Financial Services

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Financial Services Oracle Ibérica S.R.L.


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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 decisions. The development, release, and timing of any features or functionality described for Oracle’s products remains at the sole discretion of Oracle.

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Program Agenda

Introduction

Cloud Strategy

Customer Experience

Big Data

Digital Transformation

1

2

3

4

5



Introduction Financial Services Strategy from Oracle

Financial Services Oracle Iberica S.R.L.

Oracle Confidential – Internal/Restricted/Highly Restricted


More competition means increasing price pressure

Shrinking margins impacting the bottom line

Increased claims exposure

More competition driving “Speed to Market”

Regulatory activity driving pace of innovation

Compressed net interest margins

Market Scrutiny on Risk Management

Consumers go Mobile and Social

6

Searching for new models for revenue


Risk & Regulation

Customer Experience

Market Pressures

7


Risk & Regulation

Customer Experience

Market Pressures

8


20% 17%

Time company heads spend dealing with compliance and regulations

IT Spending goes

towards Risk

Source: A survey by recruitment consultancy Robert Half of 50 CFOs and 50 COOs, 2012

Source: IDC “Pivot Table: Worldwide IT Spending 2013-2017 – Worldwide Risk IT Spending Guide, 1H13,” April 2013

Compliance, Risk and Regulations


Management Reporting

& Analytics

Regulatory

Reporting

Enterprise Risk and Finance: The Approach

Data

Preparation

Data

Sourcing Accounting Analytical

Enrichment


Risk and Compliance with Confidence

Bringing Together the Architecture

Strong Risk and Compliance Culture

Actionable Insight and Focus


Market Pressures

Customer Experience

Risk & Regulation

12


89% of customers have switched to a competitor

43% of customers say they’ve had a positive experience

49% of executives think customers will switch

80% of executives believe they provide good CX

13

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40% of customers use social networking today


40% of customers use social networking today


Market Pressures

Customer Experience

Risk & Regulation

21


Industry Needs to Improve Margins • Achieve sustainable 12% ROE

Low Interest Rate Environment

Compressed Net Interest Margin

Reduced Fee Income (Dodd-Frank)

More Demanding Customers

Expensive Legacy Systems

Onslaught of Regulation


63% 21% 16%

Run the

Business

Grow the

Business

Transform the

Business

Source: “IT Metrics: IT Spending and Staffing Report, 2012”, Gartner Research, 2012

1 in 4 of the Top 100 banks have sustainable cost to income ratios

under 45%


Complexity of IT

Multiple Systems

Siloed Cross-Channel Experience


Financial Services Priorities

58%

43%

37%

36%

30%

Forrester, “The Transformation Imperative in Financial Services Defies Any Crisis,” November 2012


Enterprise Capabilities

Business Functions

Technology Services

26



Business Functions

Technology Services

27


28


Business Functions

Technology Services


Business Functions

Technology Services

Collaboration

Portal

Identity & Access Management

Servers

Storage

Engineered Systems

Security

Mobile

Big Data

Cloud/PAAS/IAAS Enterprise Data Management & Analytics

Business Process Management


Be competitive and Compliant


• Grow your business

• Build around your customer

• Respond to market event quickly

• Respond easily to regulations

• Manage the Risk

• Gain Insight, Plan ahead and act with confidence

Customer Experience

Modernization

Risk and Finance



Program Agenda

Introduction

Cloud Strategy

Customer Experience

Big Data

Digital Transformation

1

2

3

4

5


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focus copyright

revenue copyright

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risk source

worldwide risk

risk management consumers