HP DUTCHWORLD 2008
OUTSMART THE FUTURE!



     Next Generation
     Business Inteligence
     J McDuffie Brunson
Market Dynamics –
Conversations with Top 50 Global Financial Institutions ….
                                             ...
The Game is Changing ….
                               The Game Changers Success Factor Focus
                            ...
Next Generation
Business Intelligence
  • What is today’s
      Environment like?
    • High Cost ;; High Risk
    • High ...
Today’s Approach – point sourcing for each project


                                          High Cost !
               ...
Today’s Environment - duplication driving risk and costs ….




                                                          ...
Result: “Shadow IT”
                                                                                                      ...
Next Generation
Business Intelligence
  • What does it do?
    • Lower costs; greater control of risk
    • Lower costs; g...
New Insights ; Information - elasticity of profitability

•   By client group (household / corporate entity), who provides...
Greater Ability to Act - managing the segment; a risk approach

            If we understand risk & profitability by sub-S...
Greater Ability to Act - monitoring credit portfolios


• Automatically monitor credit portfolios; on-books and
  securiti...
Greater Ability to Act - monitoring credit portfolios (continued)
Data is at the core; Provisioning is the key
 A process view; interrelated levels
                                        ...
Next Generation
Business Intelligence
  • Critical Components
    • Data Provisioning
    • Data Provisioning
    • Compre...
Data is at the core; Provisioning is the key
             Data Utility             BI Utility
 A process On-Site ; Outsour...
Next Generation Business Intelligence -                                                                   architecture



...
Next Generation Business Intelligence - architecture detail layer two
                                              Busine...
Next Generation Enterprise Governance


                                                                        Governance...
Next Generation
Business Intelligence
  • Making it a Reality
    • HP’s Experience
    • HP’s Experience
    • HP’s Exper...
Sampling of HP’s Accelerators

Data Governance                             Strategy & Funding                             ...
Next Generation Business Intelligence - Duffie Brunson
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Next Generation Business Intelligence - Duffie Brunson

  1. 1. HP DUTCHWORLD 2008 OUTSMART THE FUTURE! Next Generation Business Inteligence J McDuffie Brunson
  2. 2. Market Dynamics – Conversations with Top 50 Global Financial Institutions …. 2006 Assets (millions) Called 1 UBS AG Zurich $1,961,327  41 Royal Bank of Canada Toronto 477,432  2 Barclays PLC London 1,949,167  42 Nordea Bank AB Stockholm 457,134 3 BNP Paribas Paris 1,898,186  43 KBC Groupe SA Brussells 428,485 4 Citigroup Inc. New York, N.Y. 1,884,318  44 Groupe Banques Populaires Paris 402,090 5 HSBC Holdings PLC London 1,857,520  45 Intesa Sanpaolo Milan 383,085 6 Royal Bank of Scotland Group PLC Edinburgh 1,705,044  46 SanPaolo IMI Turin, Italy 380,022 7 Credit Agricole SA Paris 1,662,600 47 WestLB Dusseldorf 376,656 8 Mitsubishi UFJ Financial Group Tokyo 1,585,767 48 National Australia Bank Ltd. Melbourne 360,563  9 Deutsche Bank AG Frankfurt 1,480,984  49 Toronto-Dominion Bank Toronto 349,714  10 Bank of America Corp. Charlotte 1,459,737  50 Washington Mutual Inc. Seattle 346,288 11 JPMorgan Chase & Co. New York, N.Y. 1,351,520  51 Resona Holdings Inc. Osaka 343,770 12 ABN Amro Holding NV Amsterdam 1,297,604  52 Bank of Nova Scotia (Scotiabank) Toronto 336,347 13 Mizuho Financial Group Inc. Tokyo 1,269,600 53 Eurohypo AG Frankfurt 295,393 14 Societe Generale Paris 1,261,478 54 Depfa Bank AGC Dublin 294,071 15 ING Bank Amsterdam 1,178,697  55 Bank of Montreal Toronto 285,187 16 HBOS PLC Edinburgh 1,156,614  56 Credit Industriel et Commercial Paris 282,481 17 Banco Santander Central Hispano SA Madrid 1,088,015 57 Skandinaviska Enskilda Banken Stockholm 282,400 18 Unicredito Italiano Spa Milan 1,077,209 58 La Caixa Barcelona, Spain 275,416 19 Credit Suisse Group Zurich 1,025,111  59 Commonwealth Bank of Australia Sydney 273,738 20 Fortis NV Brussells 1,020,098  60 Canadian Imperial Bank of Commerce Toronto 270,380  21 Industrial and Commercial Bank of China (ICBC) Beijing 962,969 61 Standard Chartered PLC London 265,509 22 Sumitomo Mitsui Financial Group Tokyo 901,711 62 Svenska Handelsbanken AB Stockholm 261,428 23 Commerzbank AG Frankfurt 795,900  63 Australia and New Zealand Banking Group Melbourne 249,543 24 Dexia Brussells 747,045  64 HSH Nordbank Hamburg 244,587 25 Rabobank Utrecht 732,757  65 Deutsche Postbank AG Bonn 243,592 26 Groupe Caisse d’ Epargne Paris 710,801 66 Erste Bank AG Vienna 239,295 27 Wachovia Corp. Charlotte 707,121  67 Woori Finance Holdings Seoul 228,923 28 China Construction Bank Corp. Beijing 697,445 68 Shinkin Central Bank Tokyo 228,699 29 Agricultural Bank of China Beijing 684,349 69 Westpac Banking Corp. Sydney 223,079  30 Bank of China Ltd. Beijing 679,572 70 Halaba Frankfurt 221,379 31 Lloyds TSB Group PLC London 672,404  71 Bank of Communications Co. Ltd. Shanghai 219,763 32 HVB Group Munich 666,923 72 U.S. Bancorp Minneapolis 219,232 33 Dresdner Bank Frankfurt 654,928 73 Hypo Real Estate Holding Munich 213,356 34 Credit Mutuel Paris 635,685 74 DNB Nor ASA Oslo 211,536 35 Natixis Paris 604,366 75 Allied Irish Banks PLC Dublin 208,799  36 Norinchukin Bank Tokyo 602,645 76 Banca Monte DEI Paschi Siena, Italy $208,324 37 BBV Argentaria SA Bilbao, Spain 536,972 77 Bank Austria Creditanstalt AG Sydney 202,315 38 MetLife New York 527,715 78 Countrywide Financial Calabas, Calif. 199,946 39 Danske Bank A/S Copenhagen 484,515  79 Swedbank AB Stockholm 197,631 40 Wells Fargo & Co. San Francisco 481,996  80 Northern Rock PLC United Kingdom 197,556
  3. 3. The Game is Changing …. The Game Changers Success Factor Focus Critical Current  Global Credit  Fast Merger The Top Issues Crisis NEXT GENERATION BUSINESS INTELLIGENCEIntegration  Significant Reduction  – Government Business Designed  Acquire Deposits in Time to Market – Interventions Governance Managed  Increase Credit  Significant Reduction  – Global Bailout Enterprise in Scope Flows to Market in Costs  – Forced Marriages Changes at the Speed of Business  Revamp  Drive Incremental  Dramatic Collection & Income Increase in Lending New Discussions Strings  What  Risk Management Regulation  Single Customer TRANSFORMATON comeRequirements New with Bailout View – Business Model • New Information/Insights – Credit • Enterprise View – Risk Management • Flexibility in face of – Retail Banking Uncertainty – Costs & Infrastructure – Customer Management • Access to High Quality Data
  4. 4. Next Generation Business Intelligence • What is today’s Environment like? • High Cost ;; High Risk • High Cost High Risk • Siloed • Siloed • Totally Inadequate • Totally Inadequate
  5. 5. Today’s Approach – point sourcing for each project High Cost ! High Risk ! Excel & Access
  6. 6. Today’s Environment - duplication driving risk and costs …. e ss Ac c el & ft: Exc o so ! y Mic r h Risk em e nt b ! Hig M anag h C os t Hig
  7. 7. Result: “Shadow IT” Data • ETL by reporting & analytic tool; Hostage Scenarios • Storage by laptop, USB Drive, under-desk blade; Market Awareness & Research BAM, “swimming in the data” Dealer Floor Other Other Other Other Mortgage Mutual Fund Personal Customer Plan Revolving Account Insurance Vehicle Channel SOLD Lead Dun and Loan Financial Idnetification/ Account Sales Credit Servicing Analyses Manager Services Leasing Statistics Capture CAN Bradstreet Internet Check Product Development Other Other Other Other Strategy Other Application Portfolio Payment Online Brokerage Retirement Handling Checkcard Warehouse Monolith EBOX Image Request Banking (BETA) Reporting & Pricing Other Other General Ledger Tandem Logging Relationship Banking/CAP Items Processing Int'l Dep Sales Tracking Dealer Financial Services Mortgage Loan Servicing Infobase-retail demographics Commercial 401K Plan Sponsor Bank by Phone Inst Trust Exotics & Derivatives Other MBNA Safebox Demand Deposits Other Other Other Comply/Wire Other Compliance Human Resources Insurance Personal Trust Equifax Basel, KYC, AML, MiFID, Solvency2, SEC Annuity Customer Information Relationship System Time Deposits Services Enterprise Reporting ACLS Consumer Loans Finance, Operations, Regulatory CRM Risk Extracts FinanceExtracts Warehouse/Mart Product Extracts Extracts Extract Front Office/Back Office Risk AML Operations Mart Trade Execution, Risk/Exposure, Capital Risk Mart Finance Products Credit Risk CORPORATE Mart Risk Management CORPORATE EDW DW Credit, Market, Interest Rate, Operational Mart Mart Mart Extract Merger/ Acquisition Integration Mart Mart Extract Extract MARKETING Mart Extract Operational Excellence Six Sigma, TQM, Activity Costing Extract Extract 360o View of the Customer Extract Extract Extract Segmentation, Targeting, Campaign Mgt “Organic Growth” Client Experience, Profitability, Wallet Share
  8. 8. Next Generation Business Intelligence • What does it do? • Lower costs; greater control of risk • Lower costs; greater control of risk • New insights ;; information • New insights information • Greater ability to act – fast • Greater ability to act – fast • Scaleable to the Enterprise • Scaleable to the Enterprise
  9. 9. New Insights ; Information - elasticity of profitability • By client group (household / corporate entity), who provides the profits and provides the risk? • Want the names, addresses and account numbers; understand the relationship Distribution of clients Client contribution to based on profit per bank EBIT (in US$m) customer (in US$) 5% 60 100% >$400 $100 to $400 11% +40 $m 80% $0 to $100 12% 40 +61 $m 60% 59% 20 40% -$100 to $0 +16 $m +17 $m Less than Less than 20% -$400 to -$100 30% of 30% of 11% 0% <-$400 2% +3.7 $m 0 clients are clients are Total EBIT 800,000 customers -13 $m profitable profitable -16.5 $m -20 -45 $m -16 $m -40
  10. 10. Greater Ability to Act - managing the segment; a risk approach If we understand risk & profitability by sub-Segment, we can manage it !! Mortgage 3.0 only 14.007 Relationship Relative Lifetime Value Investment Only Households Only 8,212 25,319 2.0 Loan Only Prime Earners Only 5,097 1.0 Current Accounts & Savings Only 8,042 Bankcard Only 18.012 0.0 NORS Secondary Primary Relationship Type
  11. 11. Greater Ability to Act - monitoring credit portfolios • Automatically monitor credit portfolios; on-books and securitized
  12. 12. Greater Ability to Act - monitoring credit portfolios (continued)
  13. 13. Data is at the core; Provisioning is the key A process view; interrelated levels Absolute Data Transparency Required Standard Reports Users Tools Parameterized Reports Ad Hoc Queries Modeling (risk & behavioral) Analytics Data Provisioning “Quant World” Management Action Traditional BI Focus structured & unstructured Data Sources Traditional BI Focus Wisdom & Insight real time & batch Application APPLICATIONS Interfaces Operations Risk / Finance / Accounting Marketing / Sales / CRM Channel Management Product Applications OPERATIONAL BI Real Time Interfaces Continuous Events Event Triggers Substantive Testing Real-Time Pricing Fraud Management Feedback Loop Controls, Measurement, & Confirmation
  14. 14. Next Generation Business Intelligence • Critical Components • Data Provisioning • Data Provisioning • Comprehensive Architecture • Comprehensive Architecture • Enterprise Governance • Enterprise Governance
  15. 15. Data is at the core; Provisioning is the key Data Utility BI Utility A process On-Site ; Outsourced view; interrelated levels On-Site ; Outsourced Absolute Data Transparency Required Standard Reports Data Provisioning Users Parameterized Reports Tools Ad Hoc Queries Modeling (risk & behavioral) • Data Quality Access & Entitlements Analytics • Data Certification “Quant World” Management Action • Atomic Storage Traditional BI Focus structured & unstructured Data Sources Traditional BI Focus Wisdom & Insight ETL HUB • Target Data Stores real time & batch • Multiple Models Application • Reduced Data Dup APPLICATIONS Interfaces Operations • Metadata Risk / Finance / Accounting • Master Data Marketing / Sales / CRM • Real-Time Access Channel Management Product Applications • Mixed Use Platform OPERATIONAL BI Process Driven Approach Real Time Interfaces Continuous Events Leverage Investments Event Triggers Substantive Testing New Funding Approaches Real-Time Pricing Fraud Management Feedback Loop Controls, Measurement, & Confirmation
  16. 16. Next Generation Business Intelligence - architecture Corporate & Strategic Objectives / Initiatives Business Teams Technology Teams User Access Methods System Access Methods Presentation/ Monitoring & Management Delivery Enterprise Information Portal (EIP) Business Activity Batch Real-Time Governance Business Reporting, Analytics, Delivery Channels, Application Intelligence Modeling, Data Mining, Products, Operations, Dashboards Layer HR, G/L, Risk, Marketing Layer Data Aggregation & Storage Data Layer Data Integration Data Acquisition Technology Infrastructure
  17. 17. Next Generation Business Intelligence - architecture detail layer two Business Teams Technology Teams Access Methods System Access Methods Web FTP, Message Portal SOA Other Wireless DB Replication Bus Access Processes Disaster Recovery Presentation/ Enterprise Information Portal (EIP) Prioritization Information Security/ Content Publish/ Rule-Based Search Identity Rendering Across Business Activity Monitoring & Management Budgeting Subscribe Customization Engine Access Delivery Mgmt Multiple Channels Security Content Management Risk Management Metadata Batch Real-Time Rules Creation, Workflow Management, Rules Engines ITIL & ISO 2000 Compliance Metadata Management & Publishing Business Reporting Data Mining HR / G/L Business Process Management Governance Org. Application Channels People Data Czar Intelligence Analytics Dashboards Centers of Layer Operations Finance / Risk Layer Modeling Ops Reporting Products Marketing Governance Excellence Onshore/Offshore Cubes Data DW Flat SAS ODS Marts Data Files ODS ODS Technology Disaster Recovery Aggregation Reference Hubs Security & Storage Un Archive Atomic Level Structured Data Storage Client Prod. Market Optimization Service Levels Performance Levels Unstructured Structured Data Mapping and Transport Data Extract / Real-Time Data & Message Enterprise Information Transform / Load (ETL) Bus (EAI) Integration (EII) Architecture Data Models Integration Data Standards Data Quality Business Rule & Consolidation Engines Metadata Index Engines Common Business Accounting Data Certification Unstructured Data Rules Engine Engines Others Master Data Mgt Meta Data Mgt Data Operational/Transactional External Reference/Master Acquisition Customer Geography Technology Hardware Network Operations Platform DBMS Platforms, Servers, Blades Software Management
  18. 18. Next Generation Enterprise Governance Governance Organization Governance Council, Data Czar, SIGs, Accountability, Program Management, Funding Coordination, Business/Technology Alignment Program Management, Funding Coordination, Project Prioritization, Management Offshore/Onshore, SLA Management, Vendor Management Processes Data Ownership, Standards/Architecture, Models, Governance Data & Reporting Master Data, Meta Data, Quality/Certification Functions Standards/Architecture, Security, Compliance, Risk Management Technology Offshore/Onshore, Disaster Recovery, Testing, Tech Rationalization Technology Environment People & Processes Access User Access Methods System Access Methods Center of Access / Presentation / Delivery Monitoring & Management Presentation/ Competency People, Processes, Tools – Delivery Enterprise Information Portal (EIP) SOA, Access, Portal, Batch Real-Time Business Activity Business Center of Business Intelligence Reporting, Analytics, Application Delivery Channels, Intelligence Modeling, Data Mining, Products, Operations, Competency People, Processes, Tools – Dashboards Layer HR, G/L, Risk, Marketing Support for Access Tools Analytics, Reporting Layer Data Aggregation & Storage Center of Data Layer Data Layer Data Integration Competency People, Processes, Tools – ETL, Metadata, Master Data, Modeling, Storage Data Acquisition Center of Technology Infrastructure Technology Infrastructure Competency People, Processes, Tools – Optimization, Performance, SLAs, Security
  19. 19. Next Generation Business Intelligence • Making it a Reality • HP’s Experience • HP’s Experience • HP’s Expertise • HP’s Expertise • HP’s Accelerators • HP’s Accelerators
  20. 20. Sampling of HP’s Accelerators Data Governance Strategy & Funding Data Environment • HP IT Governance Methodology • Master Plan Methodology • Acquisition • HP Data Governance – ETL Architecture / Design /Hub – HP PPM tool • Largest FSI Implementations – Cobol conversion code • Data Quality, HP Software • Prioritization / Budgeting – Compliant Document Capture Solution • MDM • HP Financing options – HP Scanning – Financial Reference Data • Onsite Outsourcing Options • Integration – Market Data – Information Quality Methodology – CDI, Federated data concept – Processes – HP CDMA & data mapping – Scoring / Certification application – Service Levels Agreements • Program Management • Aggregation & Storage – HP Global Methods Next Generation Data Environment Access User Access Methods System Access Methods – Staging, Central Storage – HP PPM Monitoring & Management Presentation/ Delivery Enterprise Information Portal (EIP) – Tiered / on-demand Archives • Centers of Competency Batch Real-Time – Redaction / Masking Business Activity – Global Delivery Application Business Intelligence Reporting, Analytics, Modeling, Data Mining, Application Delivery Channels, Products, Operations, Services (GDAS Layer Dashboards Layer HR, G/L, Risk, Marketing • Right shoring Factory Data Aggregation & Storage Business Intelligence Data Layer – Global Delivery, GDAS Data Integration Data Acquisition Technology Infrastructure • Meta-Data Driven • Real time analytics capability • Reporting “Supermarkets” Technology Infrastructure Development • • Virtualization “Data Driven” Strategies • Cost reduction transformations • HP Global Methods for BI • Executive Dashboards, Scorecards • Best practice collection FSI • FSI specific models • High Performance Computing • ABC frameworks – • Neoview BI platform audit. balance & control • HP Software tools (test automation, demand • ESS BI platforms mngt, operations, project and program mngt) • IPG capture technology • ITSM methodology and tools • Data Center Transformation, Green IT • Process & Controls (ITIL 2000) • HP hardware sizing labs and reference • Reference Architecture configurations • Industry Data Models • User Focused testing • Performance tuning guides

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