200708 Is3431 L04 B1


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200708 Is3431 L04 B1

  1. 1. Group Project Phase 1 Topic: Bank IS3431 Systems Analysis
  2. 2. Outline Jack Nick Carrie Thomas PoPo Chiu Yan Yan, Carrie 50926591 Leung Chun Yu, Thomas 50941430 Wong Tak Yan, Nick 50713721 Fong chi Hong, Jack 50929255 Ngan Po Po, PoPo 50932470 Company Background 1 B usiness Requirement 2 Information system scope & objectives 3 Business Functional Processes 4 Information Requirements 5
  3. 3. <ul><li>the second largest bank in Hong Kong </li></ul><ul><li>a listed company and has been founded since 1933 </li></ul><ul><li>a main member of the HSBC Group </li></ul><ul><li>vision : to raise shareholder’s interest by strengthening its position as a leading financial institution in Greater China region </li></ul><ul><li>about 150 branches and automated banking centers in Hong Kong </li></ul><ul><li>around 8400 staff supporting daily banking operation </li></ul>Background Hang Seng Bank Limited
  4. 4. <ul><li>Main services : personal financial services and business banking </li></ul>Background Hang Seng Bank Limited <ul><li>banking services, cards, mortgages, loans and insurance </li></ul><ul><li>bank account, cash management, investment, loans, cards, insurance and MPF and trade. </li></ul>Personal financial services Business banking
  5. 5. Information system scope & objectives <ul><li>Main personal financial services: Mortgage </li></ul><ul><ul><li>a way to use property as security for the payment of a debt </li></ul></ul><ul><ul><li>the most popular way of generating fund when acquiring flats </li></ul></ul><ul><li>Minimum first installment amount: 30% of the fair value of the property </li></ul><ul><li>Maximum repayment period: 30 years </li></ul><ul><li>Minimum monthly payment ≦50% of personal monthly salary </li></ul>
  6. 6. Overall Purpose Statement <ul><li>To raise market share </li></ul><ul><li>To enhance the efficiency and effectiveness of bank staff </li></ul><ul><li>To improve customer service </li></ul><ul><li>To estimate interest income generated in mortgage loan </li></ul><ul><li>To factor the external business environment into decision making </li></ul>
  7. 7. Business Functional Processes <ul><li>to receive customer’s request through </li></ul><ul><ul><li>property agency company </li></ul></ul><ul><ul><li>on-line application </li></ul></ul><ul><ul><li>customer personnel manager </li></ul></ul><ul><li>to collect : </li></ul><ul><li>Home mortgage loan application form </li></ul><ul><li>ID/Passport original and photocopy </li></ul><ul><li>Proof of current residential address </li></ul><ul><li>Certificate of property ownership </li></ul><ul><li>Provisional sale or purchase agreement </li></ul><ul><li>The customer’s income proof of the latest 3-6 months </li></ul><ul><li>Bank statement for the previous 3 months </li></ul><ul><li>Tax return for the past year </li></ul>
  8. 8. Business Functional Processes <ul><li>to evaluate the property’ value by Hang Seng Bank’s internal property valuation department </li></ul><ul><li>to draft a mortgage plan by loan credit department after analyzing the customer’s repayable ability and risk </li></ul><ul><li>5. to send the mortgage plan to the branch personnel manager </li></ul>
  9. 9. Business Functional Processes <ul><li>to issue offer letter to the customer </li></ul><ul><li>to receive the customer’s acceptance or return </li></ul><ul><li>8. to notify the customer to buy insurance from HKMC if the amount of mortgage loan is more than 70% of the property’s value. </li></ul>
  10. 10. Business Functional Processes <ul><li>to inform law firm to draft mortgage deed </li></ul><ul><li>10. to sign the mortgage deed </li></ul><ul><li>11. to collect handling fee ,notarization fee, valuation fee, solicitor fee and legal charges </li></ul>
  11. 11. Business Functional Processes 12. to receive the notification of the law firm and deposit the loan amount to the law firm’s account 13. to keep the mortgage deed under Hang Seng Bank’s custody until the customer fully repaid the loan
  12. 12. 1. to provide information to estimate the interest rate 2. to provide information to estimate the demand of mortgage loan 3. to get debit rating of the customers in order to identify the blacklisted customers 4. to evaluate the potential risk of insolvency of existing debtors Information Requirements
  13. 13. 5. to provide information to determine the repayable ability of each potential customer 6. to generate the fair value of properties 7. to provide information to estimate the interest income generated from mortgage service 8. to evaluate the liquidity and financial position of the bank Information Requirements
  14. 14. 9. to evaluate the performance of the customer personnel managers 10. to evaluate the performance of the online mortgage service 11. to evaluate the performance of the valuation department and the loan credit department Information Requirements
  15. 15. T H E E N D