For over fifteen years, Oracle has delivered industry leading analytical solutions to help financial institutions grow profitability and optimize performance. While continuing to deliver solutions to meet customers' needs, the authors are developing new products and integrations to address the challenges that financial institutions face now and in the years to come. During the past few years, many banks pursued growth above all other objectives. Risk management was ignored in some cases and considered a roadblock to closing business in others. These growth-dominated strategies have proven painfully unsuccessful. Risks that were once viewed as overly pessimistic have proven to be quite plausible.