ORACLE商业银行解决方案课件.ppt

1、Oracle in theBanking IndustryKnow More.Do More.Spend Less.The Financial Services Value ChainProductProviders&ChannelsSuppliersCustomersClearinghousesExchangesOther.Industry DriversAggregate informationfrom consolidated entitiesGlobalizationDeliver innovative productsProvide flexible offeringsNewComp

2、etitorsMeasure customer profitabilityReduce costsMarginPressureProvide timely,accurate infoMeet new requirementsRegulationSuppliersProductProviders&ChannelsCustomers.Industry TransformationRedundant and Discrete SystemsManual,Paper-BasedService ModelBatch Reporting Basedon Fragmented DataProduct Cen

3、tricInefficient Internal SilosGlobal,Integrated SystemsStreamlined and Intelligent Customer Interaction Across All ChannelsProactive Analysis Based on Integrated DataCustomer CentricAutomated,IntegratedAdministration.Increase Profitability-Create One View of the Customer-Identify and Segment Custome

4、r GroupsImprove Efficiency-Streamline Internal Processing-Improve Customer Service DeliveryManage Risk-Ensure Capital Adequacy-Drive Operational OversightIncreaseNon-Interest Income10%Interest Margin 19 Basis PtsROE280 Basis PtsCust.Profitability18%DecreaseCustomer Attrition22%Call Center Turnover 3

5、3%New Product Dev.Time 75%Time to Close Books50%.How?Comprehensive E-Business SolutionProvide Core System PlatformConsolidate Customer and Product Offering InformationDeliver Enhanced AnalyticsIntelligenceTechnologyConsulting Services.Oracle Banking SolutionsEnable you to:Provide Scalable,Flexible T

6、echnology Infrastructure Drive Customer to Personalized,Profitable Offering Improve Performance Mgmt,Reporting and Compliance Standardize and Streamline Internal Business Operations IntelligenceTechnologyConsulting Services.DataServerApplicationServerFoundation:Oracle Technology.9i/9iAS BenefitsSupp

7、ort World-Class,Scalable Solutions Build Flexible,Customer-Centric Systems with PartnersScale to Meet Any VolumeModularize Core SystemsConnect Externally Facing Processes to Internal SystemsStreamline Process ManagementIncorporate 3rd Party Systems and Transformation EnginesAdopt World Class Securit

8、yReduce Hardware&Staff CostsAutomate Links Between SystemsReduce Manual InterventionQuickly Introduce New Product Offerings Leverage New ChannelsReduce Number of VendorsEasily Incorporate Software Components.Scale to Meet Any VolumeCost Effective,Compute and Storage CapacityScale with High Availabil

9、ity&Minimal Downtime Bring new servers online while existing servers continue to operate Ensure high availability;each server acts as a backup for every other serverLower Your Total Cost of Ownership(TCO)Delay hardware and software spending Buy less expensive commodity servers Consolidate servers/cl

10、usters Increase support resources only when neededSupport All Types of Applications Update-intensive OLTP Read-intensive data warehousingTimeWorkload Rqmts.Leverage out-of-the-box common services Calendar,Interaction History,TCA,Work Flow,E-mailIntegrate multiple transaction enginesAct as platform f

11、or future innovationInclude in-house and third party systemsIncorporate non-transaction services&appsFinancials,GL,CRM(including Oracle Applications)ChannelProcessingSystemsIntegrate Backend Processing SystemsAutomate Secure Handling of Composite Transactionso o o o o o.TransactionCreatedProcessingS

12、ystemsInitiate SessionPull up Customer ProfileProvide Appropriate MenuAutomate DecompositionRoute TransactionHandle SecurelyEnsure Formatted CorrectlySupport NumerousBusiness ProcessesDriven by EventsIncorporate Quality Controland Compliance MeasuresIntegrate Backend Processing:ExampleAccurately and

13、 Quickly Meet Customer Requests.Multiple Integration Approaches Apply the Right Capability to Meet Your ObjectiveSelf-Service Reduce cost and time Maximize effectiveness of electronic channels Reduce customer churn Improve customer choiceWorkflow Reduce delays Speed approvals Enrich and repair trans

14、actions Flag and escalate exceptions Increase automationand quality controlMessaging Reduce integration costs Securely and efficiently connect systems Reliably automate transaction flows Leverage industry standards including:SWIFT IFX FPML FIX.Oracle Banking SolutionsEnable you to:Provide Scalable,F

15、lexible Technology Infrastructure Drive Customer to Personalized,Profitable Offering Improve Performance Mgmt,Reporting and Compliance Standardize and Streamline Internal Business Operations IntelligenceTechnologyConsulting Services.Foundation:Common Data ModelCapture All Customer Information in a S

16、ingle Location Target customers more effectively(e.g.up-&cross-sell opportunities)Route customers to the right channel/team member for interactions Increase accuracy and efficiency via multi-channel integrationSatisfaction IndicatorsCustomer CriticalityProfitabilityProductsTransaction ActivityIntera

17、ction HistoryQuotesContact InformationCampaign ResponsesOffer InformationPayment/Credit HistoryService AgreementsCommonCustomerInformationInteraction ChannelsReal-Time Delayed.Determine Target SegmentsUnderstand Behavior Based on Quantitative Analysis Mine Activity and Profitability Data Determine c

18、urrent activity patternsCalculate value of total relationshipEstablish categories of customers(segments)Predict Future BehaviorForecast most likely future purchases Identify customers most likely to leave Prioritize Segments Define pools of similar customersDecide which pools are most attractive to

19、target.Define Products for SegmentTarget Customers with Personalized,Profitable Offers Determine Product Mix to Match Group ProfileRiskDurationRates Envision Campaign to Attract Target SegmentCustomer Group 1Customer Group 2.Develop&Track Marketing CampaignAttract and Retain Profitable Customers Ass

20、ign based on lead qualification and rating Review activity by broker or agent Handle application,approval,underwriting/origination Establish new account or close sale Adjust campaigns mid-cycle as necessary Drive consistent global branding for all channels Review results and redirect marketing as ne

21、eded Link costs and revenues to determine ROI Plan and budget marketing campaign Improve response to marketing offers.Enable Multi-Channel SellingSales/Customer IntelligenceGlobal ForecastingComplete,Accurate Info UnifiedChannelsTele SalesPartnerIn PersonWeb SalesAssess&Qualify LeadCreate/Route Oppo

22、rtunitySelect&ConfigurePriceContractCreate QuoteOrderCompensateCheckAvailabilityCheck CreditProductivityFlexibilityThe Deal Select and Use Your Own Methodology Identify and Capture Tasks to Perform During Sales Cycle Sort Tasks(Priority,Due Date,Status,Etc.)Perform Win/Loss Analysis to ImproveForeca

23、st Accuracy Track Value of Potential New Sales.Maximize Every Customer ContactReduce Handling Time&Explore Add-On ServicesProvide multiple integrated customer interaction channels(internet,telephone,email,direct mail)Collect information from customer or via customer service representativeDetermine s

24、pecific customer issueCritical information/knowledge tools available to customer service representative to determine accurate solution to customer issueProvide customer with accurate,first call resolution and confirm satisfactionCapture interaction in common data repository for analysis&reportingPro

25、mpt representative to offer“value-add”product or svc to satisfied customerIf accepted,ability to transfer to appropriate sales agent or take applicationCapture complete customer interaction in the common data repositoryAutomatically send,if required,any fulfillment information or documentation.Oracl

26、e Banking SolutionsEnable you to:Provide Scalable,Flexible Technology Infrastructure Drive Customer to Personalized,Profitable Offering Improve Performance Mgmt,Reporting and Compliance Standardize and Streamline Internal Business Operations IntelligenceTechnologyConsulting Services.What is Corporat

27、e Governance?Oracle Helps Drive Compliance through Visibility,Control,and Efficiency for Accurate Analysis Senior mgmt personal liability for financial result accuracy Senior mgmt and outside auditor attestation to the effectiveness of internal controls Accelerated SEC filing deadlinesSarbanes Oxley

28、 Act(SOX)International Accounting Standards(IAS)Adoption of consistent accounting standards across the extended enterprise Public disclosure of additional financial reports/documents Simultaneous reporting with multiple accounting methods if neededFor all U.S.companies and companies issuing securiti

29、es in the U.S.For all companies traded on many non-U.S.stock exchanges.Summarized Information for Managerial ReportingDrill to Details for Analysis&ReportingMaintain Detail in Common RepositoryEnterprise-Wide Visibility via Single Source of TruthAccess Accurate,Relevant Information Across the Organi

30、zationPersonalized Reporting in Any Format:.Support Global Financials Consolidation Increase Insight&Reduce Administrative Cost Use a Single Ledger for All CurrenciesConvert,revalue,andre-measure with GAAPTriangulate EurotransactionsView and report in multiple currencies Include Localizations for 43

31、 Countries Support 30 Languages Leverage the InternetProvide easy,secure self-service access Use Shared ServicesGain economy of scaleEnforce consistent business practices Perform Enterprise-Wide Transactions Provide Visibility Across All Management Levels Operate withMultiple Ledgers Accommodate loc

32、al requirementsConsolidate for complete reportingand analysis Reduce ReconciliationEffortApprove inter-org transactionsReport across orgs.Integrate and Centralize Business Operations Simplify global processes and procedures Provide multi-dimensional view of risk and operational/financial results Sta

33、ndardize data,processes to your worldwide visionEnhance Internal ControlCentrally Manage Policies,Procedures&ReportingControl Corporate Communications Store integrated voicemail,email,calendar,files,and wireless/voice communicationsValidate Internal Controls Identify IC risks&enforce controls by pro

34、cess,location Automate quarterly compliance of financial statementsMonitor Business Issues Know what is happening as it happens Extensible,eliminate need for customizationSupports GAAP,STAT,EU Capital Adequacy(Basel II Accord)Document Processes&Support Compliance Meet global regulatory reporting req

35、uirements Establish and model risk and capital requirements Certify employees,track training and measure impact.Penetrate New Markets,Serve Customers Local NeedsThink GloballyConsolidate Datafor Complete IntelligenceDrive Implementation of Consistent StrategyAct LocallyUse TransactionalSystems for D

36、aily Mgmt.Allow Autonomy to Act/React QuicklyProvide Subsidiary Flexibility&Maintain Corporate Control.Increase Operational EfficiencyConsolidate and Reconcile Data for Real-Time ResultsAutomated BusinessProcessesIntegrated Technology&ApplicationsConnect Internal Processes(e.g.Self-Svc Expense Repor

37、ts,Time Cards)Extend to Customers&Suppliers(e.g.Orders,Invoices)YourCompanyCustomers&SuppliersOrdersInvoicesPaymentsRequisitions HR Financials Sales Planning Manufacturing Logistics OLAP Data Mining ETL Foundation Table Compression Portal BI Beans ETL Tool Web Site Analysis Query&ReportingSimplify I

38、T Infrastructure.Multi-Step Allocations forCalculationsFunds transfer pricing Cash flow and pooled transfer pricing methodologiesNet interest margin contribution by customerAttributes(cost,risk,etc.)stored at account level for accuracy and consistency Framework to Evaluate in Multiple DimensionsCust

39、omer,account,channel,product,line of businessAnalyze Profitability and PerformanceMove to Risk-Adjusted Reporting Pre-Arranged MetricsReal-time operations statisticsCustomized to your business Ad-Hoc Analysis-Drill into details(on-line or download to spreadsheet)Financial ReportingFrequently updated

40、 Income Statement and Balance Sheet Management ReportingPerformance indicators viewed via customized portalAnalyze and ReportAllocate.Determine Segment&Channel ProfitabilityIdentify Sources of Profitability to Make Better Decisions Store Information at Account LevelCost allocations and revenueCost c

41、enterCustomer and segment Select a Dimension for Analysis Aggregate Relevant Account Data Based on Selected Dimension Gain Consistent RepresentationAcross all Dimensions“Huntington Bank now has detailed views of profitability for customers,households,accounts,and productsincluding rankings and indic

42、ators of at risk.”-Kathleen Khirallah,The Tower Group“We can slice and dice revenue and cost to quickly identify which businesses,products and customer segments add value,so we can tailor our business strategy.”-Chris Matten,CFO,OCBC.Develop Accurate SimulationsEvaluate multiple scenariosUse account

43、 level cash flow calculations Improve Hedging,Swap,and Option Strategies Strengthen Balance Sheet Positions Reduce Preparation Time for Asset Liability Committee MeetingsProactively Manage RiskMeasure Risk Embedded in Balance Sheet.Effectively Address Capital RegulationsIncrease Capital Levels,Decre

44、ase Risk Meet Minimum Capital Requirements Establish Internal Supervisory Review Process Ensure increased Market DisciplineTo control risk Collect&Store DataTransactions,customers,assets,operations Calculate and Add Details of Risk&Capital Requirements Model and ReportInternally&externally Manage Le

45、vel of Bank Reserves Understand Capital Reserves Meet Regulatory Deadlines&Gain Competitive AdvantageActivitySolutionRequirement.Oracle Banking SolutionsEnable you to:Provide Scalable,Flexible Technology Infrastructure Drive Customer to Personalized,Profitable Offering Improve Performance Mgmt,Repor

46、ting and Compliance Standardize and Streamline Internal Business Operations IntelligenceTechnologyConsulting Services.Standardize and Streamline OperationsIncrease Visibility,Decrease ExpensesYour Institution.Integrated IntelligenceIntegrated Back-Office OperationsBusinessFlowsSelf-Service Interacti

47、onIntegrated Purchasing&Contract MgmtComprehensive Financial Management Maximize Profit Through Integrated Business Flows.Analyze and Control Real Estate FinancesImprove Retail,Franchise,Property Management Improve Payment and Billing Processes Automate Administration of Leases Optimize Space Utiliz

48、ation Avoid Unnecessary Rental Costs and Loss of Sites Prevent Recovery Leakage Improve Cash Flow.DRAFTCollaborationPortalMessaging:XML/EDIOrdersChangesShip NoticesInvoicesProcurementProcessAutomationSourcingProcure Goods and ServicesUse Self-Service to Speed Requests&Reduce CostsIntegrated Intellig

49、ence.Coordinate Global Workforce Optimize Resources,Ensure Regulatory Compliance Track employee competencies(behavior,training,skills)Know what each employee is qualified to sell Deploy resources to meet organization needs Integrate development and compensation plans Access and analyze real-time,con

50、solidated data Leverage performance indicators designed for different roles Use same information structure presented in local languages Qualify staff to handle customer business&avoid mis-selling Determine training strategies and appropriate locations Measure and refine learning process and content