2 Introduction

This chapter provides an understanding of the Oracle Financial Services Regulatory Reporting for the US Federal Reserve – Integration Pack application and its scope. It includes:

· Overview

· OFSAA Regulatory Reporting Architecture

· Scope

Overview

Regulatory reporting and financial services have evolved to be an inseparable combination. It has worsened since the 2008 financial crisis. Today, banks and financial institutions must file hundreds of regulatory reports. For the U.S. Federal Reserve alone, institutions must file multiple submissions of FFIEC-101, call reports, stress testing reports, and so on. Reporting requirements increase rapidly in number and complexity for banks operating regionally or globally, where they must file in multiple jurisdictions.

The OFS REG REP US FED solution enables financial services organizations to manage and execute regulatory reporting in a single integrated environment. It automates end-to-end processes from data capture through submission with industry-leading solutions. It leverages Oracle Financial Services Analytical Application (OFSAA) and Oracle Financial Services Data Foundation (OFSDF) for managing analytical application data. The AgileREPORTER in Regulatory Reporting (REG REP) Solution enables firms to automate the final mile of the reporting process. It provides pre-built integration to Lombard Risk Reporting, eliminating the need for further manual intervention. The solution ensures data integrity allowing banks to focus more time on analyzing and gaining new business insight from their growing stores of data instead of preparing data and reports with the sole objective of meeting submission deadlines.

OFSAA Regulatory Reporting Architecture

Figure 1: Regulatory Reporting (REG REP) Solution Architecture

Description of the Regulatory Reporting Architecture workflow follows This illustration describes the dataflow from OFSAA to AgileREPORTER.

This interface connects the Oracle FSDF to Vermeg Portal. As you can see in the Architecture figure above, Data flows from OFSAA to Vermeg Portal.

OFSDF is an analytical data warehouse platform for the Financial Services industry. It combines an industry data model for Financial Services along with a set of management and infrastructure tools that allows Financial Services Institutions to develop, deploy, and operate analytical solutions spanning key functional areas in Financial Services, including:

1. Enterprise Risk Management

2. Enterprise Performance Management

3. Customer Insight

4. Financial Crime and Compliance Management

OFSDF is a comprehensive data management platform that helps institutions to manage the analytical data life cycle from sourcing to reporting and business intelligence/BI using a unified, consistent platform and toolset.

AgileREPORTER is a form and workflow tool that enables both creation and submission of regulatory returns. AgileREPORTER addresses the financial reporting requirements of both domestic and international banks and financial institutions by automating compliance with mandated reports to central banks, regulatory agencies. AgileREPORTER works easily with multiple sources of information as it standardizes data elements and automates regulatory report production in prescribed templates with the associated workflow for automatic submission. It is a reliable and efficient infrastructure to compile, generate, and submit regulatory reports. It collects data from a wide universe (not just OFSAA Results). It provides automated repeated manual adjustments, variance analysis, and validation checks. It provides features to explain and justify a number quickly, including links to OBIEE.

The solution provides a pre-built interface or integration between FSDF and AgileREPORTER. With this integration, you can automate the end-to-end reporting process covering data preparation to the last mile of reporting.

Scope

Oracle Financial Services Regulatory Reporting for US Federal Reserve – Integration Pack covers the following regulatory reports for specified release as mentioned in the table:

Table 2: Scope of Regulatory Reports and Schedules

Report	Report Name	Released Version
FR Y-9C	Consolidated Financial Statements for Holding Companies	8.1.2.0.0
FR Y-20	Financial Statements for a Bank Holding Company Subsidiary Engaged in Bank-Ineligible Securities Underwriting and Dealing	8.1.2.0.0
FR Y-15	Banking Organization Systemic Risk Report	8.1.2.0.0
FFIEC-009	Country Exposure Report	8.1.2.0.0
FFIEC-009A	Country Exposure Information Report	8.1.2.0.0
FR Y-11	Financial Statements of U.S. Nonbank Subsidiaries of U.S. Holding Companies	8.1.2.0.0
FR Y-11S	Abbreviated Financial Statements of U.S. Nonbank Subsidiaries of U.S. Holding Companies	8.1.2.0.0
FR-2314	Financial Statements of Foreign Subsidiaries of U.S. Banking Organizations	8.1.2.0.0
FR-2314S	Abbreviated Financial Statements of Foreign Subsidiaries of U.S. Banking Organizations	8.1.2.0.0
FR Y-9LP	Parent Company Only Financial Statements for Large Holding Companies	8.1.2.0.0
FFIEC-031	Consolidated Reports of Condition and Income for a Bank with Domestic and Foreign Offices	8.1.2.0.0
FR Y-12	Consolidated Holding Company Report of Equity Investments in Nonfinancial Companies	8.1.2.0.0
FFIEC-041	Consolidated Reports of Condition and Income for a Bank with Domestic Offices Only	8.1.2.0.0
FR-2052A	Complex Institution Liquidity Monitoring Report	8.1.2.0.0
FR Y-7N	Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking Organizations	8.1.2.0.0
FR Y-7NS	Abbreviated Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking Organizations	8.1.2.0.0
FR-2644	Weekly Report of Selected Assets and Liabilities of Domestically Chartered Commercial Banks and U.S. Branches and Agencies of Foreign Banks	8.1.2.0.0
FR-2886B	Cash and Balances Due from Depository Institutions	8.1.2.0.0
FR-2900	Report of Transaction Accounts, Other Deposits, and Vault Cash (Commercial Banks)	8.1.2.0.0
FR Y-14Q	Schedule M.1 – Balances	8.1.2.0.0
FR Y-14Q	Schedule K – Supplemental	8.1.2.0.0
FR Y-14Q	Schedule A – Retail	8.1.2.0.0
FR Y-14Q	Schedule H – Wholesale Risk	8.1.2.0.0
FR Y-14M	Capital Assessments and Stress Testing Report - Monthly	8.1.2.0.0
FFIEC-101	Regulatory Capital Reporting for Institutions Subject to the Advanced Capital Adequacy Framework	8.1.2.0.0
FDIC-8020	Statement of Deposits	8.1.2.0.0
FFIEC-002	Assets and Liabilities of U.S. Branches and Agencies of Foreign Banks	8.1.2.0.0
FR 2420	Selected Money Market Rates	8.1.2.0.0
FFIEC-030	Foreign Branch Report of Condition	8.1.2.0.0
FFIEC-030S	Abbreviated Foreign Branch Report of Condition	8.1.2.0.0
FR Y-7Q	The Capital and Asset Report for Foreign Banking Organizations	8.1.2.0.0
FR 2835A	Quarterly Report of Credit Card Plans	8.1.2.0.0
FR 2502Q	Quarterly Report of Assets and Liabilities of Large Foreign Offices of U.S. Banks	8.1.2.0.0

The following table lists the detailed scope.

Table 3: Detailed Scope of Reports and Schedules

Sl. No.	Report Code	Schedule Code	Schedule Name
1	FDIC-8020	–	Statement of Deposits
2	FFIEC-009	C Part I	Claims on an Immediate Risk Basis
3	FFIEC-009	C Part II	Claims on an Ultimate Risk Basis and Memorandum Items
4	FFIEC-009	D	Claims from Positions in Derivative Contracts
5	FFIEC-009	L	Foreign-Office Liabilities
6	FFIEC-009	O	Off-Balance-Sheet Items
7	FFIEC-009A	A	Country Exposure Information Report Part A
8	FFIEC-009A	B	Country Exposure Information Report Part B
9	FFIEC-031	RC-S	Servicing, Securitization, and Asset Sale Activities
10	FFIEC-031	RC-V	Variable Interest Entities
11	FFIEC-031	RC	Balance Sheet
12	FFIEC-031	RC-A	Cash and Balances Due from Depository Institutions
13	FFIEC-031	RC-B	Securities(bugs)
14	FFIEC-031	RC-C	Loans and Lease Financing Receivables(bugs)
15	FFIEC-031	RC-D	Trading Assets and Liabilities
16	FFIEC-031	RC-E	Deposit Liabilities
17	FFIEC-031	RC-F	Other Assets
18	FFIEC-031	RC-G	Other Liabilities
19	FFIEC-031	RC-H	Selected Balance Sheet Items for Domestic Offices
20	FFIEC-031	RC-I	Assets and Liabilities of IBFs
21	FFIEC-031	RC-K	Quarterly Averages
22	FFIEC-031	RC-L	Derivatives and Off-Balance-Sheet Items
23	FFIEC-031	RC-M	Memoranda
24	FFIEC-031	RC-N	Past Due and Nonaccrual Loans, Leases, and Other Assets
25	FFIEC-031	RC-O	Other Data for Deposit Insurance and FICO Assessments
26	FFIEC-031	RC-P	1–4 Family Residential Mortgage Banking Activities in Domestic Offices
27	FFIEC-031	RC-Q	Assets and Liabilities Measured at Fair Value regularly
28	FFIEC-031	RC-R Part I	Regulatory Capital Components and Ratios
29	FFIEC-031	RC-R Part II	Risk-Weighted Assets
30	FFIEC-031	RC-T	Fiduciary and Related Services
31	FFIEC-031	RI	Income Statement
32	FFIEC-031	RI-A	Changes in Equity Capital
33	FFIEC-031	RI-B	Charge-offs and Recoveries and Changes in Allowance for Loan and Lease Losses
34	FFIEC-031	RI-C	Disaggregated Data on the Allowance for Loan and Lease Losses
35	FFIEC-031	RI-D	Income from Foreign Offices
36	FFIEC-031	RI-E	Explanations
37	FFIEC-041	RC	Balance Sheet
38	FFIEC-041	RC-A	Cash and Balances Due from Depository Institutions
39	FFIEC-041	RC-B	Securities
40	FFIEC-041	RC-C	Loans and Lease Financing Receivables
41	FFIEC-041	RC-D	Trading Assets and Liabilities
42	FFIEC-041	RC-E	Deposit Liabilities
43	FFIEC-041	RC-F	Other Assets
44	FFIEC-041	RC-G	Other Liabilities
45	FFIEC-041	RC-K	Quarterly Averages
46	FFIEC-041	RC-L	Derivatives and Off-Balance-Sheet Items
47	FFIEC-041	RC-M	Memoranda
48	FFIEC-041	RC-N	Past Due and Nonaccrual Loans, Leases, and Other Assets
49	FFIEC-041	RC-O	Other Data for Deposit Insurance and FICO Assessments
50	FFIEC-041	RC-P	1–4 Family Residential Mortgage Banking Activities
51	FFIEC-041	RC-Q	Assets and Liabilities Measured at Fair Value on a Recurring Basis
52	FFIEC-041	RC-R Part I	Regulatory Capital Components and Ratios
53	FFIEC-041	RC-R Part II	Risk-Weighted Assets
54	FFIEC-041	RC-S	Servicing, Securitization, and Asset Sale Activities
55	FFIEC-041	RC-T	Fiduciary and Related Services
56	FFIEC-041	RC-V	Variable Interest Entities
57	FFIEC-041	RI	Income Statement
58	FFIEC-041	RI-A	Changes in Bank Equity Capital
59	FFIEC-041	RI-B	Charge-offs and Recoveries and Changes in Allowance for Loan and Lease Losses
60	FFIEC-041	RI-C	Disaggregated Data on the Allowance for Loan and Lease Losses
61	FFIEC-041	RI-E	Explanations
62	FFIEC-101	–	Advanced Capital Adequacy Framework
63	FR Y-11	BS	Balance Sheet
64	FR Y-11	BS-A	Loans and Lease Financing Receivables
65	FR Y-11	BS-M	Memoranda
66	FR Y-11	IS	Income Statement (calendar year-to-date)
67	FR Y-11	IS-A	Changes in Equity Capital
68	FR Y-11	IS-B	Changes in Allowance for Loan and Lease Losses
69	FR Y-11S	List	Detailed Listing of Subsidiaries
70	FR Y-12	A	Type of Investments
71	FR Y-12	B	Type of Security
72	FR Y-12	C	Type of Entity within the Banking Organization
73	FR Y-12	D	Non-financial Investment Transactions During Reporting Period
79	FR Y-14M	–	Capital Assessments and Stress Testing Report
80	FR Y-14M	A-1	Domestic First Lien Closed-end 1-4 Family Residential Loan Data – Loan Level Table
81	FR Y-14M	A-2	Domestic First Lien Closed-end 1-4 Family Residential Loan Data – Portfolio Level Table
82	FR Y-14M	B-1	Domestic Home Equity Loan and Home Equity Line – Loan Level Table
83	FR Y-14M	B-2	Domestic Home Equity Loan and Home Equity Line – Portfolio Level Table
84	FR Y-14M	C-1	Address Matching Loan Level Data
85	FR Y-14M	D-1	Domestic Credit Card Data – Loan Level Table
86	FR Y-14M	D-2	Domestic Credit Card Data – Portfolio Level Table
87	FR Y-14QA1	–	Retail
88	FR Y-14QBAL	M	Balances
89	FR Y-14QCIL	H.1	Corporate Loan Data
90	FR Y-14QCRE	H.2	Commercial Real Estate
91	FR Y-14QFVOHFS	J	Retail Fair Value Option/Held for Sale (FVO/HFS)
92	FR Y-14QMSR	I	MSR Valuation
93	FR Y-14QopsriskBL	E.2	Business Line
94	FR Y-14QopsriskMS	E.1	Operational Loss History
95	FR Y-14QOpsriskRFR	E.5	Legal Reserves Frequency
96	FR Y-14QopsriskTH	E.4	Threshold Information
97	FR Y-14QOpsriskUOM	E.3	Unit-0f-Measure
98	FR Y-14QPPNR	G	Pre-Provision Net Revenue
99	FR Y-14QRCI	C	Regulatory Capital Instruments
100	FR Y-14QRCT	D	Regulatory Capital Transitions
101	FR Y-14QretailAuto	A.2	US Auto Loan
102	FR Y-14QretailIntauto	A.1	International Auto Loan
103	FR Y-14QretailIntcard	A.3	International Credit Card
104	FR Y-14QretailIntfm	A.5	International First Lien Mortgage
105	FR Y-14QRetailINTHE	A.4	International Home Equity
106	FR Y-14QretailIntlothcons	A.6	International Other Consumer Schedule
107	FR Y-14QretailIntsb	A.8	International Small Business
108	FR Y-14QretailStudent	A.10	Student Loan
109	FR Y-14QretailUSothcons	A.7	US Other Consumer
110	FR Y-14QretailUssb	A.9	US Small Business
111	FR Y-14QSEC	B	Securities
112	FR Y-14QSUPMNT	K	Supplemental
113	FR Y-14QTRADING	F	Trading
114	FR Y-15	–	Banking Organization Systemic Risk Report
115	FR Y-15	A	Size Indicator
116	FR Y-15	B	Interconnectedness Indicators
117	FR Y-15	C	Substitutability Indicators
118	FR Y-15	D	Complexity Indicators
119	FR Y-15	E	Cross-Jurisdictional Activity Indicators
120	FR Y-15	F	Ancillary Indicators
121	FR Y-15	G	Short-Term Wholesale Funding Indicator
122	FR Y-15	H	FBO Size Indicator
123	FR Y-15	I	FBO Interconnectedness Indicators
124	FR Y-15	J	FBO Substitutability Indicators
125	FR Y-15	K	FBO Complexity Indicators
126	FR Y-15	L	FBO Cross-Jurisdictional Activity Indicators (Column B) Combined U.S. Operations (Column A) U
127	FR Y-15	M	FBO Ancillary Indicators
128	FR Y-15	N	FBO Short-Term Wholesale Funding Indicator
129	FR Y-20	–	Financial Statements for a Bank Holding Company Subsidiary Engaged in Bank-Ineligible Securities Underwriting and Dealing
130	FR Y-7N	–	Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking Organizations
131	FR Y-7N	IS	Income Statement
132	FR Y-7N	IS-A	Changes in Equity Capital
133	FR Y-7N	IS-B	Changes in Allowance for Loan and Lease Losses
134	FR Y-7N	BS	Balance Sheet
135	FR Y-7N	BS-A	Loans and Lease Financing Receivables
136	FR Y-7N	BS-M	Memoranda
137	FR Y-7NS	–	Abbreviated Financial Statements of U.S. Nonbank Subsidiaries Held by Foreign Banking Organizations
138	FR Y-9C	–	Consolidated Financial Statements for Holding Companies
139	FR Y-9C	HI	Consolidated Income Statement
140	FR Y-9C	HI-A	Changes in Holding Company Equity Capital
141	FR Y-9C	HI-B	Charge-Offs and Recoveries on Loans and Leases and Changes in Allowance for Loan and Lease Losses
142	FR Y-9C	HI-C	Disaggregated Data on the Allowance for Loan and Lease Losses
143	FR Y-9C	HC	Consolidated Balance Sheet
144	FR Y-9C	HC-B	Securities
145	FR Y-9C	HC-C	Loans and Lease Financing Receivables
146	FR Y-9C	HC-D	Trading Assets and Liabilities
147	FR Y-9C	HC-E	Deposit Liabilities1
148	FR Y-9C	HC-F	Other Assets
149	FR Y-9C	HC-G	Other Liabilities
150	FR Y-9C	HC-H	Interest Sensitivity
151	FR Y-9C	HC-I	Insurance-Related Underwriting Activities (Including Reinsurance)
152	FR Y-9C	HC-K	Quarterly Averages
153	FR Y-9C	HC-L	Derivatives and Off-Balance-Sheet Items
154	FR Y-9C	HC-M	Memoranda
155	FR Y-9C	HC-N	Past Due and Nonaccrual Loans, Leases, and Other Assets
156	FR Y-9C	HC-P	1–4 Family Residential Mortgage Banking Activities in Domestic Offices
157	FR Y-9C	HC-Q	Assets and Liabilities Measured at Fair Value on a Recurring Basis
158	FR Y-9C	HC-R	Regulatory Capital
159	FR Y-9C	HC-S	Servicing, Securitization, and Asset Sale Activities
160	FR Y-9C	HC-V	Variable Interest Entities
161	FR Y-9LP	–	Parent Company Only Financial Statements for Large Holding Companies
162	FR Y-9LP	PI	Parent Company Only Income Statement
163	FR Y-9LP	PI-A	Cash Flow Statement
164	FR Y-9LP	PC	Parent Company Only Balance Sheet
165	FR Y-9LP	PC-A	Investments in Subsidiaries and Associated Companies
166	FR Y-9LP	PC-B	Memoranda
167	FR-2052A	–	Complex Institution Liquidity Monitoring Report
168	FR-2314	–	Financial Statements of Foreign Subsidiaries of U.S. Banking Organizations
169	FR-2314	IS	Income Statement (calendar year-to-date)
170	FR-2314	IS-A	Changes in Equity Capital
171	FR-2314	IS-B	Changes in Allowance for Loan and Lease Losses
172	FR-2314	BS	Balance Sheet
173	FR-2314	BS-A	Loans and Lease Financing Receivables
174	FR-2314	BS-M	Memoranda
175	FR-2314S	–	Abbreviated Financial Statements of Foreign Subsidiaries of U.S. Banking Organizations
176	FR-2644	–	Weekly Report of Selected Assets and Liabilities of Domestically Chartered Commercial Banks and U.S. Branches and Agencies of Foreign Banks
177	FR-2886B	RI-A	Changes in Equity Capital
178	FR-2886B	RC-B	Securities
179	FR-2886B	RC	Balance Sheet
180	FR-2886B	RC-C	Loans and Lease Financing Receivables
181	FR-2886B	RC-M	Claims on and Liabilities to Related Organizations
182	FR-2886B	RC-N	Past Due and Nonaccrual Loans, Leases, and Other Assets
183	FR-2886B	RC-R	Regulatory Capital
184	FR-2886B	RI	Income Statement
185	FR-2886B	RI-B	Changes in Allowance for Loan and Lease Losses
186	FR-2886B	RC-A	Cash and Balances Due from Depository Institutions
187	FR-2886B	RC-L	Derivatives and Off-Balance Sheet Items
188	FR-2900	–	Report of Transaction Accounts, Other Deposits, and Vault Cash
189	FR-2420	A	Federal Funds
190	FR-2420	AA	Selected Borrowings from Non-Exempt Entities
191	FR-2420	B	Eurodollars
192	FR-2420	C	Time Deposits and Certificates of Deposit (CDs)
193	FFIEC-002	RAL	Assets and Liabilities
194	FFIEC-002	A	Cash and Balances Due from Depository Institutions
195	FFIEC-002	C Part I	Loans and Leases
196	FFIEC-002	C Part II	Loans to Small Businesses and Small Farms
197	FFIEC-002	E	Deposit Liabilities and Credit Balances
198	FFIEC-002	K	Quarterly Averages
199	FFIEC-002	L	Derivatives and Off-Balance-Sheet Items
200	FFIEC-002	N	Past Due, Nonaccrual, and Restructured Loans
201	FFIEC-002	O	Other Data for Deposit Insurance Assessments
202	FFIEC-002	P	Other Borrowed Money
203	FFIEC-002	Q	Financial Assets and Liabilities Measured at Fair Value on a Recurring Basis
204	FFIEC-002	T	Fiduciary and Related Services