Oracle Banking Solution

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    Banking Solutions

    Presenters Name:

    Presenters Title:

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    The following is intended to outline our general

    product direction. It is intended for information

    purposes only, and may not be incorporated into

    any contract. It is not a commitment to deliver any

    material, code, or functionality, and should not be

    relied upon in making purchasing decision. The

    development, release, and timing of any features

    or functionality described for Oracles products

    remains at the sole discretion of Oracle.

    Safe Harbor Statement

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    Agenda

    Leadership in Banking

    Innovation in Industry Solutions

    Results Achieved by Oracle Customers

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    23 of the top 25 North American banks

    use Oracle Applications to run their business

    15 of the top 20 global banks use Oracle Apps

    to measure and manage their performance

    10 of the top 10 global banks use Oracle Apps

    to run their business

    Oracle in BankingDid You Know?

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    Grow Business and Cross-Sell to Customers:How can I streamline my business processes to grow wallet shareand shorten time to market for new products and services?

    The average cost to acquire a new customer is $3,500 in the US.American Bankers Association

    !

    Compliance & Regulatory Pressures:How can my organization meet the increasing regulatorycompliance demands?

    IT spend on compliance will grow annually at 14.1% and reach $3.0 billion by 2006.The Info Shop

    !

    Scale Costs to Match Market Opportunity:How can I improve cost efficiency ratios while providing greatervalue to our customers?

    In the near to intermediate term, the industry is expected to continue to experience pressures onits net interest margin. AM Best

    !

    The Challenges Were Hearing

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    Industry Quotes

    Oracle has been kicking its game into high gear. With 22acquisitions in 24 months, the longtime database kingpin and

    middleware applications player has gorged on new products andcapabilities The buying binge also have served to reinforce thecompany's commitment to amassing deep expertise in financialservices-something not lost on clients in that industry.

    Oracles Siebel purchase should drive more value for customersthrough integrated business management applications, anddeliver existing Oracle customers wi th more sophisticated CRMfunctionality.

    In acquiring a majority stake in i-flex solutions, Oracle announcedits arrival on the world stage of vertical banking technology.

    Oracles acquisitions of PeopleSoft and Siebel give it a more

    signi ficant footprint in business intelligence (BI), analyticapplications, and performance management.

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    Agenda

    Leadership in Banking

    Innovation in Industry Solutions

    Results Achieved by Oracle Customers

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    Oracle Banking SolutionsNext Generation Software That Helps Banks Effectively Grow Their

    Business and Optimize Performance From the Front to the Back-Office

    Evolve a Business Process DrivenEnterprise Archi tecture

    Enable Flexibility to be Responsiveto Market Needs

    Embed an Intelligent Compliance &

    Risk Mgmt Framework and PerformanceMeasurement within the Business

    Innovate for Operational Effectiveness

    Develop Customer-Centric Processes

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    Requirement Oracle Capability The Oracle Difference

    Deliver multi-channelcampaign and offer mgmt

    Closed-LoopMarketing for Banking

    Only complete offer andcampaign mgmt solution withbuil t in analytics to measureand refine marketing programs

    Only end-to-endperformance & profitabilityanalytics in context of

    customer interactions

    Drive intelligentcustomer interactions

    Pre-Built CustomerAnalyt ics for Banking

    Show a complete view ofcustomer to customer agent

    360 Degree CustomerView throughIntegrated BankingSales and Service

    Only multi-channel sales,service, mktg & transactionsolution pre-integrated withcore-banking

    Provide a single source oftruth for customer data

    Universal CustomerMaster for Banking

    Only complete repository fordata across the enterpriseaccessible by a hub andspoke model

    Create a Customer-Centric Enterprise

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    ServiceServiceManagementManagement

    Real-time balances

    Account details &transaction history

    Contact andopportunity mgmt

    Interaction history

    Opening /Opening /FulfillmentFulfillment

    GuidedGuidedSellingSelling

    Single ViewSingle Viewof Customerof Customer

    Cross-sell / up-sell

    Sales offers Needs analysis

    Product catalog

    Product features /benefits

    Multi-product

    application processes Data capture

    Document fulfillment

    Account funding

    Financial transaction

    support Common service

    issue management

    Web ServicesAgent Desktop Core Systems

    Example: 360 Degree Customer View throughIntegrated Banking Sales and ServiceShow a Complete View of Customer to Customer Agent

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    SOLUTIONS Standardize front office application cockpit Set up and implement new business processes Provide continuity, stability, simplicity and cohesion

    CHALLENGES / OPPORTUNITIES

    Improve multi-channel customer service Link the call center, the internet & local branches Reduce time to market for new products Increase focus on individual customer

    CUSTOMER PERSPECTIVE

    The single, complete view of the

    customer and prospects means we arenow able to track and trace leadmanagement from start to end.

    Tonnie van der HorstProgram Manager

    RESULTS

    Sales / banker / day increased 45%

    Cross-selling up 1% a month

    All 300 community banks use one frontoffice system

    Rolled out to all users in 18 months

    Client data, client contact information,lead and sales information isconsistent across the bank

    Lead-management process andmanagement control successful

    Can now measure results andreward performance

    COMPANY OVERVIEW

    Largest and most dense network in theNetherlands consisting of 2,942 contact points

    7 MM customers 1200 branches Full range of banking services

    Rabobank

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    Oracle Banking SolutionsNext Generation Software That Helps Banks Effectively Grow Their

    Business and Optimize Performance From the Front to the Back-Office

    Evolve a Business Process DrivenEnterprise Archi tecture

    Enable Flexibility to be Responsiveto Market Needs

    Embed an Intelligent Compliance &

    Risk Mgmt Framework and PerformanceMeasurement within the Business

    Innovate for Operational Effectiveness

    Develop Customer-Centric Processes

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    Requirement Oracle Capability The Oracle Difference

    Support stand alonelending & leasing solutions Daybreak andOracle Lease Mgmt

    Only integrated front-to-back

    solutions for consumerfinance & commercial leasing

    Largest repository of

    extensible and executablebanking processes providingincreased flexibil ity

    Provide processdriven solutions

    i-flex Process

    Framework forBanking

    Transforming core-bankingprocesses

    Only open standards corebanking solution enabling

    new products, relationshippricing & consolidation ofexisting systems

    FLEXCUBE for

    Retail & CorporateBanking

    Enable Flexibility to be Responsive to Market Needs

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    Example: FLEXCUBE for Retail & Corporate BankingTransform Core-Banking

    WealthWealthManagementManagement

    All consumerbanking products

    Quick productdefinition

    Single view ofcustomer

    CommercialCommercialLendingLendingRetailRetail

    BankingBanking

    Consumer lending

    Corporate lending

    Origination tocollection

    Trade finance

    Payments

    Cash management

    Treasury

    Departmental orbank-in-a-box solution

    Mutual funds

    Asset managers

    Transfer agencies

    Online brokerage

    Retail

    Lending

    Commercial

    Wealth Management

    UNIVERSAL BANKING

    SOLUTION

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    SOLUTIONS

    i-flexs FLEXCUBE Oracles Siebel CRM & Teller Oracle ERP for Procurement and HR Oracle BI for Sales & Campaign Analytics

    CHALLENGES / OPPORTUNITIES

    Consistently manage client relationshipsacross channels

    Transform entire bank processes Deliver lower operating costs, improved customerservice and new up sell & cross-sell opportunities

    CUSTOMER PERSPECTIVE

    Oracle is a strategic partner enabling thetransformation at Banco de Chile. The bankis better able to meet its customersdemands by deploying new products to

    market faster.Ruben FariasVice President of Development

    RESULTS

    Improved sales (23% YOY growth) Improved sales quality and efficiency

    Volume increase (1.3mm customers)

    Automation of sales & credit processes

    Responding quicker to customer care claims

    Control over finance & accounting processes

    Automation of and control over managementand HR processes

    COMPANY OVERVIEW

    Largest Chilean owned bank Merger of Banco Chile and Banco Edwards 9,500+ employees, 1,300+ ATM, 260+ branches $18 billion assets, 660K credit cards,

    400K checking accounts

    Banco de Chile Improves Sales

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    Oracle Banking SolutionsNext Generation Software That Helps Banks Effectively Grow Their

    Business and Optimize Performance From the Front to the Back-Office

    Evolve a Business Process DrivenEnterprise Archi tecture

    Enable Flexibility to be Responsiveto Market Needs

    Embed an Intelligent Compliance &

    Risk Mgmt Framework and PerformanceMeasurement within the Business

    Innovate for Operational Effectiveness

    Develop Customer-Centric Processes

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    Requirement Oracle Capability The Oracle Difference

    Provide a foundation forregulatory compliance

    EnterpriseCompliance Appsfor Financial Services

    Only functionally completecompliance mgmt solutionavailable on an enterprisecompliance infrastructure

    Only ful ly scalable solution tocompute individual customerprofi tability deliverable to thefront-office

    Deliver actionablecustomer & productprofitability insight

    Customer & ProductProfi tability Engine(EPM, OFSA)

    Manage credit , marketand operations risk

    Most complete end-to-endrisk management solutionextending into businessoperations and AML

    Enterprise RiskMgmt Platform(Reveleus, Mantas)for Banking

    Embed an Intell igent Compliance andRisk Management Framework

    and Performance Measurement within the Business

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    Example: Enterprise Compliance Application forFinancial Services

    Manage Credit, Market, and Operations Risk

    Analyt icsServer

    BIDashboards

    Analyt icEngines

    Databases

    Data Warehouse

    VisionaryVisionary

    Basel II compliance

    Reporting platform Consolidated data

    repository

    Embedded internalcontrols

    FinancialFinancialTransformationTransformation

    ProfitabilityProfitabilityManagementManagement

    Risk &Risk &ComplianceCompliance

    Complete profitabilitysuite

    Integrated with riskand finance solutions

    Multi-dimensionalprofitability

    Next generationaccounting rulesengine

    Fully integrated withOracle GL

    RAPM enabled suite

    Foundation ofEnterprise RiskManagement suite

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    SOLUTIONS

    Reveleus Basel II PeopleSoft Enterprise Financial Mgmt PeopleSoft Enterprise Performance Management

    CHALLENGES / OPPORTUNITIES

    Needed a mature solution which would allow thebank to comply with Basel II Accord, whilesupplementing its economic capital mgmt process

    Wanted not only a Basel II solution but also acredit analytics toolAllow for iterative capital compliance analysis

    with production-ready solution

    CUSTOMER PERSPECTIVE

    The abili ty to execute is a critical successfactor in any systems implementation, buteven more so given the timeline for

    implementation of Basel II. The partnershipbetween i-flex and Oracle was important tous. Weve had a long relationship withOracle, and we knew that Oracle wouldstand behind Reveleus.

    Nick Deshpande

    Head of Corporate Project Office

    RESULTS

    Credit analytic capabilities will be available

    in the spring of 2007 Full production of Basel II in January 2008

    COMPANY OVERVIEW

    Headquartered in San Francisco, California Sixth largest bank holding company in the US Employees: 153,500

    Assets worth $482 billion

    Wells Fargo Achieves Basel II Compliance

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    Oracle Banking SolutionsNext Generation Software That Helps Banks Effectively Grow Their

    Business and Optimize Performance From the Front to the Back-Office

    Evolve a Business Process DrivenEnterprise Archi tecture

    Enable Flexibility to be Responsiveto Market Needs

    Embed an Intelligent Compliance &

    Risk Mgmt Framework and PerformanceMeasurement within the Business

    Innovate for Operational Effectiveness

    Develop Customer-Centric Processes

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    Requirement Oracle Capability The Oracle Difference

    Manage projects moreefficiently & effectively

    Robust Enterprise ProjectPortfolio Management

    Most fully integrated projects,procurement and financialssuites designed for FSI

    Only applications designedfor FSI based on the worldsleading HCM and talent

    management solut ion

    Fully utilize employeesas key company assets

    ComprehensiveRecruitment to RetirementProcess Designed for FSI

    Reduce operational riskwith comprehensivefinancial mgmt solutions

    Worlds leading financialssolution for FSI withmulti-GAAP, IFRS &multi-book code processing

    End-to-End Financial Mgmtand Consolidations SuiteDesigned for FSI

    Transform corporateprocurement function

    Complete IntegratedProcurement Solutions forGoods & Services wi thStrategic Sourcing Capabilities

    Most comprehensive spendmanagement applicationsdeployed on-site or hosted

    Innovate for Operational Effectiveness

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    Example: End-To-End Financial Management andConsolidations Suite Designed for FSI

    Reduce Operational Risk with Comprehensive Financial Mgmt Solutions

    AssetAssetManagementManagement

    Automate financial

    processingAccount for multiple,

    heterogeneoussources

    Enhance internalcontrols & auditability

    Procure to PayProcure to PayAnalyt icsAnalyt icsFinancialFinancialControlControl

    & Reporting& Report ing

    Align operations with

    corporate strategy Manage risk

    proactively

    Collaborate acrossthe enterprise

    Reduce spend on

    goods and services Streamline

    procurement

    Enforce policycompliance

    Improve asset

    visibility, tracking,and control

    Optimize assetportfolio mgmt

    SubledgerAccounting

    SubledgerAccounting

    r r

    GeneralLedger ReceivablesReceivables PayablesPayables

    ManualEntry

    OpenInterfaces

    / API

    Excel(Web ADI)

    SubledgerInvoices &

    Documents

    OnlineReconciliation

    Reporting

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    SOLUTIONS

    Oracle systems enabled Westpac to have aconsolidated view of the business

    Enabled substantial efficiencies in work practices

    CHALLENGES / OPPORTUNITIES

    Adopt International Accounting Standards (IAS) by2005 & Australian government plans to strengthenthe financial reporting framework

    Deliver productivity and operational efficiency viamore integrated systems and processes

    Operating 13 different general ledgers, with monthend book closure at 15 days

    CUSTOMER PERSPECTIVE Oracle's approach to business systems,involving consolidation of data andshared service centers assists us inmeeting our corporate governance goals.

    Phil ChronicanChief Financial Officer

    RESULTS

    376% ROI achieved through costreductions & productivity improvements

    Batch processing speed improved by 40%

    Month-end c losure time reduced byover 50%

    13 charts of accounts consolidated intoa single view of the company

    Millions of t ransactions summarizeddown to about one million journal entriesand posted to the ledger daily

    COMPANY OVERVIEWAustralias first bank Founded in Sydney, Australia in 1817 as Bank of

    New South Wales; renamed Westpac in 1982

    Leading provider of banking & financial services inAustralia, New Zealand, and 8 Pacific island nations

    Employees: 26,131 Net profit after tax AU$2,818 million

    Westpac Achieves 376% ROI

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    Oracle Banking SolutionsNext Generation Software That Helps Banks Effectively Grow their

    Business and Optimize Performance From the Front to the Back-Office

    Evolve a Business Process DrivenEnterprise Archi tecture

    Enable Flexibility to be Responsiveto Market Needs

    Embed an Intelligent Compliance &

    Risk Mgmt Framework and PerformanceMeasurement within the Business

    Innovate for Operational Effectiveness

    Develop Customer-Centric Processes

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    Requirement Oracle Capability The Oracle Difference

    Secure client data againstfraud, insider access,phishing & identity theft

    Enterprise Securityand Identity Mgmt

    Only integrated data & identitysolution for operational riskmanagement andregulatory reporting

    Only service-orientedarchitecture with abanking-specific data

    model and process library

    Deliver new bankingservices quickly to existing

    and acquired customers

    Service EnabledProcess Framework

    for Banking

    Make real-time decisionswith know-your-customerdata across all channels

    Onlyfrom data held in existinglegacy

    BI for Retail,Institutional andPrivate Banking

    integrated KPIs & KRIs

    banking systems

    Selectively consolidatelegacy systems onto openstandards platform

    Grid Computing andEnterprise ContentManagement

    Worlds largest and mostreliable database and low-costgrid computing platform

    Evolve a Business Process Driven EnterpriseArchitecture

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    EmployeesIT StaffCompliance

    ApplicationsPartners

    External

    PartnerApps

    Customers

    Internal

    Workflow and OrchestrationWorkflow and Orchestration

    Audit ing andAudi ting andReportingReporting

    Monitoring andMonitoring and ManagementManagement

    Access and Ident ity ManagementAccess and Ident ity Management

    BPO /Help Desk

    Database andDatabase andAudi t VaultAudi t Vault

    Advanced Networks & Data EncryptionAdvanced Networks & Data Encryption

    RecordRecordManagementManagement

    NOS/DirectoriesOS (Unix)

    Systems and Repositories

    MainframeECM

    Corporate Applications

    ERPMulti-Channel Loans HR

    Virtual Private DatabaseVirtual Private Database

    Activity MonitoringActivity MonitoringBusiness IntelligenceBusiness Intelligence

    Provision andmanage access

    IntegrateIntelligence

    and businessworkflowacross solutions

    ContentContentDBDB

    Secure dataand functions

    across networks

    Move from detectionto preventionand integrate

    non-structured data

    UniversalCustomer &

    Product Masters

    Service Enabled Process Framework for BankingDeliver New Banking Services Quickly to Existing and Acquired Customers

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    Banking Reference ArchitectureAgile, Secure and Modern Platform

    Banking Applications Corporate Applications

    RetailRetail PrivatePrivate

    CommercialCommercial InvestmentInvestment

    FinanceFinance HRHR

    RiskRisk OperationsOperations

    Enterprise Services and External Interfaces (SOA)Enterprise Services and External Interfaces (SOA)

    Enterprise Identity and Directory ServicesEnterprise Identity and Directory Services

    Identity and Access

    ProvisionProvision AuthentAuthent AuthorzAuthorz

    Info Sec and Compliance

    DirectoryDirectory EncryptionEncryption

    Product Systems and TransactionsProduct Systems and Transactions

    Master Data

    CustomerCustomer PaymentsPayments

    Org EntitiesOrg Entities InstrumentInstrument

    Infrastructure

    Data ServicesData Services SLA MgmtSLA Mgmt

    Grid/DB MgmtGrid/DB Mgmt MainframeMainframe

    Customer Experience Business Insight

    MultiMulti--Channel Networks and Presentation ServicesChannel Networks and Presentation Services

    Customer InsightCustomer Insight

    Performance and RiskPerformance and Risk

    Operations MgmtOperations Mgmt

    Online / Web 2.0Online / Web 2.0

    Kiosk, ATM, Teller, etcKiosk, ATM, Teller, etc

    Partner InterfacesPartner Interfaces

    Secure data andprocesses to detect and

    prevent attacks

    Identity & Access Mgmt

    LDAP / Virtual Directory

    Virtual DB / Label Secur

    Database & Audit Vault

    Manage all information,including structured and

    unstructured content

    TimesTen In-Memory DB

    Enterprise Content Mgr

    Oracle Database Grid

    Enterprise Manager

    Create multi-clientpresentation servicesand real-time analytics

    Business Intelligence

    Bus. Activity Monitor

    WebCenter Framework

    Portals, Dashboards

    Integrate workflowsacross business andfunctional solutions

    Bus. Process Modeler

    BPEL Process Manager

    Web Services Manager

    J2EE, Bus. Rules & ESB

    Access Process

    DataSecurity

    S

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    Pending customer approval Internal Use Only

    SOLUTIONS

    Oracles BPEL Process Manager

    CHALLENGES / OPPORTUNITIES

    Growing pains as it sought to acquire other regionalbanks and to increase its range of services

    Wanted to bring products to market faster, using a

    rich web interface for its high net worth and internetsavvy clients, allowing them to have real-timeaccess to new offerings

    Required secure system with easy integration withbrokerage partners such as E*Trade

    Acquisitions and existing IT investments required

    a solution that fit in with their heterogeneousback-office systems

    CUSTOMER PERSPECTIVE

    Rapid deployment of new solutions toANZs high net worth clients at a lowercost

    RESULTS

    Wealth Management applicationdelivered in record t ime

    Faster speed-to-market for add-oncustomer services

    Preserved investment in existingWeb Sphere middleware

    Smooth integration with E*Trade foronline brokerage services

    Hot-pluggable architecture for newstandard interfaces

    COMPANY OVERVIEW

    Top 50 bank in the world, with operations andcustomers in Asia, Europe and North America

    Retail, institutional, private bank; leading provider ofwealth mgmt services and online banking and trading

    Employees: 30,000+, Assets: AUD$ 293 billion

    ANZ Delivers New Wealth Mgmt Servicesin Record Time to Private Clients

    O l B ki S l ti S

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    Stay Compliant With Continuously Changing Regulations Understand and Manage Enterprise Risk

    Deliver Actionable Customer & Product Profitability Insight

    Risk, PerformanceRisk, Performance

    & Compliance& Compliance

    Reduce Time-To-Market for New Products and Services

    Support Regulatory Needs More Quickly Integrate Acquired Assets

    Core BankingCore BankingTransformationTransformation

    Deliver Consistent Multi-Channel Customer Experience Increase Share of Customers Wallet Streamline Front-to-Back Office Processes Provide Integrated Sales and Service

    Customer Centr icCustomer Centr ic

    Provide Seamless Integration of Systems Optimize Workforce Management Connect Financials to Better Measure and Monitor Results

    ManageManageCorporate AssetsCorporate Assets

    Accelerate Development of New Services with a OpenStandards Based Banking Platform

    Improve Agility With Capability to Create FlexibleComposite Applications

    Agile, IntelligentAgile, Intelligent& Secure& Secure

    Oracle Banking Solutions Summary

    Oracle i-FlexOracle i-Flex

    O l B ki F t i t

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    Corporate AdministrationCorporate Admin istration

    CustomerAnalytics

    ChannelAnalytics

    MarketingAnalytics

    Exec Analytics

    Funds TransferPricing

    Portal &Dashboards

    BusinessActivityMonitoring

    BusinessProcessAnalytics

    Op Intelligence

    HR Analytics

    CustomerInsightCustomerInsight

    PerformanceManagementPerformanceManagement

    OperationalExcellenceOperationalExcellence

    Analyti csPlatform

    AnalyticsPlatform

    Consolidation Budgeting

    Procurement

    Profitability Mgmt

    Fixed Assets

    Incentive Comp

    Product Hub Org Hierarchy Hub Accounting Hub Payments Hub

    Master Data ManagementMaster Data Management

    Customer Data Hub

    Rich Client F/W

    AJAX, Web 2.0

    Systems Mgmt Web Services MgmtDirectory Services

    Enterprise Content

    Mgmt

    Database (Grid,

    Memory, Embed)

    Web Services

    Orchestration (BPEL)

    Identity Mgmt

    J2EE Services, ESB

    and Rules Engine

    Access Mgmt

    Enterprise TechnologyEnterprise Technology

    ProfitabilityAnalytics/RAPM

    ACH

    CreditRating

    POS

    SWIFT

    Fed Wire

    OFAC

    MarketFeeds

    CheckOrder

    OtherSystems

    RetailRetail

    Platform Teller CallCenter

    InternetBanking Kiosk EBPP

    Private Wealth MgmtPrivate Wealth MgmtCommercialCommercial

    TeamSelling

    OrderMgmt

    InternetBanking

    SecurityTrading

    ClientServicing

    DerivativePricing

    CRM &Marketing

    LeadMgmt

    FinancialPlanning

    Order EntryPlatform

    OnDemand

    Customer ExperienceCustomer Experience

    CallCenter

    Deposits

    Loans

    Payments

    Cards

    (Credit / Debit)

    Investments

    Core BankingLedgerLeasing

    Payments

    Deposits

    TreasuryTradeFinance

    AssetMgmt

    SyndicatedLoans

    StructuredDerivatives

    Lock BoxNostroReconInvestorServices

    Leasing Custody

    Mortgages

    Customer &Business

    Insight

    Customer &Business

    Insight

    Lifecycle ManagementLifecycle Management

    SellingMarketing ServicingOriginating

    ExternalInterfacesExternalInterfaces

    Projects

    Risk BasedPricing

    EconomicCapital/RAPM

    OperationalRisk

    Market Risk

    Credit Risk

    ALM

    SOX

    RegulatoryReporting

    Risk BasedDecisioningRisk BasedDecisioning

    RiskManagementRiskManagement

    Governance,Risk &

    Compliance

    Governance,Risk &

    Compliance

    ComplianceCompliance

    BASEL II& 1A

    AML

    Human Capital Mgmt

    Enterprise GL

    Product and Transaction ProcessorsProduct and Transaction Processors

    CashMgmt

    Real Estate

    Savings Loans

    Core BankingLedger

    Reconcil-iation

    Compliance

    & Limits

    IntegrationMkt Data

    PortfolioMgmt

    TradeProcessing

    Performance Mgmt

    Balance & Positions

    Fees & Commissions

    Compensation

    Clearing &Settlement

    Third Party

    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    Oracles Banking Footprint

    Th O l C l t B ki S l ti

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    PartnersPartners PeoplePeoplePeople

    PlatformPlatform

    ProcessProcess

    ResultsResults

    Oracle Uniquely Delivers a Competitive Advantage byLeveraging People, Partners, Process, and Platform

    The Only Complete Banking Solution

    People: Oracles Ecosystem Creates Advantage

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    People: Oracles Ecosystem Creates Advantage

    950 customersparticipating inCustomer AdvisoryBoards

    500 Industry & Productstrategy council members

    35 Fusion strategycouncil members

    1,300 participantsin early customeradoption programs

    425 user groups

    30,000 applicationscustomers

    220,000 databasecustomers

    5,000 middleware ISVs

    1,700 application ISVs

    9,000 database ISVs

    30,000 middlewarecustomers

    29,000 developers,support engineers

    and consultants275,000275,000

    CustomersCustomersBenefitingBenefiting

    from Sharedfrom SharedInnovationInnovation

    Process: Top to Bottom Support for Banking

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    CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

    #1 Enterprise Software Vendor ERP, CRM, SCM and more Most scalable, reliable, secure infrastructure Most complete range of on-demand and on-premise

    deployment options

    Built-In Banking Capabilit ies

    Core banking processes incl. deposit and credit / loanmgmt, consumer & commercial leasing, and integratedaccount statements

    Governance, risk, and compliance coverage includingrisk-based pricing, operational risk assessment, andregulatory reporting

    Performance mgmt incl. profitability analysis and RAPM

    Largest Software Support Team

    21,000+ development and support engineers 145+ countries

    DatabaseDatabase

    MiddlewareMiddleware

    ApplicationsApplications

    ConsultingConsulting

    TrainingTraining

    SupportSupport

    Process: Top to Bottom Support for Banking

    Platform: Oracle Fusion Middleware Leads the Market

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    Platform: Oracle Fusion Middleware Leads the Market

    BestBest--SellingSelling

    32,000+ Customers Deployed 70% of Worlds 50 Largest Firms $1B+ Business

    Oracle55%

    Oracle55%

    Others45%

    Others45%

    Source: Gartners Market Share Application Integration & Architecture

    Source: Gartners Market Share Application Integration & Architecture

    40%

    30%

    20%

    10%

    0%

    39.6%

    6.7% 7.1%

    Oracle IBM Total Mkt

    Growth Rates

    #1 Middleware By Share

    Fastest Growing Middleware

    Highest RatedHighest Rated

    Only Vendor in Gartner andForrester Leader Quadrants forAl l Middleware Components

    Source: Forrester Research Ranking of Application Platform Servers

    Oracle

    IBM

    SAP

    Microsoft

    0% 5% 10% 15% 20% 25% 30%

    SOA Vendor of Choice

    Oracle Leads the Pack

    IBMSAP

    SUN Microsystems

    Microsoft

    Novell

    LeadersStrongPerformersContenders

    Strong

    StrongWeak

    Weak

    Strategy

    Market Presence

    CurrentOffering

    Oracle

    Most ComprehensiveMost Comprehensive

    Industry's Most ComprehensivePlatform for Developing, Deploying

    & Integrating Enterprise Apps

    Rich Functionality

    ORCLORCL IBMIBM SAPSAP

    J2EE Server &Dev Tools

    EnterpriseService Bus

    Portal, Collab,Content Mgmt

    BPEL ProcessManagement

    ActivityMonitoring

    Business RulesEngine

    SOA

    Management

    BusinessIntelligence

    IntegrityManagement

    Agenda

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    Agenda

    Leadership in Banking

    Innovation in Industry Solutions

    Results Achieved by Oracle Customers

    What Customers are Achieving

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    What Customers are Achieving

    Oracles acquisi tions of PeopleSoft and Siebel give it a more significantfootprint in business intelligence (BI), analytic applications, andperformance management.

    Oracle Financials lets us automate our planning process and dataconsolidation. Our financial planning and analysis staff can fully performtheir roles as analysts and work closer with their operational managers --with greater speed and f lexibility.

    Our Mult i-channel Program delivered by PeopleSoft Enterprise CRM,enables every ABN AMRO Bank client to choose how and when they wishto communicate with us. This allows us to be trendsetters in our industry.

    As a global financial services company which is using technology toimprove productivity and lower operating costs, the use of FLEXCUBE will

    allow us to gain efficiencies by standardizing our operating environment.

    Performance Management is something that has to constantly evolve asyour business evolves. Oracles platform allows us to quickly modify rulesand add f ields to tables so that we can be very responsive to change.

    The Oracle Difference

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    The Oracle Difference

    Only multi-channel sales, service, marketing and transaction solutionpre-integrated with core-banking

    Only open standards core-banking solution enabling new products,relationship pricing and consolidation of existing systems

    Most complete end-to-end risk management solution extending intobusiness operations and AML

    Worlds leading financials solution for FSI with multi-GAAP, IFRS,and multi-book code processing

    Only service-oriented architecture with a banking-specific data modeland process library

    Only Oracle

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