2. Financial Services Analytics Customer Panel & Discussion CON 7044 Stuart Houston Global Solution Director, Financial Services Analytics Financial Services Global Business Unit September 29 th, 2014 Copyright © 2014, Oracle and/or its affiliates. All rights reserved. |

3. Customer Panel Linda Zukauckas EVP, Corporate Controller American Express Vas Rao Vice President, Finance Services Group CIBC

4. Copyright © 2014, Oracle and/or its affiliates. All rights reserved. | Enterprise Challenges Oracle are hearing from our clients In this cost sensitive environment, how do we plan a program of work that delivers effective outcomes? Which version of the truth should we use, and where do we get it from? How can we manage the onslaught of regulatory pressure across risk, compliance & capital management? How do we govern a program of work at this level of complexity, over multiple funding cycles? How do we measure success, particularly in the area of value add back to the business?

5. Copyright © 2014, Oracle and/or its affiliates. All rights reserved. | How do these challenges affect the CXOs of firms? Head of Risk Management Chief Financial Officer Chief Operations Officer All these CXOs face similar obstacles to meeting their business goals: Silos of data Silos of processes and systems Resistance to change Opaque data practices Where to start “How can I include Risk Strategy & Pricing in every Transaction?” “Will we be ready to support Market and Regulatory Events?” “How do I know for sure I’m maximizing my capital allocation?” “How can I be sure we are compliant? Can I really trust my reports?” “Will Technology and Business Services be able to meet demands for a 360 degree view of data?”

6. Copyright © 2014, Oracle and/or its affiliates. All rights reserved. | What should effective Data & Technology enable? Decision Advantage – Context – Confidence – Speed Business Alignment – Transparent – Measurable – Complete Operational Excellence – Accurate – Complete – Comparable/Timely When data & technology can drive business performance Head of Risk Management Chief Financial Officer Chief Operations Officer

7. Copyright © 2014, Oracle and/or its affiliates. All rights reserved. | When technology is not aligned with business needs Legacy environments enforce business challenges Roll-up reporting falls down – eventually, always. Fragmented BU processes restrain Enterprise Decisions Strategy fails for want of coherent tactics Consequences of mis-aligned environments Data Fiefdoms Misfire Reporting Conflicting processes Forced Errors Broken Views

8. Copyright © 2014, Oracle and/or its affiliates. All rights reserved. | Oracle Financial Services Analytics (OFSAA) 71 % of global SIFI’s use some form of OFSAA Solutions for Performance, Risk and/or Financial Crime & Compliance Management Performance Management Customer Insight Governance & Compliance Risk Management Enables financial institutions to measure and meet risk- adjusted performance objectives, cultivate a risk management culture, lower the costs of compliance and regulation, and improve customer insight. Cost effectiveness, Timeliness & Risk Mitigation of Buy/Install/Configure approach provides a compelling alternative to the traditional build approach

9. Copyright © 2014, Oracle and/or its affiliates. All rights reserved. | Customer Discussion Linda Zukauckas EVP, Corporate Controller American Express Vas Rao Vice President, Finance Services Group CIBC

10. Copyright © 2014, Oracle and/or its affiliates. All rights reserved. |

11. Some closing thoughts Institutions want vendors with comprehensive and best-of-breed analytical coverage of all key disciplines on a single, unified platform Institutions need a means to readily handle risk and performance “intersections,” leverages existing investments and provides for future expansion Institutions need unprecedented analytical speed and scalability to do what was previously impractical or even impossible Join some of the largest global institutions who are already leveraging this approach on their transformation projects Oracle Financial Services Analytical Applications (OFSAA) delivers this today OFSAA’s “building block” approach makes this possible OFSAA deployed on Engineered Systems provides proven extreme performance that changes the game

12. Copyright © 2014, Oracle and/or its affiliates. All rights reserved. | Join the Conversation Online blogs.oracle.com/financialservices facebook.com/oraclefs twitter.com/oraclefs twitter.com/oraclefs #OracleFS youtube.com/oraclefs Keep up with Financial Services topics and trends. Access Financial Services content easily, including events, webcasts, white papers and more. Engage with Oracle in FS Experts. Share knowledge and experiences at your convenience with your peers.

13. Copyright © 2014, Oracle and/or its affiliates. All rights reserved. |Oracle Confidential – Internal/Restricted/Highly Restricted13