EARL 2017 presentation

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London 12-14th September 2017
Shiny Mortgages
Improving BI Delivery with Shiny:
Interactive Mortgage Book Visualisation
Konrad Zdeb, Development Manager, Business Intelligence Competency Centre (BICC), Finance, CYBG PLC | konrad.zdeb@cybg.com

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CYBG PLC is a proud, independent banking
group with over 175 years of heritage
through its Clydesdale Bank, Yorkshire Bank
and ‘B’ brands. We offer a full range of
financial products and services to help
people and businesses grow. Big enough to
matter, small enough to care, we have a
strong personal customer base and a
business banking capability through a UK-
wide network.
A FTSE 250 company, CYBG has a dual
listing on the London Stock Exchange and
Australian Securities Exchange and has a
shareholder base spanning the UK, US,
Europe and Australia.
• CYBG PLC is a proud, independent banking group
with over 175 years of heritage through its
Clydesdale Bank, Yorkshire Bank and ‘B’
brands. We offer a full range of financial products
and services to help people and businesses grow.
Big enough to matter, small enough to care, we
have a strong personal customer base and a
business banking capability through a UK-wide
network.
• A FTSE 250 company, CYBG has a dual listing on
the London Stock Exchange and Australian
Securities Exchange and has a shareholder base
spanning the UK, US, Europe and Australia.

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Understanding our franchise
(2)
PCA stock SME lending balances
2.3%
(UK)
10%
(core regions)
3.6%
(UK)
8.1%
(core regions)
(3)
1 – as at 30 Sep 2016; 2 – PCAs, as at Aug 2016 3- SMEs as at Mar 2016
2.8m customers £30.1bn loans £27bn deposits
(1)
• Current Accounts
• Savings Accounts
• Term Deposits
• Broker and prop model
• Mortgages
• Personal Loans
• Credit Cards
• Overdrafts
• Payment & Transaction
Services
• Working Capital Solutions
• Savings
• Term Lending
• Current Accounts
• Deposits
• Overdrafts
• Sector expertise
Full service standalone platform
a FTSE 250 company with Market Cap of c£2.5bn
Rich history of banking innovation
• Our differentiated digital offering,
combined with our extensive branch
network, contact centre capabilities
and extensive broker relationships,
provides an enviable platform for
growth
• Focused on delivering enhanced
customer service, extending digital,
physical (assisted digital) and broker
distribution channels seamlessly for
retail and SME customers
Broker
175 years of progress... …into an established franchise around the UK …with an enviable platform for growth
RETAIL
SME
OMNI-CHANNEL DISTRIBUTION MODEL
1838
Clydesdale
bank formed in
Glasgow
1920
Midland Bank
buys
Clydesdale
1857
Yorkshire
Bank formed
in Halifax
2016 (Feb)
Successful
demerger from
NAB and IPO
listed on LSE and
ASX
1970
Clydesdale
pioneers first ever
cash machine in
the UK
1987
Clydesdale Bank
acquired by
National
Australia Bank
(NAB)
1990
NAB acquires
Yorkshire
2015
Clydesdale launches
UK’s first fully
polymer note
1950
Clydesdale Bank and
North of Scotland
Bank merge to
become largest
network in Scotland
(350 branches)
1929
Clydesdale
launches first
ever night safe
in Scotland
2017 (Jan)
Opening of flagship
George Street branch
in Edinburgh
2017 (Apr)
Opening of our innovation lab “B”
in London

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Challenge
Existing situation
• BI / forecasting delivered through a
range tools including MS Excel /
ORACLE / SAS / Tableau
• Manual reference data imports (ONS;
Eurostat, etc.)
Outcomes
• Complex processes
• Convoluted lineage
• Disjoined analytical products
• Constraints

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Opportunity
New tools:
• Big Data platform
• Spark
• Modern languages (R, Python, Scala,
Hive)
• Old favourites (C++, Java, etc.)
Deliverables
• Flexibility
• Transparency / reproducibility
• Better lineage

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Solution
Data 1
Data …
Data n
R + JS + HTML + Hive =
Shiny Dashboard
Gains
• Complex analytical process unified in one tool
• No redundancy
• Enhanced analytics
• Timeliness (all products as recent as possible)

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THE APP

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Architecture (simplified)
server.R ui.R mod1.R mod ….R modn.R
Browser
Data …
Reconciled Data
global.R

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Why modules?
mapPostcodeUI <- function(id) {
# Namespace definition
ns <- NS(id)
fluidPage(
# Static UI elements
sidebarLayout(sidebarPanel(
# (...)
# render UI
uiOutput(
ns("sldSamplSize")
)),
mainPanel(
# (...)
# Mapping
leafletOutput(ns("map"),
# (...)
))))
}
mapPostcodeServer <-
function(input, output,
session,
dataSet = NULL) {
# (...)
# Dynamic UI
output$sldSamplSize <-
renderUI({
# Fetch session inf.
ns <- session$ns
})
}
modMap.R

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Dynamic summaries
SYNTHETIC DATA

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Regional analysis
SYNTHETIC DATA

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Postcode level analysis
SYNTHETIC DATA

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Postcode level analysis
SYNTHETIC DATA

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Postcode level analysis
SYNTHETIC DATA

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Time series analysis
SYNTHETIC DATA

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Correlational analysis
SYNTHETIC DATA

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Public Data
SYNTHETIC DATA

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Demo

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Questions