ITBI Predators
Transcript of ITBI Predators
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In Banking and Finance
Puneet GuptaVarun Bajpai
09BM803709BM8059
Team Predators
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What is BI? The ability to apprehend the interrelationships of
presented facts in such a way as to guide actiontowards a desired goal.
Intelligence
The use of company data to facilitate decision-making by decision-makers, which meansunderstanding current functioning and anticipatingactions for well-informed steering of the enterprise.
BusinessIntelligence
Data Information
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Why BI?
Without BI companies are likely to :-
exceed budgets
miss expectations
improper usage of funds among various depts
miss sales opportunity ignore profitable markets
focus on less performing products and services
neglect measurable metrics
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Why BI?Companies often find themselves in precarious
position due to many factors such as
Companies often find themselves in precariousposition due to many factors such as
Lacking insight tooperationalinefficiencies
take longer to identifyand address issues
Lacking visibilityacross theenterprise
difficult to coordinateactivities acrossdepartments,divisions, partners,and customers
Lacking depth ofanalysis
miss seeing abnormalvariances and
understanding rootcauses that havematerial impact onearnings
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Why BI?
Without BI, Companies end up with .
multiple versions of the truth
misaligned action across the organization
difficulty in prioritizing
inability to perform in-depth analysis not knowing where to concentrate efforts
inability to measure departmental performance
unable to locate important information
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BI for Banking Institutions - ObjectivesIncrease Customer Base
Increase Operational Efficiency
Increase Customer Satisfaction
Customer Behavior Analysis
Adherence to guidelines
Staff Performance Analysis
Increase Profitability
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Achieving Objectivesy IncreaseCustomer Base
Analysis by
y Geographical Areay Industry
y ByCategory
y By Revenue
y
By Profitabilityy Demography
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Achieving Objectivesy Increase Operational Efficiency
Productivity Analysis
y No of transactions Target Vs Actualy Inter-departmental delay analysis
y Time Spent Vs Profitability Analysis
y IncreaseCustomer SatisfactionSuggest alternate investment plans based on past allocation and
performance
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Achieving ObjectivesyAdherence to Guidelines
y Locating Deviations
y Tracking money trails
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Example Loan Performance Analysis by
geographical area
demographic segments industry type, company turnover, profitability, age of
company
amount of loan, period of loan, interest rate
occupation, duration of occupation, designation salary range
educational qualifications, marital status
loan product features
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Income Perspectivey Non-interest income level
y Fee income level
y Gross profity Interest spread
Investment return Perspectivey Return on capital employed
y Return on operating capital
y Return on Equity
Cost Perspectivey Cost to assets ratio
y Overhead cost ratio
y Cost to Income
KPIs for Banking Sector
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KPIs for Banking Sectory Interest Perspective
y Profit margin
y Operating margin
y Interest margin
y Company assets Perspectivey Non-performing assets
y Reserve requirement
y
Return on average assetsy Risk Perspective
y Value at risk
y Capital adequacy ratio
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Monthly Account Snapshot Fact
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Dealing With Multivalve Dimension
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Some touch pointsy Identification and Retention of most valued accounts
yAccounts can be differentiated based on primary
balances and analyzed on that criteriay Understanding ever dynamic customer behavior based
on different parameters
y It may be relevant for the bank to capture and store
behavior scores relating to the activity orcharacteristics of each account and household
y Snapshot of historical monthly data may be used fordefining future products
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Insurance Sectory Core Processes:-
y Issue/Renew Policies
y Collect Premium Paymentsy Process Claims
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KPIs for Insurance Sectory Policy Transaction Fact
y Number of Policy Sale
y Value of policies sold
y Number of policies renewed compared to number of policies sold
y Number of policies sold as compared to quota
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KPIs for Insurance Sectory Policy Premium Snapshot Fact
y Number of missed premiums or lapses compared to total number ofpolicies sold
y Percentage of policies that lapse within the first two years
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KPIs for Insurance Sectory Claims Transaction Fact
y Total benefits paid as a percentage of premium
y Frequency of claims
y Time taken to process a claim
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Thank You