consumer debt analysis agendahexagonconsulting.net › pdf › consumer-debt.pdf · agenda!...
TRANSCRIPT
AGENDA!CONSUMER DEBT ANALYSIS!
THE BUSINESS OPPORTUNITY!
THE SOLUTION!
THE POWER OF HANA!
OUR ENGAGEMENT MODEL!
CONCLUSIONS!
1!
2!
3!
4!
5!
CONCLUSIONS!
THE BUSINESS OPPORTUNITY!
THE SOLUTION!
THE POWER OF HANA!
OUR ENGAGEMENT MODEL!
CONCLUSIONS!
1!
2!
3!
4!
5!
CONSUMER DEBT ANALYSIS!
➜ 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!
➜ 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%
CONSUMER DEBT ANALYSIS!
CONCLUSIONS!
THE BUSINESS OPPORTUNITY!
THE SOLUTION!
THE POWER OF HANA!
OUR ENGAGEMENT MODEL!
CONCLUSIONS!
1!
2!
3!
4!
5!
➜ 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!
THE SOLUTION!CONSUMER DEBT ANALYSIS!
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!
➜ 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!
THE SOLUTION APPROACH!
LOGICAL DATA MODEL!
THE SOLUTION!
Start Model with 50 tables.!Reference:!➜ 200.000 customers !➜ 1.6 billons records !➜ < 40 GBytes !
PHYSICAL DATA MODEL!
➜ 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!
➜ Tools: Suite of SAP Business Objects for dashboard and analytical report generation, SAP Infinite Insight for predictive reports!
PRESENTATION!!
THE SOLUTION APPROACH!
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!
REPORTS!CONSUMER DEBT ANALYSIS!
TOTAL BANK CONSOLIDATED VIEW BY RISK RATING!
REPORTS!CONSUMER DEBT ANALYSIS!
TOTAL BANK CONSOLIDATED VIEW BY RISK RATING!
REPORTS!CONSUMER DEBT ANALYSIS!
TOTAL BANK CONSOLIDATED VIEW BY RISK RATING!
REPORTS!CONSUMER DEBT ANALYSIS!
CUSTOMER RANKING BY IMPACT ON PROVISION CHANGE!
REPORTS!CONSUMER DEBT ANALYSIS!
360° CUSTOMER VIEW!
CONSUMER DEBT ANALYSIS!
CONCLUSIONS!
THE BUSINESS OPPORTUNITY!
THE SOLUTION!
THE POWER OF HANA!
OUR ENGAGEMENT MODEL!
CONCLUSIONS!
1!
2!
3!
4!
5!
➜ 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!
CONSUMER DEBT ANALYSIS!
CONCLUSIONS!
THE BUSINESS OPPORTUNITY!
THE SOLUTION!
THE POWER OF HANA!
OUR ENGAGEMENT MODEL!
CONCLUSIONS!
1!
2!
3!
4!
5!
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!
CONCLUSIONS!
THE BUSINESS OPPORTUNITY!
THE SOLUTION!
THE POWER OF HANA!
OUR ENGAGEMENT MODEL!
CONCLUSIONS!
1!
2!
3!
4!
5!
CONSUMER DEBT ANALYSIS!
ABOUT b2tec - HEXAGON!
➜ Founded in 2001!➜ +100 employees!➜ Focus in SAP Analytical and
Transactional banking!➜ +50 Customers!
➜ Consumer Debt Analysis, powered by HANA!
➜ SAP Predictive Analytic tools & b2tec-Hexagonʼs capabilities in business and technology: !
➜ MAXIMIZES ROI!
CONCLUSIONS!CONSUMER DEBT ANALYSIS!
THANK YOU! !
Reinhard Molter Mobile : +54 (911) 6250 3338 [email protected] www.hexagonconsul'ng.net
