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Financial Services Oracle Ibérica S.R.L.

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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.

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Program Agenda

Introduction

Cloud Strategy

Customer Experience

Big Data

Digital Transformation

1

2

3

4

5

Oracle Confidential – Internal/Restricted/Highly Restricted 4

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Introduction Financial Services Strategy from Oracle

Financial Services Oracle Iberica S.R.L.

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More competition means increasing price pressure

Shrinking margins impacting the bottom line

Increased claims exposure

More competition driving “Speed to Market”

Regulatory activity driving pace of innovation

Compressed net interest margins

Market Scrutiny on Risk Management

Consumers go Mobile and Social

6

Searching for new models for revenue

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Risk & Regulation

Customer Experience

Market Pressures

7

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Risk & Regulation

Customer Experience

Market Pressures

8

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20% 17%

Time company heads spend dealing with compliance and regulations

IT Spending goes

towards Risk

Source: A survey by recruitment consultancy Robert Half of 50 CFOs and 50 COOs, 2012

Source: IDC “Pivot Table: Worldwide IT Spending 2013-2017 – Worldwide Risk IT Spending Guide, 1H13,” April 2013

Compliance, Risk and Regulations

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Management Reporting

& Analytics

Regulatory

Reporting

Enterprise Risk and Finance: The Approach

Data

Preparation

Data

Sourcing Accounting Analytical

Enrichment

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Risk and Compliance with Confidence

Bringing Together the Architecture

Strong Risk and Compliance Culture

Actionable Insight and Focus

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Market Pressures

Customer Experience

Risk & Regulation

12

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89% of customers have switched to a competitor

43% of customers say they’ve had a positive experience

49% of executives think customers will switch

80% of executives believe they provide good CX

13

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Copyright © 2014 Oracle and/or its affiliates. All rights reserved. | 19

40% of customers use social networking today

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40% of customers use social networking today

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Market Pressures

Customer Experience

Risk & Regulation

21

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Industry Needs to Improve Margins • Achieve sustainable 12% ROE

Low Interest Rate Environment

Compressed Net Interest Margin

Reduced Fee Income (Dodd-Frank)

More Demanding Customers

Expensive Legacy Systems

Onslaught of Regulation

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63% 21% 16%

Run the

Business

Grow the

Business

Transform the

Business

Source: “IT Metrics: IT Spending and Staffing Report, 2012”, Gartner Research, 2012

1 in 4 of the Top 100 banks have sustainable cost to income ratios

under 45%

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Complexity of IT

Multiple Systems

Siloed Cross-Channel Experience

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Financial Services Priorities

58%

43%

37%

36%

30%

Forrester, “The Transformation Imperative in Financial Services Defies Any Crisis,” November 2012

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Enterprise Capabilities

Business Functions

Technology Services

26

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Enterprise Capabilities

Business Functions

Technology Services

27

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28

Enterprise Capabilities

Business Functions

Technology Services

Enterprise Capabilities

Business Functions

Technology Services

Collaboration

Portal

Identity & Access Management

Servers

Storage

Engineered Systems

Security

Mobile

Big Data

Cloud/PAAS/IAAS Enterprise Data Management & Analytics

Business Process Management

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Be competitive and Compliant

Oracle Confidential – Internal/Restricted/Highly Restricted 29

• Grow your business

• Build around your customer

• Respond to market event quickly

• Respond easily to regulations

• Manage the Risk

• Gain Insight, Plan ahead and act with confidence

Customer Experience

Modernization

Risk and Finance

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

Program Agenda

Introduction

Cloud Strategy

Customer Experience

Big Data

Digital Transformation

1

2

3

4

5

Oracle Confidential – Internal/Restricted/Highly Restricted 31

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