DATA ACTIVATE

Your data is an asset.

Generate a return.

DATA ACTIVATE Your data is an asset. Generate a return. 1

3  Introduction
3 You have the capability
4 Regulation has made you stronger

5 T aking control 10  Boosting 14  Consolidating 18  A clear case for

of business profitability and control transparent
6 Key objectives client performance 15 Macro and micro reporting
perspectives
7 Control through consent 11 Beyond regulation: 19 Discovery and
Growth 16 D
 ata lending, self-improvement
9 Valuation of data
data repo and data
12 Which business do 20 See-through and
investment
customers support? look-through
13 Engineering over 17 Integrated
21 Engage
evolution components

22  Conclusion 23 Oracle in action

22 I nvest your data into
your business
DATA ACTIVATE Your data is an asset. Generate a return.
24 Taking control of business
25 Boosting profitability
and client performance
26 Consolidating control
27 A clear case for
transparent reporting
28 O
 racle Financial Services
Analytical Applications
2
INTRODUCTION INTRODUCTION

TAKING CONTROL
OF BUSINESS
You have the  isk data should be
R
reconciled with the banks
BOOSTING
capability sources, including accounting
PROFITABILITY
AND CLIENT Regulation has enforced the need data where appropriate,
PERFORMANCE
for a single data governance regime, to ensure that the risk data
giving consistency and completeness
CONSOLIDATING of data. is accurate.
CONTROL

A CLEAR A bank should strive towards

CASE FOR
TRANSPARENT a single authoritative source
REPORTING
for risk data per each type

CONCLUSION
of risk.
ORACLE IN
ACTION Basel Committee on Banking Supervision (BCBS) 239:
Principles for effective risk data aggregation and risk
reporting section 6 (c) and section 36 (d).

DATA ACTIVATE Your data is an asset. Generate a return. 3

INTRODUCTION INTRODUCTION

TAKING CONTROL
OF BUSINESS
Regulation
has made
 rinciples focusing
P
on qualities such as
BOOSTING completeness, timeliness,
PROFITABILITY
AND CLIENT
PERFORMANCE
you stronger adaptability and accuracy
Having mined and refined the data
can have different meanings,
CONSOLIDATING necessary to comply with regulation, and potentially different
CONTROL it is time to make use of this new asset.
metrics However, this also
A CLEAR
CASE FOR
presents an opportunity to
TRANSPARENT
REPORTING
interpret these principles in a
manner that is both compliant

CONCLUSION
and adds real business value.
ORACLE IN
ACTION Deloitte: BCBS 239 A guide to assessing your
risk data aggregation strategies

DATA ACTIVATE Your data is an asset. Generate a return. 4

 Taking control
INTRODUCTION

TAKING CONTROL

of business
OF BUSINESS

BOOSTING
PROFITABILITY
AND CLIENT
PERFORMANCE
6 Key objectives
CONSOLIDATING
CONTROL 7 Control through consent
A CLEAR 9 Valuation of data
CASE FOR
TRANSPARENT
REPORTING

Take control of your business:

CONCLUSION
browse Oracle solutions
ORACLE IN
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 5

INTRODUCTION TAKING CONTROL OF BUSINESS

TAKING CONTROL
OF BUSINESS
Key objectives
BOOSTING
PROFITABILITY
AND CLIENT
INCREASED INNATE
PERFORMANCE FLEXIBILITY TRANSPARENCY
Virtualising and/or Giving every level of
CONSOLIDATING consolidating applications and management lateral and
CONTROL simplifying structures downward visibility

A CLEAR
CASE FOR
TRANSPARENT
REPORTING REDUCED CONTROL
COMPLEXITY Comprehensive, end-to-end
CONCLUSION management of information for
Homogenising the data
architecture to reduce cost and external and internal sources
ORACLE IN
complexity
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 6

INTRODUCTION TAKING CONTROL OF BUSINESS

TAKING CONTROL
OF BUSINESS
Control through  f the US$2.9 billion
O
expense savings that
BOOSTING
consent weve gotten through
PROFITABILITY
AND CLIENT The draw of compliance spend is so strong our efficiency efforts,
PERFORMANCE that capital freed up by spending cuts
within firms is being pulled in.
approximately 50%
CONSOLIDATING are being consumed by
CONTROL
additional investments
A CLEAR
CASE FOR
that were making in
TRANSPARENT
REPORTING
regulatory and

CONCLUSION
compliance activities.
John Gerspach, CFO, Citi

ORACLE IN
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 7

INTRODUCTION TAKING CONTROL OF BUSINESS

TAKING CONTROL
OF BUSINESS
Control through consent
Two levels of support are needed to make the investment in
BOOSTING
PROFITABILITY regulatory solutions bear fruit for the wider business.
AND CLIENT
PERFORMANCE

CONSOLIDATING
CONTROL

A CLEAR
CASE FOR
TRANSPARENT
REPORTING

CONCLUSION
FINANCIAL MANAGERIAL
ORACLE IN Investment set against a tangible An understanding of how a
ACTION return over regulatory goals company can grow through
better data

DATA ACTIVATE Your data is an asset. Generate a return. 8

INTRODUCTION TAKING CONTROL OF BUSINESS

TAKING CONTROL
OF BUSINESS
Valuation of data
BOOSTING
The value that can be realised from a more transparent and ACCESS TO NEW
PROFITABILITY malleable data architecture must be understood, quantified, INFORMATION
AND CLIENT
PERFORMANCE
and then outlined to all stakeholders in order to gain consent. CREATES
The change can be revolutionary. Access to new information ENTIRELY NEW
CONSOLIDATING
creates entirely new opportunities and ways of working. OPPORTUNITIES
CONTROL AND WAYS OF
Taking the enterprise forward will require a well-defined approach that matches WORKING.
A CLEAR the needs of individual business lines, as well as the wider business. To support
CASE FOR that approach, accessible data should be used to identify the profitability of business
TRANSPARENT
lines and clients.
REPORTING
This defines the capital markets firm of tomorrow rather than cross-subsidising
CONCLUSION every line of business through those profitable elements, a targeted approach
should be enabled.
ORACLE IN
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 9

 Boosting profitability
INTRODUCTION

TAKING CONTROL

and client performance

OF BUSINESS

BOOSTING
PROFITABILITY
AND CLIENT
PERFORMANCE
11 Beyond regulation: Growth
CONSOLIDATING
CONTROL 12 Which business do
customers support?
A CLEAR
CASE FOR
TRANSPARENT 13 Engineering over evolution
REPORTING

CONCLUSION
Boost your profitability
ORACLE IN and client performance:
ACTION browse Oracle solutions

DATA ACTIVATE Your data is an asset. Generate a return. 10

INTRODUCTION BOOSTING PROFITABILITY AND CLIENT PERFORMANCE

TAKING CONTROL
OF BUSINESS
Beyond regulation: Growth
BOOSTING
The cost of capital is increasing and regulatory requirements are EVERY PENNY
PROFITABILITY becoming more demanding. Every penny counts, whether spent COUNTS,
AND CLIENT
PERFORMANCE
or saved, but keeping track of those pennies, and their effect, is WHETHER
hard. A single source or aggregation point for data creates a fertile SPENT OR SAVED,
CONSOLIDATING
field in which a greater understanding of the business can grow. BUT KEEPING
CONTROL TRACK OF THOSE
Establishing a set of applications that can organise and analyse that information is
PENNIES, AND
a necessary first step to give information wider value. The granularity that has been
A CLEAR
CASE FOR required by stakeholders both regulators and investors can create enormously
THEIR EFFECT, IS
TRANSPARENT detailed pictures of business areas, allowing their profitability and the dynamics CHALLENGING.
REPORTING
that drive profitability, to be scrutinised.

CONCLUSION As the cost of capital rises for certain lines of business, informed decisions must
be made about their viability.
ORACLE IN
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 11

INTRODUCTION BOOSTING PROFITABILITY AND CLIENT PERFORMANCE

TAKING CONTROL
OF BUSINESS
Which business  e will want to understand
W
if there is significant cross-
BOOSTING
do customers subsidisation between primary
PROFITABILITY
AND CLIENT
PERFORMANCE
support? market activities and related
Regulators want the answer
activities or within primary
CONSOLIDATING to this question. market activities. We will also
CONTROL
want to understand whether
A CLEAR
CASE FOR
bundling or cross-subsidisation
TRANSPARENT
REPORTING
extends to secondary market
activities and whether [it] has
CONCLUSION
adverse effects on competition
and clients.

ORACLE IN
ACTION

Financial Conduct Authority, Investment and corporate

banking market study: Terms of reference, May 2015

DATA ACTIVATE Your data is an asset. Generate a return. 12

INTRODUCTION BOOSTING PROFITABILITY AND CLIENT PERFORMANCE

TAKING CONTROL
OF BUSINESS
Engineering over evolution
BOOSTING
Discovering you are aquatic when you need to be all-terrain gives HAVING GAINED
PROFITABILITY you the opportunity to adapt. Understanding your business, as VISIBILITY INTO
AND CLIENT
PERFORMANCE
well as its cash flows and interdependencies, reveals how your THE COSTS AND
firm needs to be engineered for its environment. RETURNS
CONSOLIDATING A FINANCIAL
An organisation can improve its own offering by evaluating risk and value carried
CONTROL
by individual desks or funds, then contextualising that information. Visibility into
INSTITUTION
the costs and returns associated with each counterparty and client, lets a financial CAN LOOK TO
A CLEAR
CASE FOR
institution look to the future with confidence. The next step is to take these insights THE FUTURE WITH
TRANSPARENT to the strategic level of the business, so that delivering value becomes a constant, CONFIDENCE.
REPORTING achievable goal.

CONCLUSION

ORACLE IN
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 13

 Consolidating
INTRODUCTION

TAKING CONTROL

control
OF BUSINESS

BOOSTING
PROFITABILITY
AND CLIENT
PERFORMANCE
15 Macro and micro perspectives
CONSOLIDATING
CONTROL 16 Data lending, data repo and
data investment
A CLEAR
CASE FOR
TRANSPARENT 17 Integrated components
REPORTING

CONCLUSION
Consolidate control:
ORACLE IN browse Oracle solutions
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 14

INTRODUCTION CONSOLIDATING CONTROL

TAKING CONTROL
OF BUSINESS
Macro and micro
BOOSTING
perspectives
PROFITABILITY
AND CLIENT
PERFORMANCE
A single view of actionable data allows many new
aspects of risk and business management to be
CONSOLIDATING
CONTROL understood and handled.That may require one
data set, or group of sets under a single regime so
A CLEAR
CASE FOR that the same data can be viewed at different levels
TRANSPARENT
REPORTING of detail, and from different positions.
CONCLUSION
You have data assets.You can value them.
ORACLE IN The next step is the investment process.
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 15

INTRODUCTION CONSOLIDATING CONTROL

TAKING CONTROL
OF BUSINESS
Data lending, data repo
BOOSTING
and data investment
PROFITABILITY
AND CLIENT To understand how risk and financial data functions as an A SINGLE
PERFORMANCE
asset, it should be considered in financial terms. A core data REGIME FOR
CONSOLIDATING
set, running in real time under a single regime, can be used DATA ALLOWS IT
CONTROL in multiple functions in relation to collateral, without ever TO BE VIEWED
being exclusively committed. FROM DIFFERENT
A CLEAR PERSPECTIVES,
CASE FOR
TRANSPARENT
The same single data set can underpin understanding of financial crime, operational
MAKING IT THE
risk and credit risk. The better it gets, the less need there is for blunt tools such as
REPORTING
collateral buffers.
STARTING POINT
FOR OVERCOMING
CONCLUSION Technology needs to become specialised to use the data in this model to scale
without creating duplication or inefficiency. Using this core strengthens the
PROBLEMS.
ORACLE IN firms data architecture by tackling financial crime and compliance management,
ACTION governance, risk and customer insight for users in the front office or the
board room.

Crucially this is achieved without any disruption to the back office.

DATA ACTIVATE Your data is an asset. Generate a return. 16

INTRODUCTION CONSOLIDATING CONTROL

TAKING CONTROL
OF BUSINESS
Integrated components
BOOSTING
Well-managed governance, risk and compliance guard against THE
PROFITABILITY exposure to money laundering, internal or external fraud and MANAGEMENT
AND CLIENT
PERFORMANCE
weakness in risk controls. OF RISK
BECOMES THE
CONSOLIDATING
The tasks that make up the business become easier as risk is more visible, more
MANAGEMENT
manageable and more comprehensible. Consequently, the management of risk
CONTROL
becomes the management of business. A componentised technology designed
OF BUSINESS.
to be integrated in a single architecture will deliver.
A CLEAR
CASE FOR
TRANSPARENT
REPORTING

CONCLUSION
STANDALONE A MODULAR USING PRE-
ORACLE IN
SOLUTIONS APPROACH INTEGRATED
ACTION can provide individual to systems is advisable in COMPONENTS
advantages, but lack the order to tailor investment. allows straightforward
efficiency of an integrated connectivity between
network of applications. these systems and leverages
the greatest value from
a common data model.

DATA ACTIVATE Your data is an asset. Generate a return. 17

 A clear case
INTRODUCTION

TAKING CONTROL

for transparent
OF BUSINESS

BOOSTING

reporting
PROFITABILITY
AND CLIENT
PERFORMANCE

CONSOLIDATING
CONTROL
19 Discovery and self-improvement
A CLEAR
CASE FOR 20 See-through and look-through
TRANSPARENT
REPORTING
21 Engage
CONCLUSION

ORACLE IN Gain transparent reporting:

ACTION
browse Oracle solutions

DATA ACTIVATE Your data is an asset. Generate a return. 18

INTRODUCTION A CLEAR CASE FOR TRANSPARENT REPORTING

TAKING CONTROL
OF BUSINESS
Discovery
and self-
 here are known
T
unknowns... things that we
know we dont know. But
improvement
BOOSTING
PROFITABILITY
AND CLIENT there are also unknown
PERFORMANCE
unknowns things we
dont know we dont know.

CONSOLIDATING
CONTROL

Donald Rumsfeld, US Secretary of Defence,

A CLEAR 2001 to 2006
CASE FOR
TRANSPARENT
REPORTING

CONCLUSION

ORACLE IN
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 19

INTRODUCTION A CLEAR CASE FOR TRANSPARENT REPORTING

TAKING CONTROL
OF BUSINESS
See-through and
BOOSTING
look-through
PROFITABILITY
AND CLIENT Being sure of what is known and unknown gives management THE
PERFORMANCE control over a business in all areas. From the capacity to look MANAGEMENT
through assets held by investment managers to the insight into FEEDBACK LOOP
CONSOLIDATING
CONTROL
specific trading desks at investment banks, there has never been SHOULD ENSURE
more clarity. THAT SENIOR
A CLEAR MANAGEMENT
CASE FOR
TRANSPARENT
A single set of data must also be managed, as it is efficiently moved and analysed
IS AWARE OF
across the enterprise with dedicated task-specific tools.
REPORTING THE FIRMS
That requires a set of outputs for regulators and managers which will deliver the
STATE-OF-PLAY
insights needed in as close to real time as possible. These must also be able to
CONCLUSION
handle massive historical data sets for more in-depth analysis.
AT ALL TIMES.
ORACLE IN The management feedback loop should provide reconciliation with internal and
ACTION
external outputs to ensure that senior management is aware of the firms state-
of-play at all times. It should also be synchronised with the view provided to
customers, stakeholders and regulators.

DATA ACTIVATE Your data is an asset. Generate a return. 20

INTRODUCTION A CLEAR CASE FOR TRANSPARENT REPORTING

TAKING CONTROL
OF BUSINESS
Engage
To grow on the back of the investment driven by regulation,
BOOSTING
PROFITABILITY senior management needs to take action.
AND CLIENT
PERFORMANCE

CONSOLIDATING
CONTROL

A CLEAR
CASE FOR
TRANSPARENT
REPORTING
ENGAGE ESTABLISH USE
CONCLUSION with stakeholders to get which functions can see those functions to gain
buy-in on the vision. the greatest return from an acceptance of the model
ORACLE IN
integrated approach. within the wider organisation.
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 21

INTRODUCTION CONCLUSION

TAKING CONTROL
OF BUSINESS
Invest your data into your business
BOOSTING Evaluating data as an asset gives a new
PROFITABILITY
AND CLIENT perspective on its potential. It is not static,
PERFORMANCE
and it should be applied to deliver a return.
CONSOLIDATING
CONTROL By forcing the refinement of data, regulation has
A CLEAR
made the underlying asset of risk management
CASE FOR
TRANSPARENT
a tool for wider business management. Risk
REPORTING
insights can be understood and used within
CONCLUSION every business decision.
ORACLE IN
ACTION
At a time of cost cutting, investing data into
the wider business is a route to growth.

DATA ACTIVATE Your data is an asset. Generate a return. 22

 Oracle in action
INTRODUCTION

TAKING CONTROL
OF BUSINESS

BOOSTING 24 Taking control of business

PROFITABILITY
AND CLIENT
PERFORMANCE 25 Boosting profitability and client
CONSOLIDATING
performance
CONTROL

26 Consolidating control
A CLEAR
CASE FOR
TRANSPARENT 27 A clear case for transparent reporting
REPORTING

28 Oracle Financial Services Analytical

CONCLUSION
Applications
ORACLE IN
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 23

INTRODUCTION ORACLE IN ACTION

TAKING CONTROL
OF BUSINESS
Taking control of business
Oracle Financial Services Analytical
BOOSTING
PROFITABILITY Applications Infrastructure
AND CLIENT
PERFORMANCE Oracle Financial Services Data Management
Oracle Database Enterprise Edition
CONSOLIDATING
CONTROL Oracle Data Integrator

A CLEAR
CASE FOR
TRANSPARENT
REPORTING

CONCLUSION

ORACLE IN
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 24

INTRODUCTION ORACLE IN ACTION

TAKING CONTROL
OF BUSINESS
Boosting profitability
BOOSTING
and client performance
PROFITABILITY
AND CLIENT Oracle Financial Services Analytical Applications
PERFORMANCE for Enterprise Performance Management

CONSOLIDATING
Oracle Financial Services Analytical Applications
CONTROL for Customer Insight
Hyperion Enterprise Financial Planning Suite
A CLEAR
CASE FOR
TRANSPARENT
REPORTING

CONCLUSION

ORACLE IN
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 25

INTRODUCTION ORACLE IN ACTION

TAKING CONTROL
OF BUSINESS
Consolidating control
Oracle Financial Services Financial Crime and
BOOSTING
PROFITABILITY Compliance Management Suite
AND CLIENT
PERFORMANCE Oracle Enterprise Risk and Finance
Oracle Financial Services Analytical Applications
CONSOLIDATING
CONTROL
for Enterprise Risk Management
Oracle Financial Services Analytical Applications
A CLEAR for Enterprise Performance Management
CASE FOR
TRANSPARENT Oracle Financial Services Analytical Applications
REPORTING
for Financial Crime and Compliance Management
CONCLUSION

ORACLE IN
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 26

INTRODUCTION ORACLE IN ACTION

TAKING CONTROL
OF BUSINESS
A clear case for
BOOSTING
transparent reporting
PROFITABILITY
AND CLIENT Oracle Business Intelligence Suite
PERFORMANCE
Oracle Financial Services Enterprise Risk Management Analytics
CONSOLIDATING Oracle Financial Services Regulatory Reporting Solution
CONTROL
Oracle Financial Services Financial Crime and Compliance
A CLEAR Management Analytics
CASE FOR
TRANSPARENT Oracle Financial Services Analytical Applications for
REPORTING Customer Insight
CONCLUSION Oracle Financial Services Data Management

ORACLE IN
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 27

INTRODUCTION ORACLE IN ACTION

TAKING CONTROL
OF BUSINESS
Oracle Financial Services
BOOSTING
Analytical Applications
PROFITABILITY
AND CLIENT
PERFORMANCE

CONSOLIDATING
CONTROL

A CLEAR
CASE FOR
TRANSPARENT
REPORTING

CONCLUSION

ORACLE IN
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 28

INTRODUCTION ORACLE IN ACTION

TAKING CONTROL
OF BUSINESS
Oracle Financial Services
BOOSTING
Analytical Applications
PROFITABILITY
AND CLIENT
PERFORMANCE

CONSOLIDATING
CONTROL

A CLEAR
CASE FOR
TRANSPARENT
REPORTING

CONCLUSION

ORACLE IN
ACTION

DATA ACTIVATE Your data is an asset. Generate a return. 29

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