Oracle Proprietary and Confidential 1 Oracle Banking Data Template Catalin BOGDAN Oracle Romania – Senior Presales Manager

Oracle Proprietary and Confidential 2 Overview  Bringing together data in one place is good  Use a predefined industry template  Of course, not all banks are the same  Oracle BDT is wide ranging

Oracle Proprietary and Confidential 3 What is the Template?  NOT a PRODUCT, IT’s a SOLUTION  Collection of unified banking terms/data organized into groups and containing relations among them, describing banking activities/operation.  TEMPLATE for Logical Data Model as part of DW projects.

Oracle Proprietary and Confidential 4 Business & Conceptual Model PartyChannelAccountLegal ContractEventTransactionProduct

Oracle Proprietary and Confidential 5 Why is it good?  Customer analytics – ranging from customer value analysis through to the application of data mining for customer segmentation, cross-selling opportunities, fraud detection etc.  Economic and regulatory capital allocation to support the calculation of Risk Adjusted Performance Measurement – RAPM (RORAC, RAROC or RARROC)  Support Basel II, AML, IAS, compliance with SOX or other Performance Management requirements & measures.  Seek to get a common definition of terms across a business.

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7 Objectives and roles  Save time and money by building on years of experience  Defines data attributes required for management information across the bank  Introduces data constancy across the organisation  Extendibility, providing a platform to model the bank’s unique requirements  Design basis for analysis  Enables a business conversation, link IT and business

Oracle Proprietary and Confidential 8 Customer Analysis  Segmentation  Customer value analysis  Retail banking analysis  Corporate banking analysis  CRM

Oracle Proprietary and Confidential 9 Risk Analysis  Credit Risk  Credit Analysis  Operational Risk  Scoring, rating

Oracle Proprietary and Confidential 10 Performance Measurement  Customer/Product profitability  Teller performance  Cost allocation  Transfer Pricing

Oracle Proprietary and Confidential 11 Channel Utilization  Sales report  Campaing  Channel utilization

Oracle Proprietary and Confidential 12 Experiences – Business side  Visual understanding of the planned DW  Accelerate business requirement survey  Common definitions used across the bank  Guideline for mapping Business processes & products  Report requirements could be easily validated  Suggestions for Basel II (especially for PD, LGD modeling)

Oracle Proprietary and Confidential 13 Experiences – IT side  Early discussions on what data are available and from which source system  Accelerate logical data modelling, DW design  High level data mapping between DW and source system was supported

Oracle Proprietary and Confidential 14 BDT references, projects  Data Warehouse project using BDT – OTP Bank, HU – Marketing, Basel II – K&H Bank, HU (KBC sub – Customer Analysis, Performance measurement – DSK Bank, BG – Basel II, Controlling, Risk Analysis, Customer Analysis