iBIDS: Comprehensive BI Solution for Insurance

1. iBIDS: Comprehensive BI Solution for Insurance Business Intelligence for Decision Support

2. Insurance Business Drivers • Migrate from fixed to variable costs - both onshore and offshore • Drive up profitability / margin • Improve distribution & client service levels, segmentation, retention & revenues per client • Increase servicing efficiencies & automation and lower breaks/exceptions • Address operational risk controls in insurance product manufacturing • Ensure all processes are compliant with current and new regulatory guidelines • Gain utmost benefit & transparency from existing IT investment & staff • Extend efficiencies across supply chain • Reduce total claims costs as well as cost of claims operation

3. Business Intelligence Trends • BI standardization • While BI has been deployed departmentally, IT organizations are driving enterprise BI standards • BI to the masses • Deploying BI to the “corporate middle class” has started • BI meets applications and processes • Analytic tools, application package, and integration worlds continue to collide • Predictive and applied “inline” analytics • ITOs will put a bigger focus on predicting and integrating analytic solutions to solve business problems at the point of interaction instead of providing retrospective analysis Source: Andreas Bitterer, Gartner Group, Business Intelligence: Trends, Directions and Best Practices, Sep 2006

4. BI Continuum: On the Way to Pervasive BI Analysts/Mgmt. Strategy Process BI Continuum Measure Decide Align Optimize Discover Innovate Signposts: IT driving BI CPM driving strategy Analytics driving process optimization BI driving business transformation Users: Specialists, analysts Managers, customers, partners Operations, point of work Pervasive Role of BI: Passive: Delivery of information Linked: Integrated plans & analyses Active: Intelligent decisions made quickly Networked & Collaborative: Constantly augmenting & optimizing performance Source: Andreas Bitterer, Gartner Group, Business Intelligence: Trends, Directions and Best Practices, Sep 2006

5. Consumerization of use of information • High expectation of ability to use and access • Standardization/commoditization • Basic BI platform functionality (i.e., reporting, query, dashboards) broadly available & “good enough” • Modularization • BI functionality becomes more componentized and service-oriented • Users and developers can more easily customize • Users can add value in pursuit of self-interest • Networked collaboration • Fosters environment of innovation and contribution • Ability to easily share and manage user insights and contributions across wide numbers of users and applications (not just internally, either) • Skills • Lack of best practices and methodologies to manage a complex and pervasive set of BI capabilities • Users can’t understand the analysis and correctly interpret the results • Stability and flexibility of business processes • Low process maturity • Lack of closed-loop process management • Silo think • Of infrastructure, applications, definitions, rules, calculations, etc. • “NIH” syndrome • Spreadsheet as information systems “duct tape” • Sponsorship • Limited vision and perceived business value/impact Major Drivers and Inhibitors to Pervasive BI Source: Andreas Bitterer, Gartner Group, Business Intelligence: Trends, Directions and Best Practices, Sep 2006

6. Compliance EnterpriseArchitects BusinessSponsor BIApps. CPMApps. CompetencyCenter EmbeddedAnalytic ServiceProviders EmbeddedAnalytic BIApps. Shift Focus From Individual Projects to BI as Core Competency • Function of BI Competency Center • Provide vision and strategy and business plan for integrated BI initiatives. • Define standards; establish overall BI applications architecture. • Define and manage product portfolio. • Program management across business, IT and service providers. • Define information standards: data, business rules, governance, quality … • Drive competency and consistency via education and support. • Make BI into a core competency. Source: Andreas Bitterer, Gartner Group, Business Intelligence: Trends, Directions and Best Practices, Sep 2006

7. iBIDS – Next-Generation BI Solution for Insurance • Comprehensive enterprise-wide BI platform • Data integration and warehousing • Data purity and integrity • Built-in connectivity to operational data stores • Advanced OLAP and Data Mining capabilities • Integrated with leading BI front-end tools and technologies • Built on “Think Big - Build Step-By-Step” philosophy • Provides end-to-end Single view of business • Business process KPI driven • Rapid Development and Cost Effective Business Intelligence for Decision Support

8. Budget/Planning Market Segmentation Delinquency Patterns Cross-sell/Upsell Customer Segmentation Fraud Detection Channel Utilization iBIDS – Key Business Process Coverage Areas Business Intelligence for Decision Support Product Configuration Campaign Management

9. Logical Infrastructure Stability, Scalability and Performance Service Operational Excellence OLAP Data Driven Decision Support Analytic Models Towards “Business Excellence” iBIDS – Solution Framework Performance Measurements Market/customer segmentation Organizational Planning OLAP Targeted Marketing OLAP Finance OLAP Communication Management Consistent MIS Liability cash flow projections Customer Profitability EDW LDM Product profitability Ad-Hoc Reporting Compliance Reporting Investment cash inflow projections Customer Service OLAP Profitability Meta Data Reinsurance Data Quality Customer Litigation OLAP Prepared Data Acquisition/Retention OLAP Indemnity vs. process Actuarial Claims OLAP Counts, cost, Open Renewal/ Retention propensity Underwriting Event based reserving models Product Configuration

10. Customer profitability • Customer LTV (Life time value models) • Renewal/ Retention propensity • Indemnity vs process • Liability cash flow projection • Investment cash inflow projections Predictive Analytics Financial Analytics Segmentation Analytics Enterprise iBIDS LDM • Dynamic run time color coding of parties like profitable customers Risk Analytics Behavioral Analytics • Large losses • Fraudulent patterns • Event based reserving models • Demographics and psychographics for cross sell /upsell iBIDS – Solution Framework

11. Customer Analytics Demographic, psychographic and geographic Information Customer consolidation and household hdentification Application, Account details, Financial details, Scoring and Loyalty Market research / Survey details Marketing Program Customer Segmentation for a Promotion Targeted as well as Event Driven Marketing Direct / Indirect Customer Responses Planning and Performance Cost and Revenue Allocations as well as achievements Financial details of Organization Profitability for Organizational hierarchy Product and Service Management Product Feature Coverage and Pricing (Actuarial) Channel Utilisation (including service providers like Hospitals, Medical practitioners) Profitability Communication Proposals, Quotes, Complaints, Queuing Claim Notifications Campaign Communication Customer Contact Management Web Data Analysis Risk Analysis Large Losses Fraudulent patterns Event based reserving models Policy, Claim, Actuarial and Underwriting Analysis Policy Persistency Renewal / Retention Propensity Indemnity vs. process Reinsurance Litigation iBIDS – Logical Data ModelFunctional Coverage

12. iBIDS Capabilities: DashboardsEncapsulation and Rendition of Enterprise BI Needs • Dashboards on key measure • Analyze Trends for your key measure • Analyze key measure against product category or Rate Plans

13. iBIDS Capabilities: ReportingActionable Intelligence based on KPIs and Operational Metrics • Reports and Analytics available on key subject areas • Templates available for rapid deployment • Templates based on TCS rich Domain Expertise and BI experience

14. iBIDS Capabilities: High-end Analytics and Predictive Modeling Customers sorted in likelihood to purchase a product

15. Financials Distribution CRM ERP SRM Data Warehouse Service Planning Oracle’s Superior BI Architecture Designed for Business Insight and Actionable Results Competition: Cost and Complexity Oracle: Single, Integrated, Global, Scalable, Real-Time Repository Purchasing Data Product Data SupplierData ManufacturingData Transportationand LogisticsData Demand & Order Data Pricing Data Projects Data Customer Data HR/HCM Data Financials Data & Consolidations and Daily BusinessIntelligence

16. iBIDS Value: Pervasive, Real-time Insight • Enterprise semantic model • Model centric vs. report centric • Pervasive business insight • Personalized and embedded information • Real-time predictive insight • Activity monitoring and predictive analytics • Insight driven actions • Guided analytics enforce process • Standards based architecture • Infrastructure integrates with yours • Fastest time to value • Pre-packaged analytic applications • Lowest Cost of Ownership • Faster deployment, easier maintenance, less risk Executives Managers Front-lineEmployees

17. iBIDS Value: Actionable Insight for All Roles

18. iBIDS Value: Actionable Insight for All Users

19. Information Access, Analysis and Delivery Options Web Services & Integration Intelligence Dashboards Advanced Reporting Ad-hoc Exploration Proactive Detection and Alerts In-Context Operational Insight Mobile Analytics Data Mining Marketing Segmentation Open Intelligence Interface Oracle BI Server • Single, logical view of all enterprise data (one version of the truth) • Scalable Performance • Rich Analytical Capabilities • Centralized control, security and visibility Enterprise Business Model Metadata Services Intelligent Multi-Level Caching Services Data Mining Services Real-Time Decisions Engine Multidimensional Calculation and Integration Engine Intelligent Request Generation and Optimized Data Access Services • All relevant enterprise data sources Other SAP BW Siebel OLTP Oracle BAW Enterprise DW Department Data Marts BackOffice Multi-dimensional(MDX) Sources File or XMLSources Relational (SQL) Sources iBIDS Value: A Comprehensive Next-Generation BI Platform

20. TCS BI/Oracle CustomersInsurance • AIG, USA • Aviva, UK • AXA, UK • Gen Re, Europe • Prudential, USA & UK • Swiss Re, Europe • USAA, USA

21. Gartner on TCS Business Intelligence Implementation Services MQ

22. IDC on TCS (2/06)Excerpts from IDC White paper on “Partnering for Successful Business Analytics Projects” • TCS has a robust solution implementation methodology with supportive internal business processes • TCS develops customizable templates and other reusable assets to replicate client success stories based on industry and technology expertise • Dedicated technology centers of excellence ensure that TCS has employees with the proper technical skills, meaningful technology partnerships, and best practices and know-how that are being captured for reuse

23. IDC Names Oracle Business Analytics Leader for 2005 (11/06) • Oracle Named Worldwide Market Share Leader in Business Analytics Software and Data Warehousing Tools (3rd consecutive year) • Oracle's Business Intelligence (BI) solutions encompass a comprehensive, integrated set of leading products including packaged BI applications, BI platform infrastructure software, and data warehousing. • Oracle was the largest business analytics vendor with 13.1 percent market share and revenues of nearly $2.2 billion for 2005 (IDC, “Worldwide Business Analytics Software 2006-2010 Forecast and 2005 Vendor Shares”) • Oracle is the leader in the data warehousing tools market with 19.3 percent market share and nearly $1.9 billion in software revenue for 2005 (IDC, “Worldwide Data Warehousing Tools 2005 Vendor Shares”)

24. iBIDS: Comprehensive BI Solution for Insurance Business Intelligence for Decision Support