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 ICT Strategy Presentation ILCUnet & ILCUbis Chapter Meetings June - July 2011 ILCU ICT Department Jim Williams, CIO Malcolm Moir, Infrastructure Services Manager ILCU ICT OFFICE 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 ICT Strategy Presentation ILCUnet & ILCUbis Chapter Meetings June - July 2011 ILCU ICT Department Jim Williams, CIO Malcolm Moir, Infrastructure Services Manager ILCU ICT OFFICE

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 Agenda ICT Strategy – Why and What? ILCUnet – Your Private Credit Union Network What and Why? Who’s Connected Today? ILCUbis – Your Credit Union Business Intelligence Service What and Why? What’s BIETL all about? Relevance of ILCUnet, ILCUbis and the CUSOP to the Government’s Credit Union Commission Where do your IT Suppliers Stand on ILCUnet and ILCUbis? What must YOU do now !? 2

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 2011 * * ICT Strategy – Why and What? Planning Committee April * “New services for members” “Access to payments clearing” “Work together, not alone” Planning Committee April * 3

“ISIS notwithstanding, a technology solution must be found...” “There are a number of need areas... Electronic / Banking Services Communication Network Central Data Base / Decision Support Systems...” Planning Committee April 1991 Review Commission April 2002 * 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 2011 ICT Strategy – Why and What? 4

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 “Members demand we interact with the larger financial services world.” “The responsibilities of directors are growing – we need appropriate business management tools.” Planning Committee April 1991 Review Commission April 2002 ICT Strategy April 2007 ”Regulatory requirements are becoming more onerous.” * 2011 ICT Strategy – Why and What? 5

“Members and non-members want more financial services” “The ICT strategy... will be a key cornerstone in aiding Credit Unions” Planning Committee April 1991 Review Commission April 2002 ICT Strategy April 2007 ”Members are open to new product and service innovations that meet real needs” Amarach Research August 2009 * 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 2011 ICT Strategy – Why and What? 6

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 3 Key ICT Strategy Deliverables Private Communications Network Better Governance Tools ICT Communication and Education 7

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 ILCUnet YOUR Private, Secure, Managed Credit Union Network

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 ILCUnet – Your Private Credit Union Network 9

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 ILCUnet – Your Private Credit Union Network SAFE STRONG SECURE ILCUbis - Credit Union Business Intelligence Service Payments CUSO Your IT Supplier Service New Services Credit Union A Ltd Credit Union B Ltd Sub Office Credit Union B Ltd Irish League of Credit Unions ILCUnet 10

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 ILCUnet – The Private Credit Union Network - SAFE STRONG SECURE ILCUnet Credit Unions 84 Sites

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 ~84 CUs Sites Connected. 10 More Connecting. 61 Thinking.

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 WHY Should You Connect to ILCUnet? – USE what you have already paid for! – Come together NOW – or stand alone – Save money All network services costs - price comparisons with PUBLIC ISP Sub-officesTransfers of Engagement Have CHOICE of IT service providers – Standards across the Movement – High(er?) quality of services – Lower costs - economies of scale! Stimulate more IT Service providers to connect to ILCUnet – More competition = more choice, and better pricing 13

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 WHY Should You Connect to ILCUnet? – Show LEADERSHIP in unity Do YOUR part for yourselves and the Movement – Illustrate understanding of Ireland’s CU future – Show solidarity and commitment to: Other credit unionsIT Suppliers Central BankRegulator – SurvivalProsperity 14

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 “ We’re obviously delighted with the significant savings to our broadband costs which we are experiencing. However, the safety, security and speed provided by the network to us are more important. Connection speeds to our sub-office are now four times faster and this has eliminated the transaction processing issues which we had been facing. The level of security provided by using a dedicated credit union network is also reassuring. Our experiences with connecting to the network have been extremely positive. Credit unions have paid to build our own communications network and should now take pride in connecting to it”. Donal Scannell, CEO Thurles CU

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 YOUR Private, Secure, Managed 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 – What and Why? World-Class BI ORACLE Professional Data Centre Defined by 34 BI Leaders and NBISC Shows YOUR CU State and Status – GRAPHICALLY Modern Management Tools Govern YOUR CU Better Make Better-Informed Decisions Compare YOUR Performance Against Your Peers Respond to Regulatory Reporting Requirements – Easier! Standard across the MOVEMENT, not across IT Suppliers 17

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 18

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 GOLD – Target Value Range BARS – Actual Value Results LIGHTS – Quick Indicator Results Inside or Outside of GOAL Range 19

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 20

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 A1 Loan Arrears 10 Wks + / Total Loans E1 Loans / Total Assets P1 Bad Debt Provision Requirements Credit Union Average Asset Band Average Membership Size Band Average BENCHMARKING Compare YOUR Performance Against the Average of Your Peers 65% 40% 42% 21

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 Membership Count Number of Years a Member Members by Years of Membership Analysis Last Year’s Membership Drive was Successful! ~ 365 Members for 1 Year ~ 55 Members for 20 YearsNearly 20 Members for 40+ Years 22

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 Total Value Loaned ~ €720,000~ 220 New Loans July

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 ~ €6.9M Total Loans ~ €750K in Arrears > 9 Weeks Balance Weeks in arrears INCREASED This Quarter March

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 Total Savings Balance Total Loans Balance Total Arrears Balance Age Band Total Shares, Loans, Arrears 1,200, , , , Age Band ~ 1.0 M Saved ~ 950,000 Borrowed ~ 40,000 in Arrears 25

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 26

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 Phase 1 with Spreadsheet Data ILCUbis Phase 1 Governance Dashboards as current as last MANUAL Spreadsheet. Considerable VALUE, but not timely enough, and NOT AUTOMATIC! Complete Prudential-like Spreadsheet Balance at Risk --- Your CU BI User --- Spreadsheet to ICT Office -- ICT Office -- Spreadsheet to ILCUbis Access ILCUbis SECURELY for Governance Tools --- Your CU BI User and Much more 27

Balance at Risk 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 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 28 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 29

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 day free use of Credit Union Business Intelligence Service, Management Training by Monitoring Department, and up to 4 CPD Credits – See Flyer

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 ICT Strategy ICT Communication and Education

ICT Strategy – Why and What? 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 3 Key ICT Strategy Deliverables Private Communications Network Better Governance Tools ICT Communication and Education 32

Your ICT Strategy, and the Government’s CU Commission 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 See Handout Open Discussion 33

Your ICT Strategy, and Your IT Suppliers 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 Open Discussion 34

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 ICT Strategy Department - We Delivered!

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 ICT Strategy ILCUnet ILCUbis It’s Your Serve....

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 It’s Your Serve.... Tell your IT Supplier you want to be on ILCUnet! Call Malcolm to start the process – tell him NOW Sign up for the ILCUbis Free Trial – NOW – Pink Form Get informed! Stay Informed! Stay connected ! Complete Yellow Form NOW Spread the word ! Help others to understand, and connect to ILCUnet & ILCUbis.