CONSUMER DEBT ANALYSIS AGENDAhexagonconsulting.net › pdf › Consumer-Debt.pdf · agenda!...
Transcript of CONSUMER DEBT ANALYSIS AGENDAhexagonconsulting.net › pdf › Consumer-Debt.pdf · agenda!...
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AGENDA!CONSUMER DEBT ANALYSIS!
THE BUSINESS OPPORTUNITY!
THE SOLUTION!
THE POWER OF HANA!
OUR ENGAGEMENT MODEL!
CONCLUSIONS!
1!
2!
3!
4!
5!
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CONCLUSIONS!
THE BUSINESS OPPORTUNITY!
THE SOLUTION!
THE POWER OF HANA!
OUR ENGAGEMENT MODEL!
CONCLUSIONS!
1!
2!
3!
4!
5!
CONSUMER DEBT ANALYSIS!
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➜ Every financial institution needs to provision a certain amount of its total consumer (not-commercial) portfolio, based on the risk rating of each individual.!
➜ This provision results from a calculation, that may differ from country to country, and is set by the local regulatory entity.!
➜ This problem is already being solved (mainly for reporting reasons) on a batch mode.!
➜ Making this information readily available, almost real-time and with the possibility of applying predictive models has an impact on the business.!
THE BUSINESS OPPORTUNITY!CONSUMER DEBT ANALYSIS!
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➜ Initial risk rating is compared with the rest of financial system (provided by regulatory entity) and the worst is taken for Provision Basis.!
➜ Example for Brasil = Big Private Bank Consumer Portfolio Provision = usd 1 Billion!
➜ Example for Argentina = Big Private Bank Consumer Portfolio Provision = usd 50 Millions!
THE BUSINESS OPPORTUNITY!CONSUMER DEBT ANALYSIS!
Risk Ra'ng Default Days % of Prevision “A” 0 -‐ 14 days 0,5% “B” 15 -‐ 30 days 1% “C” 31 -‐ 60 days 3% “D” 61 -‐ 90 days 10% “E” 91 -‐ 120 days 30% “F” 121 -‐ 150 days 50% “G” 151 -‐ 180 days 70% “H” More than 180 days 100%
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CONSUMER DEBT ANALYSIS!
CONCLUSIONS!
THE BUSINESS OPPORTUNITY!
THE SOLUTION!
THE POWER OF HANA!
OUR ENGAGEMENT MODEL!
CONCLUSIONS!
1!
2!
3!
4!
5!
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➜ Create a Database that accumulates all the information regarding customers and their product history, including payment transactions, credit card transactions, deposits, investments, loans and accounts with +2 years history. !
➜ Define ETL strategy and specific programs!
➜ Include as Standard 3 sets of reports:!
➜ Summarized Regulatory Report!➜ 360° Customer View!➜ Customer Segmentation for Debt Behavior
predictions !
THE SOLUTION!CONSUMER DEBT ANALYSIS!
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THE SOLUTION!CONSUMER DEBT ANALYSIS!
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The data sources come from systems like:!➜ Accounts!➜ Loans!➜ Credit Cards!➜ Transaction History!➜ Risk Rating History!➜ External Risk Rating Database!
OPERATIONAL SYSTEMS!
THE SOLUTION APPROACH!
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➜ The strategy and implementation of the Extraction, Transformation and Loading processes are key for the success of any Decisional Making System:!
➜ Credibility!➜ Performance!
➜ Tool: SAP Business Objects Data Services!
ETL!
THE SOLUTION APPROACH!
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THE SOLUTION APPROACH!
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LOGICAL DATA MODEL!
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THE SOLUTION!
Start Model with 50 tables.!Reference:!➜ 200.000 customers !➜ 1.6 billons records !➜ < 40 GBytes !
PHYSICAL DATA MODEL!
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➜ Based on the presentation requirements, a combination of tables and calculations are imbedded in a specific Analytical and Predictive Model. !
➜ Tool: HANA Studio!
ANALYTICAL/PREDICTIVE MODEL!!
THE SOLUTION APPROACH!
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➜ Tools: Suite of SAP Business Objects for dashboard and analytical report generation, SAP Infinite Insight for predictive reports!
PRESENTATION!!
THE SOLUTION APPROACH!
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SUMMARY OF REPORTS!CONSUMER DEBT ANALYSIS!
OPERACIONAL SYSTEMS!
ETL!
PHYSICAL MODEL!
LOGICAL MODEL!
ANALYTICAL MODEL!
PREDICTIVE MODEL!
PRESENTATION!
➜ Consolidated Risk Rating Report (Total Bank and Branch)!
➜ 360° Customer View!
➜ Customer Ranking by Impact on Provision Change!
➜ Consolidated Product View!
➜ Regulatory report!
➜ Identification of “bad habit trend”!
➜ Customer Ranking by “Predicted Impact” on Provision Change!
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REPORTS!CONSUMER DEBT ANALYSIS!
TOTAL BANK CONSOLIDATED VIEW BY RISK RATING!
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REPORTS!CONSUMER DEBT ANALYSIS!
TOTAL BANK CONSOLIDATED VIEW BY RISK RATING!
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REPORTS!CONSUMER DEBT ANALYSIS!
TOTAL BANK CONSOLIDATED VIEW BY RISK RATING!
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REPORTS!CONSUMER DEBT ANALYSIS!
CUSTOMER RANKING BY IMPACT ON PROVISION CHANGE!
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REPORTS!CONSUMER DEBT ANALYSIS!
360° CUSTOMER VIEW!
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CONSUMER DEBT ANALYSIS!
CONCLUSIONS!
THE BUSINESS OPPORTUNITY!
THE SOLUTION!
THE POWER OF HANA!
OUR ENGAGEMENT MODEL!
CONCLUSIONS!
1!
2!
3!
4!
5!
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➜ Storage Space!THE POWER OF SAP HANA!CONSUMER DEBT ANALYSIS!
Huge historical information in reduced storage space due to compression capabilities of column based design!
➜ Speed! Fast response time due to in memory processing capabilities allow real time calculations!
➜ User Friendly! Easy to model, maintain and develop with HANA Studio !
➜ SAP Integration! Direct Integration of HANA with other SAP Solutions!
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CONSUMER DEBT ANALYSIS!
CONCLUSIONS!
THE BUSINESS OPPORTUNITY!
THE SOLUTION!
THE POWER OF HANA!
OUR ENGAGEMENT MODEL!
CONCLUSIONS!
1!
2!
3!
4!
5!
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With the acquisition of Consumer Debt Analysis, you will receive:!➜ Complete Documentation of the Physical and Logical
Data Model!➜ Model of the Physical Tables in MSVisio!➜ Data Dictionary!➜ Implementation Document of the Data Model!➜ Standard SAP Business Objects reports!➜ Support for an implementation project via:!
➜ Business Discovery Services!➜ BBP pre-built!➜ Modeling Services!➜ ETL Strategy Adaptation!➜ Report Adaptation!
ENGAGEMENT MODEL!CONSUMER DEBT ANALYSIS!
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CONCLUSIONS!
THE BUSINESS OPPORTUNITY!
THE SOLUTION!
THE POWER OF HANA!
OUR ENGAGEMENT MODEL!
CONCLUSIONS!
1!
2!
3!
4!
5!
CONSUMER DEBT ANALYSIS!
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ABOUT b2tec - HEXAGON!
➜ Founded in 2001!➜ +100 employees!➜ Focus in SAP Analytical and
Transactional banking!➜ +50 Customers!
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➜ Consumer Debt Analysis, powered by HANA!
➜ SAP Predictive Analytic tools & b2tec-Hexagonʼs capabilities in business and technology: !
➜ MAXIMIZES ROI!
CONCLUSIONS!CONSUMER DEBT ANALYSIS!
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THANK YOU! !
Reinhard Molter Mobile : +54 (911) 6250 3338 [email protected] www.hexagonconsul'ng.net
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