Financial Services Profitability Management
Drive profitability with best-in-class profitability analytics software. Use industry-leading performance analytics to drill into risk-adjusted profitability, and conduct profitability management from all angles to make more-timely, informed decisions that help you better manage your business.
The Oracle Profitability and Balance Sheet Management Cloud Service suite is available now.
Explore financial services profitability management solutions
Assign cost of funds (COF) for liquidity, optionality, basis risk, and pricing
As the industry’s first matched maturity FTP application, Oracle Financial Services Funds Transfer Pricing helps you determine the spread earned on assets and liabilities and interest rate exposure for every customer account. Gain an accurate assessment of net interest margin and profitability across various dimensions.
Features
- Leverage industry-leading transfer pricing methods, including cash flow and non–cash flow, covering the entire balance sheet.
- Flexibly assign transfer rates to individual customer relationships.
- Identify break events and calculate break costs.
- Develop a deeper understanding of option and liquidity costs.
- Extend funds transfer pricing into your forecast with asset liability management and balance sheet planning.
Gain a risk-adjusted view of performance
Quickly assess profitability analytics of new products and make necessary risk adjustments 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.
Features
- Accurately identify the most 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.
Maximize customer profitability and enhance retention strategies
Oracle Financial Services Price Creation and Discovery enables you to provide customized products for your customers based on existing relationships, current product performance, their consideration of new products, and key customer attributes. Effectively price products using a highly flexible and configurable enterprisewide pricing optimization tool.
Features
- Use profitability metrics to set targets and goals.
- Gain the flexibility to select different pricing methodologies.
- Conduct price review and subsequent repricing.
- Perform scenario analysis using profitability reports.
- Continuously monitor account performance to maintain deal profitability.
Identify, monitor, and drive profit across multiple dimensions
Access deeper insights into customer relationships and the financial performance of products, lines of business, and regions. Get real-time actionable information to measure and meet risk-adjusted performance objectives, and cultivate a performance management culture through transparency.
Features
- Store reporting values in multiple currencies per the current transfer rates.
- Empower management with top-down summary performance views and self-service capabilities.
- Leverage segment definitions, prebuilt reports, and dashboards for customer distributions.
- Utilize sophisticated predictive models enhanced with big data that analyze customer web behavior.
- Optimize campaigns using metrics such as responses and customer distribution across target segments.
Why choose Oracle’s profitability management solutions?
Identify the most profitable customers, products, channels, and segments.
01Enterprisewide, near real-time analytics
Break down silos with common customer- and ledger-level information using a single, transparent account- and transaction-level model across risk and performance applications.
02Flexible and scalable architecture
Allocate costs across large data volumes, and trace top-down and bottom-up approaches. Calculate COF, option costs, and break charges against a fully reconciled datastore.
03Complete, multidimensional, risk-adjusted performance reporting
Understand profitability across the profit and loss statement. Recognize impactful line items and identify trends. Make informed pricing decisions, and proactively manage your business.
Explore profitability management resources
Customer story: Akbank
Oracle Financial Services Profitability Management supports Akbank in their daily pricing decisions and operational cost analysis to improve profitability.
Funds transfer pricing on Oracle Exalogic
Oracle Financial Services Funds Transfer Pricing provides application-based multiprocessing functionality that complements Oracle Exalogic and Exadata architecture to provide extreme performance for financial institutions.
Oracle Financial Services Balance Sheet Planning
Oracle Financial Services Balance Sheet Planning is a comprehensive solution that encompasses all aspects of the planning process, including profit planning, budgeting and forecasting, strategy formulation, and capital expenditure budgeting.
Oracle Financial Services Asset Liability Management and Funds Transfer Pricing Analytics
Oracle Financial Services Asset Liability Management and Funds Transfer Pricing Analytics is designed to provide timely and actionable insight for managing interest rate and liquidity risk and provides transparency into critical issues.
Additional risk and finance solutions
Asset liability management
Get an accurate view of profitability, earnings stability, and the overall risk exposure of the balance sheet.
Balance sheet management
Optimize reward versus risk with accurate, up-to-date financial information.
Enterprise risk management
Get consistent, verifiable results in risk measurement, management, and mitigation.
Accounting and regulatory compliance
Adapt to rapidly changing business and regulatory requirements.
Get started with Oracle’s profitability management solutions
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