【正文】 assignment Standard Costing Profitability Assignment Productivity Reporting Customer Image Error Complaints Processing Speed Service Quality Management Sales Develop ment Analysis . Cost . Pricing Product Profitability Segment Relation ship Market Sector Customer Seg. Profitability Product Business Unit Customer Seg. Sales Performance Reporting Competitive Demogra phic Product Market Research Analysis Administrative Recruit Training Career Planning Payment Human Resources Mgmt. Asset Insurance Value Deprecia tion Inventory / Fixed Asset Mgmt. EIS Management Control Investment Bank A/C Trust A/C Treasury Management Syndicated Loan Securities Money Market Int39。 revisit service delivery. Information Action Plan Overview 6 ISP Project Executive Summary February 15, 1995 2. The Future: the case for change 7 ISP Project Executive Summary February 15, 1995 A s s et s3 7 , 8 5 4 K o r e a D e v e l o p m e nt3 7 , 8 3 9 K o r e a E xc ha nge3 7 , 1 6 5 H a ni l3 7 , 0 9 8 K o r e a F i r s t3 2 , 7 7 1 C ho H u ng3 1 , 9 0 1 K o o k m i n3 1 , 7 2 1 B a nk o f S e o u l3 1 , 4 4 6 K o r e a C o m m e r c i a l2 4 , 4 6 0 I B K2 2 , 8 4 8 S hi nh a n2 0 , 5 9 0 K o r e a H o u s i ng1 6 , 0 4 0 H a na 39。 9 4K o r e a nB a n k sU . S .B a n kA v e r a g eC it ib a n kIT Exp./AssetsN e w A ppl i c a t i on D e v e l opm e nt 199419961998202320232023202339% 75% 100%P e r c e n t Co m p l e t eYear Complete5 a p p s / y r ( c u r r e n t )1 0 a p p s / y r ( p r o p o s e d )O t h e r K o r e a n B a n k9 ISP Project Executive Summary February 15, 1995 From a technology perspective, Bank X has no choice but to move forward or fall behind. New technologies such as parallel processing, data warehouse, decision support, and electronic banking are changing the petitive landscape. The Future: the case for change Traditional Computing (1960) PC (1982) Parallel Computing/ Data Warehouse (1994) Client/Server (1985) Remote Computing (1991) Virtual Banking (1998) ? 10 ISP Project Executive Summary February 15, 1995 “ Expanding the volume of deposits and customers” “ Restructuring the information systems” “ Pursuing profit oriented business strategy” “ Building up the customer management system” “ Establishing the efficient loan business supporting systems” Business Activity Report 1/96 But even if the future looks challenging, Bank X must maintain its focus on growth, profitability, and risk management. Indeed with this focus, Bank X may do more than survive, it could flourish. The Future: the case for change “ The time has e when you will have to pete with the world’ s leading banking institutions...take the lead to sharpen international petitiveness” Kim Young Sam, 2/9/96 “ 1) Know our customer needs 2) Use information strategically 3) New specialized anizational structures 4) Offer new products 5) Strengthen profit risk management” President 11 ISP Project Executive Summary February 15, 1995 3. Strategic Application Projects 12 ISP Project Executive Summary February 15, 1995 To support Bank X’ s growth objectives, we remend focusing IT resources on customer relationship, profitability management and risk management applications. Information Action Plan Overview Business Strategy System Strategy Relationship Management Projects ? Customer management ? Sales and marketing ? Credit control Service Delivery Project ? New channel strategy Management and Control Projects ? ALM risk management ? Financial management ? Sales marketing management ? Profitability management ? Treasury management ? International investment management ? Others (EDP anization and electronic office) Remendation 1: Focus systems development on new customer relationship, profitability management, and risk management applications. 100% 150% 200% 250% 300% 350% 400% 1994 1996 1998 2023 Deposits Customers Branch 13 ISP Project Executive Summary February 15, 1995 ? Focus on midsized corporations ? Focus on middletoupper class individuals ? Satisfy buyer values, particularly petitive price ? Provide new products faster than petitors ? Deliver specialized products by customer segment bined products ? Expand branches, in good positions in major Korean cities ? Diversify delivery channels including home banking, firm banking, telephone banking ? Establish infrastructure for internationalization focused on Asia Operations Customers Products Channels ? Develop specialists, especially in Commercial and International banking ? Establish efficient risk/return management process ? Apply systems support and process improvements to improve productivity We identified a number of key strategic responses to the external environment of the bank, covering Customers, Products, Channels and Operations. We have designed the strategic application projects to support these responses. Strategic Application Projects 14 ISP Project Executive Summary February 15, 1995 The Customer Management and Sales Marketing projects will provide the key systems to build relationships with the target midcorporate customers and middletoupper class individuals, improve sales performance and productivity, and understand customer profitability better. Relationship Management Projects Major Business Applications.......................will provide: Customer management Customer service manag