backup specifying the data to be backed up)?

Y

New technologies

1 What new technologies are embedded in your software?

Y

2 What new devices do your software support?

Y

3

What security systems or technics are embedded in your

software to ensure its safe use by these new devices?

Y

Reporting

1

Do you have an editing tool in the proposed software?

If so, briefly describe this tool?

Y

2

Can this tool be used at the user level?

• if sosososo, how, via a menu?

•

• if notnotnotnot, at what level is it usable:

�� experienced user?

�� programming technician?

3

Does your software allow reports customization, designing

and drawing up of new reports?

Y

4

Can your software draw up the status of a client's overall

financial situation?

Y

* The Bidder may add any statements he deems useful in view

of the needs expressed by EBID.


55


55

Form E – Qualification and experience of the Project Team

QUALIFICATION AND EXPERIENCE OF THE BIDDER’S PROJECT TEAM

11 Full names of staff 1?

12 Date of birth?

13

Position and role in the project

• on site?

• Full time / Part time?

14 Number of years of experience with the

Bidder?

15 Academic qualification?

16 Degrees, certificates and professional

attestations?

17

Specify languages in which staff could

easily communicate with the Bank

within the scope of the project?

18 Relevant experience on similar

important projects

18.a

• Project description 1

• Name of Bank or Institution

• Version of the product

concerned

• Number of users

• Position occupied

• Project duration

• Relevant experience relating to

his role in the EBID project

• Other projects

18.b




concerned

• Number of users





• Other projects

18.c • Project description 3



55


concerned

• Number of users





• Other projects

18.d




concerned

• Number of users





• Other projects

etc. Indicate if there are other important

projects

21 Name of staff 2?

22 Date of birth?

23

Position and role in the project

• on site?

• Full time / Part time?

24 Number of years of experience with the

Bidder?

25 Academic qualification?

26 Degrees, certificates and professional

attestations?

27

Indicate the languages in which staff

could easily communicate with the

Bank within the scope of the project?

28 Relevant experience on similar

important projects

28.a

• Project Description 1



concerned

• Number of users




55



• Other projects

28.b




concerned

• Number of users





• Other projects

28.c

• Project Description 3



concerned

• Number of users





• Other projects

28.d




concerned

• Number of users





• Other projects

etc. Indicate if there are other important

projects

31 Staff 3

etc.

32

33

etc. N Staff digit

N Project accomplished digit


55

Form F – Methodology and plan

The integrating Software Developer or Integrator shall propose to EBID the

arrangements he intends to make to ensure the project success and perfectly

integrate the implemented software in the organisation of the information system of

the Bank, and a successful appropriation by the Bank as a whole.

METHODOLOGY AND IMPLEMENTATION PLAN

PROJECT STAGES DEADLINE AND RESOURCES REQUIRED FROM EBID

1 Project commencement

2

Study and analysis of the project

needs and functions (business

process analysis)

3

Software design, gap analysis in

relation to the needs of EBID and

proposals

4

Installations and technical

configuration

• Systems,

• Database,

• CBS

• etc.

5

Functional configuration of the

proposed software to cover the

needs expressed by EBID

6

Test Scenarios (System,

Integration and Performance)

and Functional User Acceptance

Tests (UAT)

7 Migration of data

8

Quality formula (validation of

functions) and general test runs

9 Getting Started

10

How do you plan to conduct

acceptance tests of change

management induced by the

project?


55

Include project management and implementation plans, sketches, diagrams, sample

documents, and any other relevant documents that can show further details of your

technical offer.


55

Form G – Operating systems (OS), basic software, database management systems, utilities, etc.

OPERATING SYSTEMS

BASIC SOFTWARE

DATABASE MANAGEMENT SYSTEMS

UTILITIES

PRODUCT

DESCRIPTION

NAME OF

MANUFACTURER

OR TRADE MARK

PROPOSED

VERSION

OTHER

TECHNICAL

SPECIFICATIONS

NUMBER OF

LICENCES

NECESSARY

SUPPORTED OPERATING SYSTEMS FOR SERVERS (OS)

1

2

3

4

SUPPORTED OPERATING SYSTEMS FOR CLIENTS (OS for users)

1

2

BASIC SOFTWARE (Virtualisation System, other OS Environment Managements

software)

1

2

3

4

DATABASE MANAGEMENT SYSTEMS

1

2

3

4

UTILITIES AND OTHER NECESSARY SOFTWARE

1

2

3

4


55

Form H – Support and maintenance services after project launch

Consisting of two (2) Forms :

� H1: relating to support services (technical assistance to installations,

configuration and use, etc.) and,

� H2: relating to applicative maintenance.

H1 SUPPORT SERVICES AFTER PROJECT LAUNCH

Support services after project implementation

1

Brief description of the

support service offered?

2

Address of the support

centre:

• Country ?

• Cities ?

• Address ?

• Telephone ?

• E-mail address?

3

Specify availability times

of your technical support?

4

Indicate your usual means

of assistance:

• Telephone ?

• E-mail address?

• Online help?

• Remote access to

the system?

• On-site navigation?

For every medium (means

of assistance or support),

briefly describe each of

them.

5

In case of incidents

blockage, how do you

proceed?


55

6

In case of need of

assistance on site, how

soon can you be at EBID’s

Head Office?

7

Do you have local support

(Local Representation)

bear to EBID ?

Continuous training

8

Details of continuous

training after the Go-live

of installation?

9 Training location?

10

Technical means of

training?

11 Training documentations?

Support languages

12

Specify the languages in

which your support is

available?

H2 SOFTWARE MAINTENANCE AFTER PROJECT LAUNCH

For the software platform to be provided

1

What is the guarantee period for

the correct functioning of the

system components after

installation :

• OS?

• Database?

• Utilities?

• Other tools?

• Applications?

Describe the guarantee model

after implementation?

2

Brief description of the

application support offered?

3 Support Centre Address:

• Country?


55

• Cities ?

• Address ?

• Telephone ?

• E-mail address ?

4

Describe how you intend to

manage the following aspects

during the sofware

maintenance period:

• Software maintenance?

• Improvements and other

software modifications?

• Correction settings or for

new requirements?

• Platform updates?

• Platform bug?

Specify the means used each

time?

5

Do you have specific

developments (part of the

software that wasn’t in the

original design but added as a

peculiar process)?

If not, can specific

developments be integrated

into your application software?

6

Managing Software Versions:

• Minor version

Frequency?

• Major Release

Frequency?

Describe the versions change-over policy


55

7

Specify the upgrades of your software that are not taken into account in this maintenance service?


55

Form I – Training programmes and transfer of technical skills

I1 TRAINING PROGRAMMES, TRAINERS AND PROFILE OF PARTICIPANTS

DESCRIPTION OF

TRAINING DURATION PROFILE OF PARTICIPANT

1

Operating System :

• Summarise the training

objectives:

… … …

• Name of Trainer :

… … …

• Profile of the Trainer shall

be clearly stated in Form E,

specifying his role as

Trainer.

• Background (Basic skills) ?

• Necessary training

prerequisites?

2

Tools and others :


objectives:

… … …

• Name of Trainer:

… … …




Trainer.



prerequisites?

3

Database Management

systems:


objectives:

… … …

• Name of Trainer:

… … …




Trainer.



prerequisites?


55

4

Application (CBS)

management-

Installations, Upgrades,

Configurations, Error

Management (bugs),

etc. :


objectives :

… … …


… … …




Trainer.



prerequisites?

5

Users Management :


objectives

… … …


… … …




Trainer.



prerequisites?

6

Application Security

Management (CBS) :


objectives

… … …


… … …




Trainer.



prerequisites?

7

Using the application for

banking operations (To

be done for each module

or function) :


objectives

… … …



prerequisites?


55


… … …




Trainer.

8

Managing backups and

application

restorations:


objectives

… … …


… … …




Trainer.



prerequisites?

9

Using CBS decision

making tools:


objectives

… … …


… … …




Trainer.



prerequisites?


55

I2 TRANSFER OF TECHNICAL SKILLS

SUBJECT RESPONSE

Do you have tools for appraising the

training given, to ensure its effectiveness?

Describe?

Do you have a certification programme for

your products?

If so which ones?

Do you have a Training University for your

products and technologies?

If so, give the address of your University

(ies)?


55

Form J – Documentations to be provided within the project scope

The Bidder will specify here all the documentations to be made available to EBID.

THE DELIVERABLES TO BE MADE AVAILABLE TO EBID DURING THE PROJECT

IMPLEMENTATION

PROJECT STAGES LIST OF DELIVARABLES TO BE PROVIDED

1

For the study, analysis of the

needs and functions of the

project area (business process) -

Software design, gap analysis

and proposals. -

2

Technical configuration

• administration,

• maintenance,

• etc.

•

3

Functional configuration

4

Test Scenarios and User

Acceptance Tests (UAT)

5

Quality control formula

(functions validation)

6

Go-Live

7

Specify the documents you plan

for the following courses:

• Administrations (technical

configuration)

• Settings

• Using the software


55

XXIV-5. Annex 05: Financial bid Forms

Schedule 1 – Summary of total project expenditure

SUMMARY OF TOTAL PROJECT COSTS

INVOICES AMOUNT COMMENTS

1

Costs of licenses directly

related to the proposed

integrated banking software

(CBS) environment.

2

Expenditure of licenses for

the technical environment

management.

3

Costs of all services during the

entire project implementation

period (from the first study to

the change management)

4

Annual Costs for Maintenance

services

5

Transportation costs, hotels,

per diems, telephone, travels,

etc.

6 All other costs

Total costs:

Project total costs in words :


55

Schedule 2 – Expenditure of all licences directly related to the proposed integrated banking software

COSTS OF ALL LICENCES FOR THE INTEGRATED BANKING SOFTWARE


1

Cost of licenses for the

proposed integrated

banking software

(CBS):

• Module 1

• Module 2

• Module 3

• Module 4

• etc.

All licenses relating

directly to the CBS only

and necessary for

operating all the modules

proposed to EBID.

Total amount:

In case of modification of the licensing costs over the years, you are to provide a table

of licensing costs over the next five (5) years.

Cost of all licences

related directly to the

CBS application

environment in words :


55

Schedule 3 – Expenditure of licenses for the technical environment management

DETAILED COSTS OF ALL NECESSARY LICENCES FOR MANAGING THE

TECHNICAL ENVIRONMENT REQUIRED FOR THE SOFTWARE


1

Expenditure costs of

licenses for the technical

environment

management:

• Servers

• Operating Systems

(OS)

• Other necessary

system software

• Database system

• Tools :

* Tool 1

* Tool 2

* Tool 3

* etc.

Total Amount:

In case of modification of the licensing costs over the years, you are to provide a table

of licensing costs over the next five (5) years.

Costs of licenses for the

technical environment

management in words :


55

Schedule 4 – Expenditure of all the services during the entire project implementation period

DETAILED COSTS OF PROVISION OF SERVICES


1

Costs of all the services

during the entire project

implementation period

(from analysis to the

system Go-live, training,

transfer of technical skills,

change management,

etc.)

• Step 1

• Step 2

• Step 3

• etc.

Indicate your

implementation steps

and the costs

Total Amount:

Cost of the overall

implementation services

(from analysis to the

system Go-live, training,

transfer of technical skills,

change management,

etc.) in words:


55

Schedule 5 – Annual expenditure of support and software maintenance services

DETAILED ANNUAL COSTS OF SUPPORT AND SOFTWARE MAINTENANCE

SERVICES


1

Annual costs for

Technical Assistance

Support (Provide the

breakdown)

2

Annual costs for the

maintenance of your

integrated banking

software (CBS Upgrades,

CBS new versions, etc.)

3

Annual expenditure for

the Maintenance of

other Software

(including different

tools) necessary to run

the CBS for its best

(Upgrades, new versions,

etc.)

In case of modification in the support costs or application maintenance services over

the years, please provide a table of these costs over the next five (5) years.

Annual expenditure of the

support and software

maintenance of all licensed

Software (including different

tools) necessary to run the

CBS for its best (Upgrades,

new versions, etc.) in words:


55

Schedule 6 – Expenditure of transportation, hotels, per diems, telephone, etc.

COSTS OF TRANSPORTATION, HOTELS, PER DIEMS, TELPHONES, TRAVELS,

ETC.


1

Costs for transportation

hotels, per diems,

telephone, travels, etc.

(Provide the breakdown)

Total Amount:

Please, include all fees.

Costs for transportation

hotels, per diems,

telephone, travels, etc.,

in words


55

Schedule 7 – Expenditure for continuous training and consultations

COSTS FOR CONTINUOUS TRAINING AND CONSULTATIONS


1

Costs for continuous

training :

• in your training centres

• internally at EBID

2

Costs for your

consultations after project

closing:

• Costing method (daily,

flat rate per type of

intervention, etc.)

• Costs


55

Schedule 8 – Other expenditure

ALL OTHER COSTS TO BE BORNE BY EBID


1

Specify all other costs not

explicitly mentioned in

these terms of reference

Here the bidder shall

indicate to EBID all the

prices of all products or

services, not explicitly

mentioned in these

current Terms of

References, but

necessary for the project

implementation and the

successful Go-live.

(Provide full breakdown)

Total Amount:

All other costs not

explicitly mentioned in

these terms of reference

in words:


55

XXIV-6. Annex 06 : Digital support media

• two (02) digital copies of the technical bid, including one (01) copy on

Flash drive (USB key) and one (01) other copy on CD.

• two (02) digital copies of the financial bid, including one (01) copy on

Flash drive (USB key) and one (01) other copy on CD.

These digital copies of the file shall be sealed before being placed in their

respective envelopes.


55

Descriptions Table

Software Developer or Integrator

A company which is specialized in

software designing, programming,

commercialization and

implementation.

Tools

Any software, application, runtime,

program, script, etc., to be run at the

Operating System level, Database

management system level,

application level, or any other level

which is necessary in the environment

of your solution.