Oracle Financial Services Risk Management
Oracle’s financial services risk management software helps improve how you measure, manage, mitigate, and report risk across your organization. Our financial services risk management software spans credit, market, liquidity, interest rate, and business risk to provide you with a single, consistent view of risk and performance
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Explore Oracle financial services risk management features
Drive strategic decision-making and strengthen risk management practices
Oracle Financial Services Stress Testing and Scenario Analysis provides a centralized and governed integrated risk management framework to help financial institutions streamline the enterprisewide stress testing process for regulatory requirements and day-to-day business operations. It equips financial institutions with the sophisticated analytics and scenario modeling capabilities required to conduct comprehensive stress tests, evaluate resilience to adverse scenarios, optimize capital allocation, and improve strategic decision-making.
Features
- Assess the impact of a single set of scenarios across a diverse set of metrics, including provisions, interest income, net interest income, profitability, risk-weighted assets, capital, leverage, and liquidity.
- Easily meet stress testing, sensitivity, and scenario analysis requirements for IFRS 9, the Internal Capital Adequacy Assessment Process (ICAAP), and the Internal Liquidity Adequacy Assessment Process (ILAAP).
- Optimize scenario management with an intuitive guided process that helps you conduct what-if analysis, scenario analysis, stress tests, ad hoc impact assessments, attribution analysis, and reverse stress testing.
- Facilitate scenario orchestrations and automated process sequencing with an extensible data catalog that harmonizes and synchronizes data across the enterprise.
- Gain robust model management and governance to create, inherit, and manage in-house, Oracle, and third-party models. Access dynamic dashboards that provide extensive control over stress testing results and impact assessments to support enterprisewide decision-making.
Make a positive impact on climate change, transition to a low-carbon economy, and achieve your sustainability goals
Oracle Financial Services Climate Change Analytics Cloud Service is a climate risk processing, reporting, and analytics solution for financial institutions that provides data sourcing and storage, computation of climate risk metrics, and analytics for internal, statutory, and management reporting. It helps organizations achieve statutory compliance, reduce climate change–related risk, and integrate climate risk into the decision-making process for investments and credit, reputation, and market risk management.
Features
- Perform carbon accounting using a scalable and flexible model to calculate greenhouse gas (GHG) emissions based on the GHG Protocol Corporate Accounting and Reporting Standard across reporting classifications for Scope 1, 2, and 3 and emission categories, including fuels, owned transportation, employee commuting, and investments.
- Confidently calculate and disclose emission numbers across your portfolio based on the Partnership for Carbon Accounting Financials (PCAF) guidelines for financed, facilitated, and avoided emissions and emissions removal.
- Integrate climate risk into overall enterprise risk and investment decision-making using the prebuilt Climate Scorecard framework, which offers the flexibility to add custom parameters as well as probability of default (PD) and loss given default (LGD) models, climate targets, and heatmaps.
- Perform a holistic climate risk analysis using the Oracle Analytics platform to evaluate climate targets, conduct peer analysis, and assess physical risk across owned operations and collaterals.
- Access more than 100 prebuilt, cross-jurisdictional climate change reporting disclosures, analytics, and visualizations for the International Sustainability Standards Board (ISSB), Task Force on Climate-Related Financial Disclosures (TCFD), European Sustainability Reporting Standard (ESRS) by the European Financial Reporting Advisory Group (EFRAG) under the Corporate Sustainability Reporting Directive, US Securities and Exchange Commission (SEC), and EU Sustainable Finance Disclosure Regulation (SFDR).
- Compute and report various intensity metrics and KPIs, such as carbon footprint, weighted average carbon intensity (WACI), economic emissions intensity, exposure to carbon-related assets, PCAF data quality score, and more.
Monitor and evaluate credit risk
Oracle Financial Services Credit Risk Analytics brings together data from multiple sources to enable a holistic, enterprisewide view of credit risk, including retail, wholesale, and counterparty credit risk, across both the banking and trading books.
Advance valuation methods for market risk
Oracle Financial Services Market Risk Measurement and Management enables institutions to establish reliable valuations of a wide array of simple and complex instrument types using sophisticated, prebuilt models.
Monitor and manage liquidity risk
Oracle Financial Services Liquidity Risk Solution enables banks to comply with ever-changing regulatory guidelines through flexible, prebuilt rules for different jurisdictions.
Why choose Oracle’s financial services risk management software?
01Appraise and consolidate risk across the enterprise
Recognize, measure, and understand the impact of risks across the enterprise. Incorporate integrated risk and finance metrics into strategy decisions.
02Enhance resilience using intensive stress testing
Be well positioned to adopt contingency measures with business-specific stress tests, assess forward metrics, and observe the impact on the enterprise.
03Get a single source of truth for risk assessment
Improve risk governance with centralized, aggregated risk data through a unified financial services data model and common analytical infrastructure.
Find resources and more
A practitioner’s view of climate risk taxonomies
As banks look to achieve carbon neutrality, they must understand what economic activities are sustainable. Learn about the criteria to consider when evaluating the extent to which a financial asset can support stated sustainability goals.
Handling liquidity risk in investment funds
Explore the challenges of building and sustaining good liquidity risk measurement practices in the mutual fund industry, and learn how the versatility of the Oracle Financial Services Liquidity Risk Management solution can help.
Additional information
Join the industry's brightest minds in risk, modern finance, and data analytics. Revitalize finance transformation and profitable growth for banks and insurers with the latest insights in data science and technology.
Additional financial services risk management solutions
Accounting and regulatory compliance
Adapt to rapidly changing business and regulatory requirements.
Balance sheet management
Optimize reward versus risk with accurate, up-to-date financial information.
Data management
Modernize data management and improve decision-making with a unified data model.
Profitability Management
Maximize profit and control costs with greater confidence.
Get started with Oracle’s financial services risk management software
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