2. Financial Services Next.O Staying Ahead of the Digital Disruption Sonny Singh Senior Vice President and General Manager Oracle Financial Services Global Business Unit March 2016 Barcelona Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |

3. Safe Harbor Statement 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. 3

4. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |4 "We're facing an Uber moment, but I think other than the taxi industry, the banks will react differently.." - Axel Weber, Chairman, UBS

5. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. | Partnerships Hackathons Accelerators Innovation Labs Startup Bootcamps Investments

6. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. | US$ 24.89 B Total Investments in 2015 2.4x of the Total in 2014 6 FinTech 2.0 Source: Finovate FinTech Funding, 2014-2016

7. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |7 FinTech Companies are Defining the New Norm Barriers of Entry Holistic Offers All Channels All Generations Legacy Systems FinTech CompaniesFinancial Institutions Regulatory Brand Equity and Trust Data Frictionless Sharp Focus Data Driven Agile

8. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. | Regulatory Oversight Continues to Expand 25 Directives Bank Conduct Costs “ if it looks and smells like a bank, it could get regulated like one” >$306 B

9. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. | Source: Edelman Trust Barometer, 2016 Global Results 9 Trust in FS and Technology: At Opposite Ends #1 of 8 #8 of 8 74%

10. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. 10 Bank Profits at Risk Source: Goldman Sachs – The Future of Finance reports, March 2015 $100B + in Lending and Payments

11. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |11 Two Significant Transformation Opportunities For Financial Institutions DigitalData

12. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. | What are the Obstacles to Transformation? 12 How to accelerate time to value How to ensure sustainability and agility How to minimize the risk of disruption to the business Simply, knowing where to start

13. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |13 Traditional Core Banking Architecture Channels Core Systems Integration InvestmentsLendingTransactional AccountsWealthInsurance

14. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |14 Integration Digital Engagement ProductPricingLimitsCollateral Prospect & Customer Banking Services Business Process MarketingSalesOriginationServicingCollections Evolution to a Customer In Architecture Product Processors Core Systems Channels InvestmentsLendingTransactional AccountsWealthInsurance

15. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. | Product Processors InvestmentsLendingTransactional AccountsWealthInsurance InvestmentsLendingTransactional AccountsWealthInsurance 15 Product Processors: Lean, Efficient Systems of Record Channels Digital Engagement ProductPricingLimitsCollateral Prospect & Customer Banking Services Business Process MarketingSalesOriginationServicingCollections Core Systems

16. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. | Product Processors 16 Digital Experience Modern Channel Agnostic Digital Experience Digital Engagement ProductPricingLimitsCollateral Prospect & Customer Banking Services Business Process MarketingSalesOriginationServicingCollections InvestmentsLendingTransactional AccountsWealthInsurance Point of Need Transaction Services Advice & Financial Management Action Driven Personal Content Merchant & Affiliate Services Digital Wallets

17. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |17 Digital Experience Digital Engagement ProductPricingLimitsCollateral Prospect & Customer Banking Services Business Process MarketingSalesOriginationServicingCollections Point of Need Transaction Services Advice & Financial Management Action Driven Personal Content Digital Wallets Merchant & Affiliate Services Analytics Customer Performance Risk Compliance Analytics for an Insight Driven Business Product Processors InvestmentsLendingTransactional AccountsWealthInsurance

18. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |18 Our Blue Print for Your Future Service Oriented Technology Foundation Customer In Business Design Channel Agnostic Digital Experience Progressive Transformation Two Speed Delivery Superior Customer Engagement

19. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. | Difficult to deliver consistent risk-optimized metrics across the enterprise 19 Managing Your Data is Increasingly Complex KYC AML FATCA and GATCA CCO Enterprise Fraud Real-time offer CMO Relationship Banking Customer retention Customer 720° CRO Solvency II Basel BCBS 239 LRM CFO Balance Sheet Planning Profitability IFRS Regulatory Reporting CDO BCBS 239 Big Data Regulatory Reporting Financial Business Industry Ontology (FIBO) Complex to drive the delicate balance between customer-centricity and profitable growth Expensive to satisfy regulators who are demanding granular, accurate and standardized enterprise data in a timely fashion Data Foundation

20. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. | An Integrated Data Architecture for Your Business 20 Foundational approach for data Common platform to derive insights Purpose built analytical engines Data Foundation

21. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |21

22. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |22 Impact of Next.O today! At Saxo Payments members can make and receive cross border transfers in seconds, rather than days Live on Oracle FLEXCUBE on Managed Cloud Services

23. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. | At Suncorp Bank unsecured personal loans processed and cash in the account within 20 minutes 23 Impact of Next.O today! Renewed and Deployed Components for Digital Engagement and Product Processing

24. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |24 Impact of Next.O today! Stripe transacts in 16 Currencies and growing to over 200 Countries Live on Oracle ERP Cloud Financials

25. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |25 Impact of Next.O today! National Australia Bank provides a conditional home loan approval for existing customers in 5 minutes Rolling out new Personal Banking Origination Platform for 14,000 staff

26. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |26 Impact of Next.O today! Zapp UK’s Pay by Bank app service leverages Oracle FS Billing and Analytics Live on Oracle Revenue Management & Billing SaaS

27. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |27 Impact of Next.O today! CAN CAPITAL sends funds in as little as 2 business days Live on Oracle Marketing Cloud and Oracle FS Lending and Leasing Cloud

28. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |28 Learnings from Our Engagements Focus Niche trumps average Leverage information insight = intimacy Remove Friction Market Lifestyle not Technology Win Fans not Customers Earned Media vs Paid Media Architect for Change Next.O

29. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |29

30. Copyright © 2016, Oracle and/or its affiliates. All rights reserved. |30