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Pal Ribarics – EU Enlargement Countries Solition Team, Financial Services Mobil : +36 309 712 028 [email protected] @f d m c `

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Customer Tenure ò Customer Value Depth of Relationship ò Customer Value Customer Wealth ò Customer Value Customer Balance ò Customer Value

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20% Moving 1/3 of the zero profitable % of client base customers up one segment generates an increased client profit contribution of $75m per year 15%

10%

5%

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Incremental revenue due to OFSA profitability Profit management project ‹ 10 % profit increase in the top 5 class Total Profit Targeted selling ‹ + 10 % new customers 18 % increase in profit ‹ 2 times more from the top 5 group

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Interest Income 600 Interest Expense 500 Net Interest Earnings 100 Services Fees 25 Professional Services Fees 20 Dealing commission 45 Total Fee Income 90 Account Management Expense 60 Brokerage Expense 30 Other Service Expenses 50 Total Expenses (140) Contribution 50 Capital Charge (35) Profit 15 Across Many Dimensions

Account

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Account Branch Officer

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Produc Customer t

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Total SBU’s Bank Detail Level Business Benefits Profitability Solution

• Multiple views of profitability measurement are internally consistent because profitability is calculated and stored at account level • Accurate profitability measures through Activity Based or Standard Costing measures • Allows the identification of the most profitable customers • Risk Based Capital and other attributes can be stored at the account level • Non financial measured linked directly to customer activities that drive profit PPrroodduucctt TTrarannssfefer rP Prirciciningg

PPeerfroformrmaannccee A Annaalylyzzeerr EDW

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RRisiskk M Maannaaggeerr Other

DDisisccoovveerererr RReeppoortrsts OOLLAAPP Value Engines

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• Comprehensive Data Model • Oracle System Administration OFDM • Oracle Balance and Control OFDM • Discoverer Integrator • Oracle Rate Manager • Reports Starter Kit Financial Data Manager

Reporting End User Layer

Value Engines Chart of Accts Hierarchies Business Rules Other Meta

GL Data Transactions

Account/Customer Data TTrarannssfefer rP Prirciciningg

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Loan/Asset

Credit Rate Internal Transfer Spread Pricing Curve TP cost

Funding Spread Deposit/Liability Term TTrarannssfefer rP Prirciciningg

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Value Engines TTrarannssfefer rP Prirciciningg

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Value Engines RReeppoortrsts

Publish to the Web

DDisisccoovveerererr OOLLAAPP Direct Access to the Relational Tables

OFSA

Consolidate into Multi-Dimensional Framework CCuussttoommeerrss OFSA Customers

Bank of Bahrain & Kuwait (Bahrain) Amsouth National Bank of New Zealand KBC (Belgium) Astoria Federal Banco Santander KomercniBanka(CzechRepublic) Bank One (First Chicago) Asahi Bank (Japan) Egyptian American Bank (Egypt) Bank of Hawaii Tokyo Trust Bank (Japan) CIB (Egypt) First Hawaiian Chuo-Mitsui Trust Bank (Japan) Israel Discount Bank (Israel) Comerica Commercial International Bank Generali (Italy) Chevy Chase Bank Bank of Tokyo Mitsubishi (Japan)* Housing Bank of Jordon (Jordon) Fidelity Sumitomo Mitsui Bank (Japan)* Clearstream (Luxembourg) FHLBSF Bank of Colombia State Bank of Mauritius (Mauritius) First American National Bank Central Bank of Colombia ABN AMRO (Netherlands) First Union Mastercard Banco Commercial Portuguese (Portugal) GMAC Kemper Insurance Banco Nacional de Credito Imobiliario (Portugal) Michigan National Republic Insurance BancoInternational de Credito (Portugal) National City Bank Bank of America BancoEspiritoSanto (Portugal) Northern Trust Commonwealth Bank BSF (Saudi Arabia) Ohio Savings Bank St. George Bank (Australia) Caja Duero (Spain) Republic National Bank of New York Bangkok Bank (Thailand) Abank (Alternatifbank œ Turkey) Sanwa Bank California Bank of Asia (Thailand) Akbank (Turkey) South Trust Siam Commercial Bank (Thailand) Disbank (Turkey) Star Bank ChoHung Bank (Korea) Ege Bank (New Name Oyakbank œ Turkey) TransAmerica Consumer Finance Housing & Commercial Bank (Korea) Finansbank (Turkey) Union Bank California Industrial Bank of Korea (Korea) Kocbank (Turkey) USAA Gwang JuBank (Korea) Oyakbank (Turkey) Wachovia NACF Bank (Korea) Co-Operative Bank (UK) Washington Mutual KDB Bank (Korea) Abbey Natinoal (UK) Zions Bank Corporation Shin Han Bank (Korea) Chase Manhattan (UK) CaisseDesjardins Daewoo Securities (Korea) Lloyds TSB (UK) Canada Trust DaeHanInvestment Trust Securities Yorkshire Building Society (UK) Royal Bank of Canada (Korea) Merrill Lynch Toronto Dominion Korea Exchange Bank (Korea) Hungtington Bank (US) Citibank Australia Hyundai Capital (Korea) Hanak (Korea) Westpac Trust (New Zealand) LG Securities (Korea) US Bank œ Firstar (US) Bank West (Australia) DaeguBank (Korea)\Perwira Affin Suncorp Metway (Australia) Bank (Malyasia) Metropolitan Bank and Trust Co. Royal Sun Alliance (Australia) MakatiCity Q d b d m sv hm r

•Erste Bank Group •Raiffeisen Bank Group TThhee FFuuttuurree E-Business Suite Integration

FFininaanncciaialsls E-Business Suite Unified Data Model

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Workflow, Security, Concurrent Mgr Metadata Management (CWM) Enterprise Information Hub: FEM Data Model

Oracle E-Business Suite

Corporate Performance Management

OFSA Applications

Customer FEM Data Model Management Ledger Account FEM_BALANCES Tables … Dimensions & Statistics Hierarchies Summary Data Tables FEM_DATA1 … 20

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