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Agenda

Data Warehousing And BI Implementation In HDFC Bank Zenita Ichhaporia (zenita.ichhaporia@hdfcbank.com). Agenda. Introduction BI Tools Used For Decision Making BI Usage in HDFC Bank Organizational Preparedness HDFC Bank DWH Implementation.

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Agenda

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  1. Data Warehousing And BI Implementation In HDFC BankZenita Ichhaporia (zenita.ichhaporia@hdfcbank.com)

  2. Agenda • Introduction • BI Tools Used For Decision Making • BI Usage in HDFC Bank • Organizational Preparedness • HDFC Bank DWH Implementation

  3. Introduction

  4. Product Analysis Profitability Customer Segment Analysis Data Warehouse Online analyticalprocessing What IS BI ? Risk Analysis Data Mining MIS & Reports Statistical Analysis Forecasting

  5. Wikipedia Defination Of BI • Business intelligence (BI) is a business management term, which refers to applications and technologies that are used to gather, provide access to, and analyze data and information about company operations. • Business intelligence systems can help companies have a more comprehensive knowledge of the factors affecting their business, such as metrics on sales, production, internal operations, and they can help companies to make better business decisions.

  6. BI Usage In HDFC Bank • Cross-Sell and Up sell • Know Your Customer • Develop New services and products • Fraud Detection • Establish Customer’s Credit worthiness for giving a loan • Rating of SMEs and Corporates based on Industry Standards

  7. Organizational Preparedness • Critical Mass of data • 684 branches • 1605 ATMs across 316 towns and cities. • Organizational Culture • Top Management Direction • Readiness to invest • Computerized Core Banking Systems • Availability of a central repository of data

  8. HDFC Bank Implementation

  9. Multiple Systems

  10. The Process

  11. The Consolidation Roll Up

  12. Slicing And Dicing

  13. Analytics

  14. CRM Analytics • New Customer • X-Sell • Product Holding • Customer Attrition

  15. Profitability Analysis • Profitability Analysis • Customer Profitability – Financial • Customer Profitability – Usage • Customer Profitability - Marketing

  16. Profitable Customer ?

  17. Deposit - 15 Lacs • The Opportunity …… • Salary Accounts • Car Loans • Personal Loans • Low cost channels

  18. Deposit 1.5 Lacs

  19. Hidden Customer

  20. Channel Analysis • Channel Preference • ATM Transactions • Branch Transactions • Telephone Banking • Net Banking • Mobile Banking • POS

  21. Retail Risk • Delinquency Analysis • Age on Book • Cheques Presentation • Loan Analysis • Retail Concentration

  22. Data Mining Finware De-Duping Cleansing Staging Area FinOne Vision Plus Flex@ MIS TPP OLAP Tool ETL Tool Base24 Reports Debos Others Mktg Marketing Householding Contact Weekly Load DWH Architecture Sources Acquisition Management User Access EDW Reports ODS Analysis Unica OCRM CRM

  23. Data Repository Basel AML Marketing Scoring EDW Unica (data preparation, data analysis, campaign execution & modeling) Origination Systems Enterprise Data Business User Warehouse Applications Access Call Centers & Branches

  24. Challenges • Ownership • Continuous Development • Large infra Structure • Usage • Definitions • Commitment

  25. Thank You

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