W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis Credit Union Business Intelligence Service W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis Credit Union Business Intelligence Service Webinar Tuesday 18 th October 2011

W E L O O K A T T H I N G S D I F F E R E N T L Y

4 Overview & Welcome Jim Williams, Chief Information Officer, ILCU The Power of Business Intelligence Michael O’Callaghan, BI Specialist, Oracle ILCUbis Demonstration Dave Hewson, Monitoring Department, ILCU ILCUbis – A Credit Union Perspective Damien Brady, Manager, Larkhill Credit Union Next Steps & Future Plans Jim Williams, CIO, ILCU Agenda

Oracle Business Intelligence Overview Michael O’Callaghan – Oracle Business Intelligence Sales Specialist

What is Business Intelligence? Right Information in the Right Format to Support Decision Making Interactive Dashboards Geospatial Visualization Office Integration Mobile Reports Applications & Portals Search Ad-hoc Queries Collaboration Scorecards

Interactive Dashboards Geospatial Visualization Office Integration Mobile Reports The Intelligent Business… Bases Decisions on Complete, Secure and Consistent Information Applications & Portals Search Ad-hoc Queries Collaboration Scorecards

Easy to use Dashboard technology Web Based Technology for Easy Access to Right Time Information Personalised, actionable intelligence for the broadest audiences Live. Real-time. Fully Interactive.

Maintain Point of View Dashboards Mobile Mobile Analytics Oracle BI from Mobile Devices

W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis David Hewson ILCU Monitoring Department W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis David Hewson ILCU Monitoring Department

W E L O O K A T T H I N G S D I F F E R E N T L Y 11 Introduction The need for Management Information Benefits – Decision-Making & Governance Getting the best from ILCUbis The Structure of ILCUbis

W E L O O K A T T H I N G S D I F F E R E N T L Y 12 Introduction What is ILCUbis? –Decision Support Tool –Reporting, measuring, querying, forecasting ILCUbis & Credit Unions –Relevant, reliable, timely & understandable –Key Performance Indicators

W E L O O K A T T H I N G S D I F F E R E N T L Y 13 The benefits All Board members are responsible for decisions Not everyone “gets” finance The key benefit – display it in an understandable way Result – everyone can understand the business and make better decisions

W E L O O K A T T H I N G S D I F F E R E N T L Y 14 Sources of Information Prudential Returns –Historic –Current –Monthly spreadsheets Phase 2 –Your bookkeeping system –Your management accounting system –Census and other external sources

W E L O O K A T T H I N G S D I F F E R E N T L Y 15 The Structure of ILCUbis 1 - Financial Analysis Visual display of numeric information 2 - Governance Indicators Key Performance Indicators 3 - Marketing Analytics Common Bond analysis

W E L O O K A T T H I N G S D I F F E R E N T L Y 16 ILCUbis Main Menu

W E L O O K A T T H I N G S D I F F E R E N T L Y 17 Financial Analysis Cash Flow Trends –Summary, Receipts, Disbursements Income & Expenditure Trends Liquidity Trends

W E L O O K A T T H I N G S D I F F E R E N T L Y 18 Financial Analysis-Cash Flow

W E L O O K A T T H I N G S D I F F E R E N T L Y 19 Financial Analysis-Receipts

W E L O O K A T T H I N G S D I F F E R E N T L Y 20 Cash Flow– Historical data

W E L O O K A T T H I N G S D I F F E R E N T L Y 21 Financial Analysis Cash Flow Trends√ Income & Expenditure Trends –Will we pay a dividend? Liquidity Trends

W E L O O K A T T H I N G S D I F F E R E N T L Y 22 Financial Analysis – Inc & Exp

W E L O O K A T T H I N G S D I F F E R E N T L Y 23 Financial Analysis – Income

W E L O O K A T T H I N G S D I F F E R E N T L Y 24 Income & Expense – Historical data

W E L O O K A T T H I N G S D I F F E R E N T L Y 25 Financial Analysis Cash Flow Trends√ Income & Expenditure Trends√ Liquidity Trends√ Business Decisions –Can we pay a dividend? –What areas need improvement? –Can we influence the future?

W E L O O K A T T H I N G S D I F F E R E N T L Y 26 Governance Indicators Resolution 49 –Visual display of trends PEARLS Regulatory Indicators

W E L O O K A T T H I N G S D I F F E R E N T L Y 27 Res 49 Arrears Trend - Detail

W E L O O K A T T H I N G S D I F F E R E N T L Y 28 Governance Indicators Resolution 49√ PEARLS –Governance, KPIs and Benchmarks Regulatory Indicators

W E L O O K A T T H I N G S D I F F E R E N T L Y 29 PEARLS – P1 Ratio

W E L O O K A T T H I N G S D I F F E R E N T L Y 30 PEARLS - A1 Ratio – Monthly ratios

W E L O O K A T T H I N G S D I F F E R E N T L Y 31 PEARLS – E5 Ratio

W E L O O K A T T H I N G S D I F F E R E N T L Y 32 Governance Indicators Resolution 49√ PEARLS√ Regulatory Indicators –Sensitivity Analysis and Reserve Ratios –Early warning system

W E L O O K A T T H I N G S D I F F E R E N T L Y 33 Governance Indicators – Section 35

W E L O O K A T T H I N G S D I F F E R E N T L Y 34 Reports - Top 5 Shares

W E L O O K A T T H I N G S D I F F E R E N T L Y 35 Governance Indicators Resolution 49√ PEARLS√ Regulatory Indicators√ Business Decisions –What do we need to do? –What will the impact be?

W E L O O K A T T H I N G S D I F F E R E N T L Y 36 Marketing Analytics – Phase 2 Membership Profile –Age, Gender, Length of Membership –Products & services taken Common Bond Penetration –Where do our members live? –Where is the potential in our Common Bond? Product Profiling

W E L O O K A T T H I N G S D I F F E R E N T L Y 37 Membership by Area – NI example

W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis Next Steps and Future Plans Jim Williams, Chief Information Officer, ILCU W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis Next Steps and Future Plans Jim Williams, Chief Information Officer, ILCU

W E L O O K A T T H I N G S D I F F E R E N T L Y Wrap Up  ILCUbis – It’s all for You! Management & Governance -  ILCUbis – Ready for You to use NOW!  ILCUbis – Low Cost! Economies of Scale for Movement  €801 once-off€254 / year thereafter (~ a Fiver per week!)  ILCUbis – No additional cost for Future Expansion!

W E L O O K A T T H I N G S D I F F E R E N T L Y Balance at Risk ILCUbis Phase 2 with IT Supplier Service BIETL: Automatic Data Transfer Service ! Your CU BI User Push AUTOMATIC TRANSFER Button ILCUbis Phase 2 with BIETL: Automatic Data Transfer TODAY’ S GOVERNANCE INFORMATION, TODAY! Access ILCUbis SECURELY for Governance Tools...and Much more BIETL

W E L O O K A T T H I N G S D I F F E R E N T L Y IT Suppliers Working on Service for CUs BIETL : Automatic Data Transfer Service

W E L O O K A T T H I N G S D I F F E R E N T L Y BIETL – SETTING STANDARDS =

W E L O O K A T T H I N G S D I F F E R E N T L Y Your Next Steps -  ILCUbis – Contact Carmel Carroll in the ICT Department Dublin –  More Information – Presentations, Videos?

W E L O O K A T T H I N G S D I F F E R E N T L Y

45 Thank You.