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Oracle Proprietary and Confidential

Oracle Banking Data Template

Catalin BOGDAN

Oracle Romania – Senior Presales Manager

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Oracle Proprietary and Confidential

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

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Oracle Proprietary and Confidential

What is the Template?

NOT a PRODUCT, IT’s a SOLUTIONCollection 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.

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Oracle Proprietary and Confidential

Business & Conceptual Model

Party

Channel

AccountLegal Contract

Event TransactionProduct

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Oracle Proprietary and Confidential

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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Oracle Proprietary and Confidential

DATA REPOSITORY

PILLARS I, II, III

TECHNICAL ARCHITECTURE

DATAWAREHOUSE - Banking specific info

Disaster Recovery Security Backup Disaster Recovery

DATA MARTProfitability & Risk

ManagementProcess Integration

General LedgerConsolidation

TRANSFER PRICINGFoundation for RWA

Operational Risk

PILLAR I

MINIMUM CAPITAL REQUIREMENTSCredit RiskMarket Risk

Operational Risk

PILLAR I

RISK ADJUSTED PERFORMANCE MANAGEMENT

PILLAR I,II,III

ASSETS ANDLIABILITIES

MANAGEMENT

Interest rate risk(Banking Books)

PILLAR II, III

AUDITINTERNAL PROCESSES

& REGULATORY COMPLIANCE

PILLAR II, III

MARKET RISK(VaR)

PILLAR I

BUDGETINGAND

PLANNING

Multidimensional budgeting

(per product, LOB, cost

center, business unit)

(Basel II consequence)

REPORTING & ANALISYS

PILLARS I, II, III

PR

OF

ITA

BIL

ITY

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Oracle Proprietary and Confidential

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

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Oracle Proprietary and Confidential

Customer Analysis

Segmentation

Customer value analysis

Retail banking analysis

Corporate banking analysis

CRM

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Oracle Proprietary and Confidential

Risk Analysis

Credit Risk

Credit Analysis

Operational Risk

Scoring, rating

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Oracle Proprietary and Confidential

Performance Measurement

Customer/Product profitability

Teller performance

Cost allocation

Transfer Pricing

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Oracle Proprietary and Confidential

Channel Utilization

Sales report

Campaing

Channel utilization

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Oracle Proprietary and Confidential

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)

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Oracle Proprietary and Confidential

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

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Oracle Proprietary and Confidential

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