CRisMac Solution For MIS-ADF

Introduction - RBI Requirement

Seamless flow of data from Individual source system into a Centralized

Data Repository

Accurate and Timely submission of regulatory reports without any

manual intervention

Transformation of Data to be submitted to RBI through various layers:

• Data Acquisition Layer

• Data Integration & Submission Layer

• Data Conversion/Validation Layer

• Data Submission Layer

Need for a common end state covering the dimensions of Process and

Technological maturity

Benefits of Automation:

Improved Timelines

Enhanced Data Quality

Improved Efficiency of Processes

Reduced Costs

Use of the CDR for MIS Purposes

CRisMac in Banks

Comprehensive Database (Assets, Liabilities & others)

Interfacing with transaction system

Existing customers / accounts.

New customers/ accounts.

Cross validationCross validation of parameterized data

Gen of business & regulatory MIS

Gen of Information of Dash Boards for executives

Gen of monitoring reports on banking ops.

Generation of internal analytical reports.

Processing engine for granular data output for DSS Automated asset classification & provision computation.MOC incorporation.Generation of compliance reports (pre/post MOC).Basel II computation of RWA of loans & generation of XBRL output as per RBI taxonomy.Generation of CIBIL outputs

Commercial & consumer data (new & old formats).CIBIL mortgage & CIBIL detect (available).

Credit monitoring reports.Potential NPA reports.Review / renewal monitoring reports.Document / insurance due date monitoring.Limit wise, age wise classification reports.

CRisMac in Banks

Facilitating audit process at branch / RO/HO level.

Closing returns (pre/post MOC ) for loans assets

Verification of fresh slippages/ upgradation.

Verification of RW computation for Basel II compliance

Reconciliation of MOCs and net effect verification.

Movement of gross / Net NPA / provision at account level.

Generation of Schlix of BS.

Generation of regulatory returns

BSR 1A , 1B in ASCII format

DSB returns

Priority sector returns.

CRisMac in Banks

Work Flow of ADF by RBIData

Integration & Storage

Implement the business logic

Map target data to repository data structure

Define the business logic for mapping and

validation

Common End State

Bank Current

State

Prepare and implement the

calendar for returns submission

Build the return submission tracking

mechanism

Build provision for generation of certificate

Build provision for receiving and interpreting

feedback from Reserve Bank systems

Data Acquisition

Data Submission

Data Conversion

Define standard data structure for storage

Ensure data is loaded to centralized data

repository

Build a common metadata framework

Work Flow of CRisMac ADF by D2K

Road-map for implementation

CRisMac ADF Extraction Process

SOURCE OF FIELDS

USER_DIRECTIONS

CBS TO STG

SQLs

STG TO TEMP_diagram

SQLs STG TO TEMP

TEMP TO MAIN

SQLs TEMP TO MAIN

BRANCH_REALLOCATION

TIMEKEY_CHECK

BG_STATUS

UNIFORM BRCODE

CRisMac ADF Extraction Process - SSIS

CRisMac ADF Extraction Process - SSIS

CRisMac ADF Extraction Process - SSIS

Data Quality & Cleansing through CRisMac ADF

Data Issues:Invalid DataConflicting DataInsufficient Data

Quality Data leads to:Increased efficiency.Enhanced customer satisfaction.Drives profitability of organisation.

Poor Quality Data:Conflicting reports.Flawed business plans.Erroneous decisions

Total number of source records:

Percent of missing column values: May be represented by NULL or a

dummy value such as NA, Unknown, or 9999 etc in source data.

Percent of referential integrity errors.

Missing file indicator.

Source system schema change indicator.

Flagging suspicious data values: Exceptionally high or low values.

Data Quality & Cleansing through CRisMac ADF

CRisMac ADF - GAP Data Interface

Inward-Outward RemittancesUnclaimed DepositsDetails of Service Tax PaidTrade Credit ApprovalsBSR-IIITrade Credit Disbursements & Debt ServicingNHAG DetailsBond DetailsBank ReconciliationCredit Card Business DetailsSundry Debtors.Loan Sale Securitization DetailsBullion Import DetailsBSR-IV

Mode of Operation Change Branch Selection

AddEdit/DeleteView

Reports

RBI 28- Balance sheet Analysis

RBI 31- DSB Return no-III report on Quarterly operating results

RBI 36-Statement of Structural Liquidity

RBI 37 Statement of Interest rate sensitivity – rupee

RBI 109–BSR Accounts with Credit Limits of Over Rs 2 lakh

RBI 110 B –BSR Classification of Term Deposits According to Original Maturity

RBI 110 C –BSR Classification of Term Deposits According to Interest Rate Rang

e

RBI 110 E -BSR Classification of Term Deposits According to Residual Maturity

RBI 189-SME_IOutstanding

Credit to Micro Small and Medium Enterprises (MSME) Sector

RBI 197 -Half Yearly Adhoc data on Priority Sector Advances

RBI 200- State wise Yearly return on Priority Sector Advances (Final)

Reports

CRisMac ADF - Key Solution components

Solution/Service Component Proposed Components

ADF solution CRisMac©

Data Base SQL 2008 R2 Enterprise edition

ETL SQL Server Integration Services (Built-in with MS SQL Server license)

Interface Visual Studio 2010

Hardware Compatible servers from recognized vendors as per Hardware requirements

CRisMac ADF Solution Architecture: Physical

CRisMac ADF - High Availability Architecture

Clustering of Database Servers

Clustering of Application servers

Redundant Power, LAN, FC Interfaces

Redundant Boot Disks for Operating systems

ISCSI Based Blade Storage deployment

Remote Management and Proactive Diagnosis of Hardware

SQL DB Mirroring

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