1. W E L O O K A T T H I N G S D I F F E R E N T L Y CUMA SPRING CONFERENCE 23 February 2011 ICT Strategy Update Jim Williams ICT Department, ILCU W E L O O K A T T H I N G S D I F F E R E N T L Y CUMA SPRING CONFERENCE 23 February 2011 ICT Strategy Update Jim Williams ICT Department, ILCU

2. W E L O O K A T T H I N G S D I F F E R E N T L Y

3. 2010 * * * *

4. W E L O O K A T T H I N G S D I F F E R E N T L Y

6. ILCUbis – Credit Union Business Intelligence Service

7. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis GOLD – Target Value Range BARS – Actual Value Results LIGHTS – Quick Indicator Results Inside or Outside of GOAL Range

8. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis 400 320 240 Membership Count 160 80 0 Number of Years a Member Members by Years of Membership Analysis 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 Last Year’s Membership Drive was Successful! ~ 365 Members for 1 Year ~ 55 Members for 20 YearsNearly 20 Members for 40+ Years

9. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis % Dormant Accounts% Active Accounts Percentage 0f Catchment Ward Name Only 1% of Clady are Members ~ 16% of Stiles Ward are Members 20 16 12 8 4 0 Clady Stiles

10. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis Total Savings Balance Total Loans Balance Total Arrears Balance Age Band Total Shares, Loans, Arrears 1,200,000 600,000 300,000 0 900,000 16-17 18-19 20-24 25-29 30-44 45-59 60-64 65-74 75-84 85-89 90-150 45-59 Age Band ~ 1.0 M Saved ~ 950,000 Borrowed ~ 40,000 in Arrears

11. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis A1 Loan Arrears 10 Wks + / Total Loans E1 Loans / Total Assets P1 Bad Debt Provision Requirements Credit Union Average Asset Band Average Membership Size Band Average BENCHMARKING Compare YOUR Performance Against the Average of Your Peers 65% 40% 42%

12. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUnet – Your Private Credit Union Network SAFE STRONG SECURE ILCUbis - Credit Union Business Intelligence Service Payments CUSO Your IT Supplier Service New Services Credit Union A Ltd Credit Union B Ltd Sub Office Credit Union B Ltd Irish League of Credit Unions ILCUnet

13. W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUnet – Your Private Credit Union NetworkToday ! SAFE STRONG SECURE ILCUnet 4123 81 145 Credit Unions !

14. W E L O O K A T T H I N G S D I F F E R E N T L Y Good Governance – must have: Credibility – Transparency - Proof Must include Compliance John Heneghan University of Limerick Seamus Hughes MD, Governance Matters Enterprise Governance – goes beyond: Conformance. Includes Performance and Responsibility. “Information to the Board must be fully informed and unbiased” Cian Blackwell Partner, Grant Thornton Governance processes linked to IT: Risks – Functional Risks – clarity of requirements, testing Security Risks – Controls and Audit capability

16. Balance at Risk W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis Phase 1 with Spreadsheet Data --- Your CU BI User --- Complete Prudential-like Spreadsheet Email Spreadsheet to ICT Office -- ICT Office -- Email Spreadsheet to ILCUbis Access ILCUbis SECURELY for Governance Tools --- Your CU BI User --- ILCUbis Phase 1 Governance Dashboards as current as last MANUAL Spreadsheet. Considerable VALUE, but not timely enough, and NOT AUTOMATIC!...and Much more

17. Balance at Risk W E L O O K A T T H I N G S D I F F E R E N T L Y ILCUbis Phase 2 with IT Supplier Service BIETL: AUTOMATIC Business Intelligence! ----- Your CU BI User ----- Push AUTOMATIC TRANSFER Button ILCUbis Phase 2 with BIETL: Automatic Business Intelligence TODAY’ S GOVERNANCE INFORMATION, TODAY! Access ILCUbis SECURELY for Governance Tools...and Much more

18. W E L O O K A T T H I N G S D I F F E R E N T L Y IT Suppliers Working on Service for CUs BIETL : AUTOMATIC Business Intelligence

19. W E L O O K A T T H I N G S D I F F E R E N T L Y ICT Strategy + 353 1 614 6911

20. W E L O O K A T T H I N G S D I F F E R E N T L Y USE Your www.creditunion.ie Web Site TO STAY INFORMED !

21. W E L O O K A T T H I N G S D I F F E R E N T L Y USE Your www.creditunion.ie Web Site TO STAY INFORMED !

22. W E L O O K A T T H I N G S D I F F E R E N T L Y USE Your www.creditunion.ie Web Site TO STAY INFORMED !

23. “You, as managers, know your business better than anybody else. As the old proverb goes – ‘Only the wearer knows where the shoe pinches’. In this regard, I am calling on individual managers to take a lead – identify the weaknesses in your particular credit union’s business model and drive organizational change with your board to build a strong foundation to enable your credit union to be part of the overall development of the credit union sector in Ireland. “ James O’Brien, 2010 CUMA Conference W E L O O K A T T H I N G S D I F F E R E N T L Y

24. ICT Strategy ILCUnet ILCUbis It’s Your Serve....

25. W E L O O K A T T H I N G S D I F F E R E N T L Y Typical Costs (ex VAT) ILCUnet – Often replaces existing network expenses InstallationFREE(€ 1,365 paid by ICT Office) Annual€ 963 ILCUbis – Named User License for Oracle Year 1€ 662(€ 500 paid by ICT Office) Annual€ 210(Less than a Fiver a week, including VAT)