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3. Taking the Oracle Banking Platform Forward at National Australia Bank and Suncorp Andy Orent, Vice President Aubrey Hawes, Sr. Director Product Marketing

4. 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.

5. Program Agenda • Oracle Core Banking Strategy • Oracle Banking Platform Overview • Case Studies: NAB and Suncorp Bank • Demonstration

6. Oracle FSGBU Addresses Six Distinct Core Banking Market Segments Domestic/Universal International Operations Wealth Islamic Direct/Virtual

7. Oracle’s Core Banking Strategy

8. To fill a shape with an image. Use existing picture box, DO NOT delete and create new picture box. Right click on the shape. At the bottom of the submenu select “Format Shape” Select “Fill” at the top of the “Format Shape” dialog box. Select “Picture or Texture fill” from the options. And select “File” under the “Insert from” option. Navigate to the file you want to use and select “Insert” On the “Format” tab, in the Size group, click on “Crop to Fill” in the Crop tool and drag the image bounding box to the desired size DELETE THIS INSTRUCTION NOTE WHEN NOT IN USE Oracle Banking Platform Overview

9. Oracle Banking Platform • Providing a holistic view of the customer relationship across all products & services • Pricing, Managing credit limits & collateral at relationship level • Incorporating customer/relationship data into servicing business rules • Industrialize banking, streamlining and automating business processes • Driving productivity improvements across front and back office • Enabling service hub and sourcing strategies (process management and role based processing both critical enablers) • Reducing overall operating costs and improving business profitability • Enabling growth and increasing top line revenues • Enhanced product origination (multi-product & packages) increasing products/customer • Improved customer servicing increasing overall customer satisfaction and propensity to buy • New distribution strategies (multi-brand/entity, white-labelling) designed to tap new segments, new markets • Oracle’s Banking Platform is engineered for banking... • Native SOA design • Business process based architecture • Key services (security, customer, etc.) “externalized” and able to be used as enterprise capabilities

10. Oracle Banking Platform Core Oracle Banking Platform Capability Complementary capability by Oracle 3rd party not provided by Oracle

11. Oracle provides a single Deposits platform supporting Retail Banking… Business Segments • Retail: Consumer, HNW, Private Bank & SME Types of Products • Savings & Term Deposits (fixed term, variable term, cumulative, indexed linked, regulated savings) • Transaction, Checking and Current Accounts with/without Overdraft facility, Money Market accounts Account Management • Service charges & waivers • Standing Orders, Direct Debits, Payments & Remittances • Stops, Holds, Sweeping & Pooling of funds • Check Books & associated inventory management • Statements • Account access & exclusion rules Business Processes & Exception Handling • Rule based, automated exception management • Un-posted and suspense account processing • Dormancy, unclaimed & inoperative account management • TD funding, maturity, rollover, prepayment & penalty processing • Multi product & bundled origination • Interest rate & fees exception / authorization • Overdraft & limits management • Value Dating • Configurable action on exceptions alerts

12. … and lending platform optimizing service, productivity and cost of back office processing Business Segments • Retail: Personal, HNW, Private Bank & SME Types of Products • Margin Loan Account • Split Loans • Secured / Unsecured Loans and Lines of Credit • Home equity (loan / line), personal, auto • Offset Arrangement (Principal or Interest) Servicing • Value dating of repayments • Reschedule, restructure based on change of rate, term and installment • Payoff simulators • Rules based automated funds appropriation • Asset classification • Arrears management • Automated provisioning & accounting • Manage loan variation – limit modification, splits, swaps, consolidation • Manage repayments – scheduled, ad-hoc, partial, early and final • Manage collateral re-valuation, re-allocation • Loan redraw • Fees & waivers • Event based alerts – banker, customer

13. Enabled by “Enterprise Capable” Foundational Services Party: Multi-dimensional “relationship” or party model, core to customer centricity in business rules Pricing: Dynamic enterprise pricing capability covering fees, charges, commissions, taxes & interest rates Limits: Enterprise capability to establish, track & monitor exposures at various levels (e.g. customer, relationship, industry, etc.) Collaterals: Collateral allocation, management and revaluation Product Manufacturing Unit: Product configuration & life cycle management for Oracle based banking products; inclusion of non-oracle products enables enterprise wide Origination capability Bundling/Offers: Enterprise capability for definition of product/service bundles & associated pricing Alerts: Sophisticated, configurable, event-based alerts capability, with alerts sent to customers and/or bank staff through chosen media Document Management: Electronic repository of all relevant documentation

14. Oracle Banking Platform Core Oracle Banking Platform Capability Complementary capability by Oracle 3rd party not provided by Oracle

15. Oracle CX Solution goes Hand in Hand with the Common Origination Platform Experience Applications (CX) Social Analytics Chat / Co-Browsing Web Self Service Personalization Customer Interaction Mgmt Monitor Analyze Engage Operational Applications (CRM) CRM - Sales CRM Service Email Mgmt Knowledge Mgmt Marketing Loyalty Real Time Decisioning Determination Engine Social Marketing Master Data Management (MDM) Unstructured Data Discovery Customer Master Interaction Capture Preferences Quality & Governance OBP Services Team Collaboration Channel Services Origination Servicing Alerts Real Time Relationship Pricing Bundling Agile Product Design BI Analytics Technology Portal Content Security Middleware BPM Extreme Performance

16. To fill a shape with an image. Use existing picture box, DO NOT delete and create new picture box. Right click on the shape. At the bottom of the submenu select “Format Shape” Select “Fill” at the top of the “Format Shape” dialog box. Select “Picture or Texture fill” from the options. And select “File” under the “Insert from” option. Navigate to the file you want to use and select “Insert” On the “Format” tab, in the Size group, click on “Crop to Fill” in the Crop tool and drag the image bounding box to the desired size DELETE THIS INSTRUCTION NOTE WHEN NOT IN USE Case Studies NAB and Suncorp Bank

17. Case Study: National Australia Bank, an early adopter of Oracle Banking Platform, executing full retail transformation Source: NAB Annual Review 2012

18. NAB and UBank • NAB’s Direct Bank • Launched Oct 2008 • Operates branchless/ standalone from NAB channels • Limited product set • Targeting specific customer segment • Taking leadership position in service and useability • Has raised significant deposits since launch • First user of new enterprise technology platform One of Australia’s large banks Top 50 globally AA rated senior debt 4 million customers ~$81AUD Billion market cap $5.4 Billion net profit (2012) Banking, Wealth Management, Insurance Operates in Australia, New Zealand, USA, Hong Kong, Singapore, Japan, UK

19. An All New U

20. Case Study: Suncorp Bank, an early adopter of Oracle Banking Platform, replacing its Hogan banking platform

21. To fill a shape with an image. Use existing picture box, DO NOT delete and create new picture box. Right click on the shape. At the bottom of the submenu select “Format Shape” Select “Fill” at the top of the “Format Shape” dialog box. Select “Picture or Texture fill” from the options. And select “File” under the “Insert from” option. Navigate to the file you want to use and select “Insert” On the “Format” tab, in the Size group, click on “Crop to Fill” in the Crop tool and drag the image bounding box to the desired size DELETE THIS INSTRUCTION NOTE WHEN NOT IN USE Demonstration

22. Demonstration #1Application Capture

23. Demonstration #2Processing & Fulfillment

24. Key Considerations Absolute clarity and agreement as to “the business problem being solved” Strong business sponsorship and strong, effective program governance A strong business case, with broad benefits ensuring organizational buy-in Program scope must result in retirement of legacy platforms, otherwise IT portfolio just gets bigger & more complex Mindset of “limited customization”, leverage the vendors R&D, Focus on things that create  differentiation…don’t focus on things that are commodities Leverage Vendor’s capabilities and product roadmap Progressive Modernization strategy takes account of speed, risk, change management and benefits realization