Business Intelligence

@
YES BANK
Presented by:
Khyati Shah
Loveleen Gill
Shachee Swadia
Soumabrata Dasgupta
Zafar Siddiqui
 Agenda
About the company
BI in Banking
Business Challenges
Need for BI in Yes Bank
BI Tool
Advantages/Disadvantages
Recommendations

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 Yes Bank
Founded in 2003-04 by Kapur duo

Headquarters in Mumbai, India

Follows a Knowledge driven approach

Development and Knowledge Banking Division

Awarded
The most innovative bank in India year 2008

The most sustainable bank of India year 2009

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 Verticals@ Yes Bank

Yes Bank

Corporate
Wealth
and Corporate Branch Investment Financial Transaction
Manageme
Institutiona Finance Banking Banking Markets Banking
nt
l Banking

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 Business Intelligence
BI refers to application and technology, which is used to gather to
provide access to, and analyze data and information about the
company operations

It is an architecture and a collection of integrated operational as well

as decision-support applications and databases that provide the
business community easy access to business data

BI in a bank bridges a legacy database with departmental databases,

giving branch managers and other users access to BI applications to
determine who the most profitable customers are or which
customers they should try to cross-sell new products to.

The use of these tools frees information technology staff from the
task of generating analytical reports for the departments and it gives
department personnel autonomous access to a richer data source.
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Evolution of BI

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 BI in Banking
Chronological Historical analysis for future strategies
Analysis Derivative indicators assessed over time

Create a client database

CRM Assists a firm administer client relationship in a planned manner

Performance intermittent evaluations to take remedial actions in case of

discrepancies
Accounting
Banks relocate, allocate, buy and sell financial risks
Risk Management Assessment of diverse risks for accuracy and analytical competence

Regulatory information centric regulatory needs like SEBI clause 49, Basel norms
Conformity Precise and organized compilation of data for action

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 Business Challenges
Inconsistencies and non uniformity of data
Different departments pulled out reports from their systems and
forward it to their stakeholders

Lack of a dedicated staff

Hierarchical report generation process
Delayed report generation for users
Incomplete data

Information Security
Anyone could access the data anytime as information was available on a FTP
Distribution of information reports through E-Mails

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 Business Challenges
Manual & inefficient processes
Eg. Nearly 200 reports were prepared manually by users in various
departments which made the bank operations unproductive and costly

Lack of integration between systems

Difficult to generate certain MIS reports resulting in loss of business
opportunities

Extracting intelligent information in real time was a challenge

High competition
Need for specific customer requirements & behavioral patterns for cross
selling, up selling , etc.

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Answer to the Challenges

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 Make or Buy Analysis
Constraints of Buy
Recession and Budgetary constraints

Uneconomical and difficult ROI

High implementation costs

Motivation for Make

Low Cost

Customizable (Enhancements)

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 Kaleidoscope
A home grown BI Solution
Partnership of Business and IT functions by development of
BICoE
In-house expertise without any implementation partner
Freeware LogiXML used as a reporting frontend
Integrated with custom built application
Fast Deployment within 2 months

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Why Kaleidoscope?

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 4 Phases : Kaleidoscope
1. Extracting information from multiple MISs
Role based access feature
Actionable in nature and help teams take productive decisions

2. Interlink the BI and BPM Solution

3. Basic and flexible analytics
4. Include advanced analytics
What if scenarios

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 Kaleidoscope Team

BICoE Team

Outsourced Each Business Programme

Executives Unit Manager

Technical Business Project

DB Structures VB Scripting
Analyst Analyst Manager

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 Technical Aspects
IBM Power5 based database servers and xSeries application servers
Windows Server 2003 Enterprise Edition
Front end reporting: LogiXML
Web based reporting server
Interactive analysis (dashboard, charts, grids)
Enables developers to rapidly build sophisticated custom applications
through hundreds of pre-built elements
No user fees licensing

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 Advantages - Kaleidoscope
Information Security
Relevant, meaningful and accessible data
Everyone received common data
No inconsistencies in data

Single view to the customer

Products bought by the customers appear in a single screen

Smooth report generation process

Relevant data for MIS processing
Earlier with MIS the delay was of 24 hours
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Advantages of BI to Yes Bank
Extended to the Lowest User not just Power Users
Automation eradicated the manual errors in reports
High Cost Savings about 6 Crores
Automation
Productivity Gains (2300 users of the system)
In-house Product
Release of FTE dedicated to MIS analysis
Customer One View
Enabled superior service
Better Cross Selling
Deepening Relationship
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 Recommendations
The bank was awarded the Financial Insights Innovation
Award for innovation in Business Intelligence at the Asian
Financial Services Congress

YES Bank is a Silver EDGE (2010) winner.

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 References
1. Mr. Shankho Gupta Branch Manager, YES Bank Bangalore

2. http://www.yesbank.in/

3. http://www.yesbank.in/it.htm

4. http://business.mapsofindia.com/business-intelligence/for-
banking.html

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