Banking Solutions

Presenter’s Name: Presenter’s Title:

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

CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

Agenda

• Leadership in Banking • Innovation in Industry Solutions • Results Achieved by Oracle Customers

CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract

Oracle in Banking Did You Know? 10 of the top 10 global banks use Oracle Apps to run their business 23 of the top 25 North American banks use Oracle Applications to run their business 15 of the top 20 global banks use Oracle Apps to measure and manage their performance CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

the industry is expected to continue to experience pressures on its net interest margin.0 billion by 2006.1% and reach $3.” – American Bankers Association ! Compliance & Regulatory Pressures: How can my organization meet the increasing regulatory compliance demands? “IT spend on compliance will grow annually at 14.500 in the US.” – The Info Shop ! Scale Costs to Match Market Opportunity: How can I improve cost efficiency ratios while providing greater value to our customers? “In the near to intermediate term.The Challenges We’re Hearing ! Grow Business and Cross-Sell to Customers: How can I streamline my business processes to grow wallet share and shorten time to market for new products and services? “The average cost to acquire a new customer is $3.” – AM Best CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

Industry Quotes “In acquiring a majority stake in i-flex solutions. and deliver existing Oracle customers with more sophisticated CRM functionality. and performance management.” “Oracle’s acquisitions of PeopleSoft and Siebel give it a more significant footprint in business intelligence (BI). With 22 acquisitions in 24 months.” “Oracle has been kicking its game into high gear. analytic applications.” CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .” “Oracle’s Siebel purchase should drive more value for customers through integrated business management applications. Oracle announced its arrival on the world stage of vertical banking technology. the longtime database kingpin and middleware applications player has gorged on new products and capabilities… The buying binge also have served to reinforce the company's commitment to amassing deep expertise in financial services-something not lost on clients in that industry.

Agenda • Leadership in Banking • Innovation in Industry Solutions • Results Achieved by Oracle Customers CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

Oracle Banking Solutions Next Generation Software That Helps Banks Effectively Grow Their Business and Optimize Performance From the Front to the Back-Office Develop Customer-Centric Processes Enable Flexibility to be Responsive to Market Needs Embed an Intelligent Compliance & Risk Mgmt Framework and Performance Measurement within the Business Innovate for Operational Effectiveness Evolve a Business Process Driven Enterprise Architecture CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

mktg & transaction solution pre-integrated with core-banking Only complete offer and campaign mgmt solution with built in analytics to measure and refine marketing programs Only complete repository for data across the enterprise accessible by a hub and spoke model Show a complete view of customer to customer agent 360 Degree Customer View through Integrated Banking Sales and Service Deliver multi-channel campaign and offer mgmt Closed-Loop Marketing for Banking Provide a single source of truth for customer data Universal Customer Master for Banking CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .Create a Customer-Centric Enterprise Requirement Drive intelligent customer interactions Oracle Capability The Oracle Difference Pre-Built Customer Analytics for Banking Only end-to-end performance & profitability analytics in context of customer interactions Only multi-channel sales. service.

Example: 360 Degree Customer View through Integrated Banking Sales and Service Show a Complete View of Customer to Customer Agent Agent Desktop Web Services Core Systems Single View of Customer • Real-time balances • Account details & transaction history • Contact and opportunity mgmt • Interaction history Guided Selling • Cross-sell / up-sell • Sales offers • Needs analysis • Product catalog • Product features / benefits Opening / Fulfillment • Multi-product application processes • Data capture • Document fulfillment • Account funding Service Management • Financial transaction support • Common service issue management CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

” Tonnie van der Horst Program Manager CHALLENGES / OPPORTUNITIES • Improve multi-channel customer service • Link the call center. the internet & local branches • Reduce time to market for new products • Increase focus on individual customer SOLUTIONS • Standardize front office application “cockpit” • Set up and implement new business processes • Provide continuity. client contact information.Rabobank COMPANY OVERVIEW • Largest and most dense network in the Netherlands consisting of 2.942 contact points • 7 MM customers • 1200 branches • Full range of banking services CUSTOMER PERSPECTIVE “The single. stability. complete view of the customer and prospects means we are now able to track and trace lead management from start to end. simplicity and cohesion RESULTS • Sales / banker / day increased 45% • Cross-selling up 1% a month • All 300 community banks use one front office system • Rolled out to all users in 18 months • Client data. lead and sales information is consistent across the bank • Lead-management process and management control successful • Can now measure results and reward performance CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

Oracle Banking Solutions Next Generation Software That Helps Banks Effectively Grow Their Business and Optimize Performance From the Front to the Back-Office Develop Customer-Centric Processes Enable Flexibility to be Responsive to Market Needs Embed an Intelligent Compliance & Risk Mgmt Framework and Performance Measurement within the Business Innovate for Operational Effectiveness Evolve a Business Process Driven Enterprise Architecture CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

Enable Flexibility to be Responsive to Market Needs Requirement Provide process driven solutions Oracle Capability The Oracle Difference i-flex Process Framework for Banking Largest repository of extensible and executable banking processes providing increased flexibility Only open standards core banking solution enabling new products. relationship pricing & consolidation of existing systems Only integrated front-to-back solutions for consumer finance & commercial leasing Transforming core-banking processes FLEXCUBE for Retail & Corporate Banking Support stand alone lending & leasing solutions Daybreak and Oracle Lease Mgmt CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

Example: FLEXCUBE for Retail & Corporate Banking Transform Core-Banking Retail Lending UNIVERSAL BANKING SOLUTION Commercial Wealth Management Retail Banking • All consumer banking products • Quick product definition • Single view of customer Lending • Consumer lending • Corporate lending • Origination to collection Commercial • Trade finance • Payments • Cash management • Treasury • Departmental or bank-in-a-box solution Wealth Management • Mutual funds • Asset managers • Transfer agencies • Online brokerage CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

Banco de Chile Improves Sales COMPANY OVERVIEW • Largest Chilean owned bank • Merger of Banco Chile and Banco Edwards • 9.500+ employees.300+ ATM. 260+ branches • $18 billion assets.” Ruben Farias Vice President of Development RESULTS • Improved sales (23% YOY growth) • Improved sales quality and efficiency • Volume increase (1. 1. 400K checking accounts CHALLENGES / OPPORTUNITIES • Consistently manage client relationships across channels • Transform entire bank processes • Deliver lower operating costs.3mm customers) • Automation of sales & credit processes • Responding quicker to customer care claims • Control over finance & accounting processes • Automation of and control over management and HR processes SOLUTIONS • i-flex’s FLEXCUBE • Oracle’s Siebel CRM & Teller • Oracle ERP for Procurement and HR • Oracle BI for Sales & Campaign Analytics CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract . improved customer service and new up sell & cross-sell opportunities CUSTOMER PERSPECTIVE “Oracle is a strategic partner enabling the transformation at Banco de Chile. The bank is better able to meet its customers’ demands by deploying new products to market faster. 660K credit cards.

Oracle Banking Solutions Next Generation Software That Helps Banks Effectively Grow Their Business and Optimize Performance From the Front to the Back-Office Develop Customer-Centric Processes Enable Flexibility to be Responsive to Market Needs Embed an Intelligent Compliance & Risk Mgmt Framework and Performance Measurement within the Business Innovate for Operational Effectiveness Evolve a Business Process Driven Enterprise Architecture CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

OFSA) Only fully scalable solution to compute individual customer profitability deliverable to the front-office Most complete end-to-end risk management solution extending into business operations and AML Only functionally complete compliance mgmt solution available on an enterprise compliance infrastructure Manage credit. Mantas) for Banking Provide a foundation for regulatory compliance Enterprise Compliance Apps for Financial Services CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract . market and operations risk Enterprise Risk Mgmt Platform (Reveleus.Embed an Intelligent Compliance and Risk Management Framework and Performance Measurement within the Business Requirement Deliver actionable customer & product profitability insight Oracle Capability The Oracle Difference Customer & Product Profitability Engine (EPM.

and Operations Risk Databases BI Dashboards Analytics Server Analytic Engines Data Warehouse Risk & Compliance • Basel II compliance • Reporting platform • Consolidated data repository • Embedded internal controls Profitability Management • Complete profitability suite • Integrated with risk and finance solutions • Multi-dimensional profitability Financial Transformation • Next generation accounting rules engine • Fully integrated with Oracle GL Visionary • RAPM enabled suite • Foundation of Enterprise Risk Management suite CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract . Market.Example: Enterprise Compliance Application for Financial Services Manage Credit.

Wells Fargo Achieves Basel II Compliance COMPANY OVERVIEW • Headquartered in San Francisco. California • Sixth largest bank holding company in the US • Employees: 153.500 • Assets worth $482 billion CHALLENGES / OPPORTUNITIES • Needed a mature solution which would allow the bank to comply with Basel II Accord.” Nick Deshpande Head of Corporate Project Office SOLUTIONS • Reveleus Basel II • PeopleSoft Enterprise Financial Mgmt • PeopleSoft Enterprise Performance Management RESULTS • Credit analytic capabilities will be available in the spring of 2007 • Full production of Basel II in January 2008 CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract . while supplementing its economic capital mgmt process • Wanted not only a Basel II solution but also a credit analytics tool • Allow for iterative capital compliance analysis with production-ready solution CUSTOMER PERSPECTIVE “The ability to execute is a critical success factor in any systems implementation. The partnership between i-flex and Oracle was important to us. We’ve had a long relationship with Oracle. and we knew that Oracle would stand behind Reveleus. but even more so given the timeline for implementation of Basel II.

Oracle Banking Solutions Next Generation Software That Helps Banks Effectively Grow Their Business and Optimize Performance From the Front to the Back-Office Develop Customer-Centric Processes Enable Flexibility to be Responsive to Market Needs Embed an Intelligent Compliance & Risk Mgmt Framework and Performance Measurement within the Business Innovate for Operational Effectiveness Evolve a Business Process Driven Enterprise Architecture CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

procurement and financials suites designed for FSI Reduce operational risk with comprehensive financial mgmt solutions End-to-End Financial Mgmt and Consolidations Suite Designed for FSI Manage projects more efficiently & effectively Robust Enterprise Project Portfolio Management Transform corporate procurement function Complete Integrated Procurement Solutions for Goods & Services with Strategic Sourcing Capabilities Most comprehensive spend management applications deployed on-site or hosted CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .Innovate for Operational Effectiveness Requirement Fully utilize employees as key company assets Oracle Capability The Oracle Difference Comprehensive Recruitment to Retirement Process Designed for FSI Only applications designed for FSI based on the world’s leading HCM and talent management solution World’s leading financials solution for FSI with multi-GAAP. IFRS & multi-book code processing Most fully integrated projects.

and control • Optimize asset portfolio mgmt CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract . heterogeneous sources • Enhance internal controls & auditability Analytics • Align operations with corporate strategy • Manage risk proactively • Collaborate across the enterprise Procure to Pay • Reduce spend on goods and services • Streamline procurement • Enforce policy compliance Asset Management • Improve asset visibility. tracking.Example: End-To-End Financial Management and Consolidations Suite Designed for FSI Reduce Operational Risk with Comprehensive Financial Mgmt Solutions Manual Entry Open Interfaces / API Excel (Web ADI) Dr Cr Subledger Invoices & Documents Receivables Payables Online Reconciliation Reporting General Ledger Subledger Accounting Financial Control & Reporting • Automate financial processing • Account for multiple.

renamed Westpac in 1982 • Leading provider of banking & financial services in Australia. and 8 Pacific island nations • Employees: 26.” Phil Chronican Chief Financial Officer CHALLENGES / OPPORTUNITIES • Adopt International Accounting Standards (IAS) by 2005 & Australian government plans to strengthen the financial reporting framework • Deliver productivity and operational efficiency via more integrated systems and processes • Operating 13 different general ledgers.Westpac Achieves 376% ROI COMPANY OVERVIEW • Australia’s first bank • Founded in Sydney.818 million CUSTOMER PERSPECTIVE “Oracle's approach to business systems.131 • Net profit after tax AU$2. Australia in 1817 as Bank of New South Wales. involving consolidation of data and shared service centers assists us in meeting our corporate governance goals. New Zealand. with month end book closure at 15 days SOLUTIONS • Oracle systems enabled Westpac to have a consolidated view of the business • Enabled substantial efficiencies in work practices RESULTS • 376% ROI achieved through cost reductions & productivity improvements • Batch processing speed improved by 40% • Month-end closure time reduced by over 50% • 13 charts of accounts consolidated into a single view of the company • Millions of transactions summarized down to about one million journal entries and posted to the ledger daily CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

Oracle Banking Solutions Next Generation Software That Helps Banks Effectively Grow their Business and Optimize Performance From the Front to the Back-Office Develop Customer-Centric Processes Enable Flexibility to be Responsive to Market Needs Embed an Intelligent Compliance & Risk Mgmt Framework and Performance Measurement within the Business Innovate for Operational Effectiveness Evolve a Business Process Driven Enterprise Architecture CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

phishing & identity theft Enterprise Security and Identity Mgmt Selectively consolidate legacy systems onto open standards platform Grid Computing and Enterprise Content Management CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract . Institutional and Private Banking Secure client data against fraud. insider access.Evolve a Business Process Driven Enterprise Architecture Requirement Deliver new banking services quickly to existing and acquired customers Oracle Capability The Oracle Difference Service Enabled Process Framework for Banking Only service-oriented architecture with a banking-specific data model and process library Only integrated KPIs & KRIs from data held in existing legacy banking systems Only integrated data & identity solution for operational risk management and regulatory reporting World’s largest and most reliable database and low-cost grid computing platform Make real-time decisions with know-your-customer data across all channels BI for Retail.

Service Enabled Process Framework for Banking Deliver New Banking Services Quickly to Existing and Acquired Customers External Internal Partner Apps Customers Partners BPO / Help Desk IT Staff Employees Compliance Applications Business Intelligence Activity Monitoring Workflow and Orchestration Corporate Applications Access and Identity Management Monitoring and Management Multi-Channel Loans ERP HR Integrate Intelligence and business workflow across solutions Advanced Networks & Data Encryption Provision and manage access Virtual Private Database Universal Customer & Product Masters Systems and Repositories Secure data and functions across networks OS (Unix) ECM Mainframe NOS/Directories Move from detection to prevention and integrate non-structured data Database and Audit Vault Auditing and Reporting Content DB Record Management CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

Dashboards Business Intelligence Bus. Teller. Activity Monitor WebCenter Framework Provision Enterprise Identity and Directory Services Identity and Access Authent Authorz Info Sec and Compliance Directory Encryption MultiMulti-Channel Networks and Presentation Services Customer Experience Online / Web 2. Process Modeler BPEL Process Manager Web Services Manager J2EE. including structured and unstructured content TimesTen In-Memory DB Product Systems and Transactions LDAP / Virtual Directory Virtual DB / Label Secur Database & Audit Vault Master Data Customer Org Entities Payments Instrument Infrastructure Data Services Grid/DB Mgmt SLA Mgmt Mainframe Enterprise Content Mgr Oracle Database Grid Enterprise Manager CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract . etc Partner Interfaces Business Insight Customer Insight Performance and Risk Operations Mgmt Process Integrate workflows across business and functional solutions Bus. Secure and Modern Platform Access Create multi-client presentation services and real-time analytics Portals. Rules & ESB Enterprise Services and External Interfaces (SOA) Security Secure data and processes to detect and prevent attacks Identity & Access Mgmt Banking Applications Retail Commercial Private Investment Corporate Applications Finance Risk HR Operations Data Manage all information. Bus.Banking Reference Architecture Agile.0 Kiosk. ATM.

ANZ Delivers New Wealth Mgmt Services in Record Time to Private Clients COMPANY OVERVIEW • Top 50 bank in the world. Assets: AUD$ 293 billion CUSTOMER PERSPECTIVE Rapid deployment of new solutions to ANZ’s high net worth clients at a lower cost CHALLENGES / OPPORTUNITIES • Growing pains as it sought to acquire other regional banks and to increase its range of services • Wanted to bring products to market faster.000+. leading provider of wealth mgmt services and online banking and trading • Employees: 30. Europe and North America • Retail. institutional. with operations and customers in Asia. using a rich web interface for its high net worth and internet savvy clients. allowing them to have real-time access to new offerings • Required secure system with easy integration with brokerage partners such as E*Trade • Acquisitions and existing IT investments required a solution that fit in with their heterogeneous back-office systems RESULTS • Wealth Management application delivered in record time • Faster speed-to-market for add-on customer services • Preserved investment in existing Web Sphere middleware • Smooth integration with E*Trade for online brokerage services • Hot-pluggable architecture for new standard interfaces SOLUTIONS • Oracle’s BPEL Process Manager Pending customer approval – Internal Use Only CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract . private bank.

Performance & Compliance Manage Corporate Assets Agile. Intelligent & Secure CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .Oracle Banking Solutions Summary Customer Centric • • • • Deliver Consistent Multi-Channel Customer Experience Increase Share of Customer’s Wallet Streamline Front-to-Back Office Processes Provide Integrated Sales and Service Core Banking Transformation • Reduce Time-To-Market for New Products and Services • Support Regulatory Needs • More Quickly Integrate Acquired Assets • Stay Compliant With Continuously Changing Regulations • Understand and Manage Enterprise Risk • Deliver Actionable Customer & Product Profitability Insight • Provide Seamless Integration of Systems • Optimize Workforce Management • Connect Financials to Better Measure and Monitor Results • Accelerate Development of New Services with a Open Standards Based Banking Platform • Improve Agility With Capability to Create Flexible Composite Applications Risk.

ESB Web Services Orchestration (BPEL) and Rules Engine Identity Mgmt Access Mgmt CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract . Risk & Compliance Risk Risk Based Based Decisioning Decisioning Risk Based Pricing Economic Capital/RAPM Third Party Customer & Business Insight Customer Customer Insight Insight Customer Analytics Channel Analytics Marketing Analytics Performance Mgmt Balance & Positions Fees & Commissions Compensation Reconcil -iation Lifecycle Management Marketing Selling Originating Servicing Retail Platform Internet Banking Teller Kiosk Call Center EBPP Commercial Customer Customer Experience Experience Team Selling Security Trading Order Mgmt Client Servicing Internet Banking Derivative Pricing Private Wealth Mgmt CRM & Marketing Lead Mgmt Financial Planning Call Center External External Interfaces Interfaces OFAC Check Order Market Feeds Order Entry On Platform Demand Product Product and and Transaction Transaction Processors Processors Risk Risk Management Management Operational Risk Market Risk Credit Risk ALM Deposits Loans Investments Savings Mortgages Cards (Credit / Debit) Deposits Trade Finance Asset Mgmt Investor Services Leasing Cash Mgmt Treasury Loans Payments Integration Mkt Data Portfolio Mgmt Compliance & Limits Performance Performance Management Management Exec Analytics Profitability Analytics/RAPM Funds Transfer Pricing Syndicated Structured Loans Derivatives Nostro Recon Lock Box Banking Payments Leasing Core Ledger Banking Custody Core Ledger Clearing & Trade Processing Settlement Master Data Management Customer Data Hub Product Hub Org Hierarchy Hub Accounting Hub Payments Hub Operational Operational Excellence Excellence Op Intelligence HR Analytics Budgeting Procurement Profitability Mgmt Fixed Assets Incentive Comp Real Estate Fed Wire SWIFT POS Credit Rating ACH Other Systems Compliance Compliance BASEL II & 1A AML Corporate Administration Enterprise GL Human Capital Mgmt Consolidation Projects Analytics Analytics Platform Platform Portal & Dashboards Business Activity Monitoring Business Process Analytics Enterprise Technology SOX Regulatory Reporting Rich Client F/W AJAX.Oracle i-Flex Oracle’s Banking Footprint Governance. Embed) Directory Services Enterprise Content Mgmt Web Services Mgmt J2EE Services. Memory. Web 2.0 Systems Mgmt Database (Grid.

Partners. and Platform CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .The Only Complete Banking Solution Platform Results Partners Process People Oracle Uniquely Delivers a Competitive Advantage by Leveraging People. Process.

700 application ISVs 5.000 middleware ISVs 9. support engineers and consultants 1.300 participants in early customer adoption programs 950 customers participating in Customer Advisory Boards 500 Industry & Product strategy council members CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .000 applications customers 220.People: Oracle’s Ecosystem Creates Advantage 30.000 Customers Benefiting from Shared Innovation 30.000 middleware customers 1.000 database ISVs 35 Fusion strategy council members 425 user groups 275.000 database customers 29.000 developers.

and compliance coverage including risk-based pricing. consumer & commercial leasing. deposit and credit / loan mgmt. reliable. and integrated account statements • Governance.Process: Top to Bottom Support for Banking #1 Enterprise Software Vendor • ERP. CRM. risk. operational risk assessment. SCM and more • Most scalable. and regulatory reporting • Performance mgmt incl.000+ development and support engineers • 145+ countries CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract . secure infrastructure • Most complete range of on-demand and on-premise deployment options Training Support Consulting Built-In Banking Capabilities • Core banking processes incl. profitability analysis and RAPM Applications Middleware Database Largest Software Support Team • 21.

000+ Customers Deployed • 70% of World’s 50 Largest Firms • $1B+ Business #1 Middleware By Share Highest Rated Only Vendor in Gartner and Forrester Leader Quadrants for All Middleware Components Oracle Leads the Pack Strong Contenders Performers Strong Most Comprehensive Industry's Most Comprehensive Platform for Developing. Content Mgmt BPEL Process Management Activity Monitoring Business Rules Engine SOA Management Business Intelligence Integrity Management IBM SAP Leaders Oracle Others Others 45% 45% Oracle Oracle 55% 55% Current Offering Microsoft IBM Novell SAP SUN Microsystems Market Presence Source: Gartner’s Market Share Application Integration & Architecture Weak Weak Strategy Strong Fastest Growing Middleware 40% 30% 20% 10% 0% Source: Forrester Research Ranking of Application Platform Servers 39. Collab.7% 7. Deploying & Integrating Enterprise Apps Rich Functionality ORCL J2EE Server & Dev Tools Enterprise Service Bus Portal.Platform: Oracle Fusion Middleware Leads the Market Best-Selling • 32.6% Growth Rates SOA Vendor of Choice Oracle 6.1% Microsoft SAP IBM 0% 5% 10% 15% 20% 25% 30% Oracle IBM Total Mkt Source: Gartner’s Market Share Application Integration & Architecture CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

Agenda • Leadership in Banking • Innovation in Industry Solutions • Results Achieved by Oracle Customers CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract .

What Customers are Achieving… “Our Multi-channel Program delivered by PeopleSoft Enterprise CRM. analytic applications.” “Performance Management is something that has to constantly evolve as your business evolves. and performance management. Our financial planning and analysis staff can fully perform their roles as analysts and work closer with their operational managers -with greater speed and flexibility.” “Oracle’s acquisitions of PeopleSoft and Siebel give it a more significant footprint in business intelligence (BI). the use of FLEXCUBE will allow us to gain efficiencies by standardizing our operating environment. enables every ABN AMRO Bank client to choose how and when they wish to communicate with us.” “As a global financial services company which is using technology to improve productivity and lower operating costs.” CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract . Oracle’s platform allows us to quickly modify rules and add fields to tables so that we can be very responsive to change.” “Oracle Financials lets us automate our planning process and data consolidation. This allows us to be trendsetters in our industry.

marketing and transaction solution pre-integrated with core-banking Only open standards core-banking solution enabling new products.The Oracle Difference Only Oracle… Only multi-channel sales. and multi-book code processing and process library Only service-oriented architecture with a banking-specific data model CONFIDENTIAL: All capabilities and dates are for planning purposes only and may not be used in any contract . relationship pricing and consolidation of existing systems Most complete end-to-end risk management solution extending into business operations and AML World’s leading financials solution for FSI with multi-GAAP. service. IFRS.