This company is a publicly owned financial institution with total assets over $36B and is one of the largest independent banks headquartered in California.


The bank needed to replace their planning and forecasting solution, Excel and Defacto, and implement a new solution that would integrate with their General Ledger system, Oracle PeopleSoft, as well as a data warehouse. They needed the new solution to provide the necessary drill through of product logic for their decision makers. This included net interest income and net interest expense (NII and NIE) by branch, allocations, and average balances for different time periods. To meet these needs, as well as create sophisticated reports and analytics for management, the company selected Oracle Planning and Budgeting Cloud Service (PBCS) and turned to Key Performance Ideas, a leader in Oracle EPM Cloud implementations with specific industry experience in banking and financial services.


Partnering with Key Performance Ideas, the bank implemented PBCS in a phased approach. The first phase focused on the corporate’s operational and planning processes to ensure success. Key Performance Ideas conducted on-site design reviews and developed a working and trackable requirements document. The team identified 15 dimensions in PeopleSoft and the data warehouse and developed the PBCS application to manage approximately 3200 accounts, 450 branches, 60 business units, 550 departments and 90 financial products across employees, and business processes and more. Data Management was implemented to load mass data from PeopleSoft and the data warehouse while Smart View was leveraged to load manual data through Excel. Additionally, the EPM Automate utility was leveraged to automate the data processes and timing of data integration.

The team also developed several Planning forms focused on the following processes: Interest Income, Interest Expense, NII and NIE by branches. Global driver forms were created to support general assumptions including FTP Rate, Seasonality data, Commitment Rate, and Utilization and Runoff rate. Key Performance Ideas created these forms in a consistent format in order to minimize maintenance as they are rolled out to multiple department planners.

To simplify the allocations process, approximately 20 different allocations were built to drive out corporate charges. Key Performance Ideas developed several business rules, member formulas and calculation scripts for allocations, runoffs, seasonality, utilization rates, product logic, and average balances for different time periods. These calculation scripts allow the bank the ability to true-up budget data at the lowest level while taking FTP into account.

Reports were created to support decision makers and were all created in similar format to previously used reports. A batch-bursting method was developed to publish Actual vs Budget reports for multiple Departments quickly and efficiently. These aspects were critical to the success of the PBCS implementation. It allowed the bank to manage how their team could easily move to and accept a sophisticated Cloud application following previous usage of a tool that was heavily reliant on Excel. Training was completed by Key Performance Ideas on options and methods for report distribution, as well as additional financial report creation, allowing the bank to maintain and grow the system as needed.

Benefits Achieved

After years of growth, the bank needed to move to a more sophisticated planning and forecasting solution. After implementing PBCS and integrating the application with PeopleSoft and other data sources, including a data warehouse, the bank has achieved the following benefits:

  • Improved decision makers ability to identify interest income and interest expense by branch, allocations, and average balances for different time periods
  • Created global driver forms to support seasonality data, FTP, commitment, utilization & runoff rates
  • Leveraged a phased approach to ensure success
  • Replicated necessary analytics and reports previously utilized with ease in the Cloud
  • Successfully migrated their people to a sophisticated Cloud application from on premise Excel
  • Implemented a solution that can grow as the company continues to expand and increase market share

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