Financial Services Profitability and Balance Sheet Management Cloud Services

Gain a risk-adjusted view of performance

Quickly assess the drivers of profitability through informative analytics and make necessary risk adjustments to optimize profit with Oracle Financial Services Profitability Management. Easily obtain a daily view of the costs of managing customer portfolios. Immediately respond to market realities and changing rates, and reduce the lead time required to perform profitability analysis.

Benefits

• Accurately identify the most (and least) profitable customers, products, and lines of business.
• Easily access key management reports for better performance tracking and profitability management.
• Empower all business users with access to actionable profitability analytics and insights.
• Track profitability trends and cost structures based on key dimensions.
• Conduct scenario analysis at an aggregated level to gauge profitability variations.

• Datasheet: Profitability Management (PDF)

Assign accurate cost of funds for base rates, liquidity, risk, and incentives

Determine the spread earned on assets and liabilities and the spread resulting from interest rate risk exposure for each customer relationship with Oracle Financial Services Funds Transfer Pricing. Accurately assess profitability along product, channel, and business lines, and centralize interest rate risk to manage it effectively.

Benefits

• Use the same industry-leading transfer pricing methods, both in the current book and in your asset liability management and planning forecasts.
• Leverage a shared data model that integrates risk, performance management, customer insights, and compliance.
• Set transfer rates for a wide range of financial instruments.
• Flexibly assign transfer rates to individual customer relationships.
• Develop a deeper understanding of option and liquidity costs.

• Datasheet: Funds Transfer Pricing (PDF)

Award-winning asset liability management (ALM)

Gain an accurate view of profitability, earnings stability, and overall balance sheet risk sensitivity with Oracle Financial Services Asset Liability Management. Use advanced analytics, dynamic interactive dashboards, intuitive reporting, alerts and scenario-based what-if analysis.

Benefits

• Use a high performance, scalable cash flow engine that handles multicurrency financial instruments.
• Analyze and forecast interest rate risk through deterministic and stochastic simulation techniques.
• Simulate income with profitability via funds transfer pricing net interest margin calculations.
• Monitor liquidity gaps, funding concentrations, marketable assets, and liquidity ratios daily.

• Datasheet: Asset Liability Management (PDF)
• Explore Oracle Financial Services Asset Liability Management

Take a granular view of cash flows

Measure and model loan, deposit, and off–balance sheet instruments with Oracle Financial Services Cash Flow Engine. Gain insight into the granularity of cash inflows and outflows for nonregulatory and regulatory purposes. Our solution is suitable for organizations with exposure to financial securities and instruments.

Benefits

• Generate account-level cash flows using unique payment and repricing characteristics.
• Use daily rate forecasting to provide a unique rate for a given day on repricing.
• Improve insight into branch liquidity and cash on hand.
• Optimize payables and receivables by focusing on customers with large exposure.
• Leverage inbuilt validation rules to perform comprehensive quality checks on input data.

• Datasheet: Cash Flow Engine (PDF)

Develop accurate margin forecasts and meaningful budgets

Forecast future performance through a distributed planning process—incorporating scenario modeling of economic conditions and forward-looking risks—with Oracle Financial Services Balance Sheet Planning’s robust planning capabilities. Eliminate multiple disparate systems to produce a complete, reconciled plan that delivers better value and actionable insights.

Benefits

• Leverage cash flow processing for current and new books of business.
• Develop accurate and consistent business plans with a common cash flow engine that’s shared with Oracle’s ALM and FTP applications.
• Use customizable forms and business rules for forecasting non–cash flow-based planning accounts.
• Develop regulatory capital requirements and capital plans based on data from balance sheet planning.
• Access integrated historical performance metrics, including net interest margins, risk-adjusted returns, spreads from transfer rates, allocated costs, and capital.