【正文】 reporting Product profitability ? Fast, accurate profitability figures by product , making product development quicker and marketing more effective ? Customer segment profitability reporting, to support Bank X’ s peration of midsized corporates ? Business unit productivity by the new business units implemented in November, enabling Bank X to identify low productivity areas and take corrective action Example Case Major Australian Retail Bank (1993) Description Benefits ?Marketing: value data is used for more effective moary value based segmentation for particular initiatives (. direct marketing) ?Value data is used to set pricing strategies such as fee exemptions for valuable customers and segments, or different lending rates ?In the branch, value data is used for nonpricing decisions such as time spent dealing with problems, or options and features provided ?Overall, the system has helped to refocus the anisation on its most valuable customers 20 ISP Project Executive Summary February 15, 1995 Information Action Plan Overview A major challenges for Bank X is allocating limited resources. Bank X does not have the capital or resources to build all applications simultaneously. We remend a three phase implementation with most of the application projects in Phases 1 and 2. Remendation 2: Divide project efforts into three phases: customer relationship first, management control second, low priority third. Phase 3 Phase 2 Phase 1 Quick Hit Projects Technology Infrastructure Building Projects High Priority Appl Projects (Relationship Mgmt) Enhancement of Existing System Low Priority Appl Projects Organizational Change/BPR related Projects New Org./Business Process Based Projects High Priority Appl Projects (Mgmt. Control) Service Delivery Improvements Service Delivery Strategy Skill Development Projects 21 ISP Project Executive Summary February 15, 1995 A key factor in project phasing is the goal of phasing high value, lower risk projects in the first phase. 01234560 1 2 3 4 5 6 7 8 9 10Va l u eRisk1 . Sa l e s Su p p o rt2 . N e e d s An a l y s i s3 . C a m p a i g n Pl a n n i n g4 . Bra n c h O p e n i n g5 . Se rv i c e C u s t o m e r M a n a g e m e n t6 . C u s t o m e r Pro f i t a b i l i t y7 . T h i rd Pa rt y R e p o rt i n g8 . C re d i t M a n a g e m e n t9 . D e b t C o l l e c t i o n1 0 . F ra u d D e t e c t i o n1 1 . F i n a n c i a l M g m t Ac c o u n t 39。 PB Mgmt. Operator Mgmt. Online Authorization Handling Financial Non financial Transaction Management Workflow Management Log all entries Audit Trailer Journal Processing Pending Rejected Transaction Handling Procedure Timing Product Process Activity Work Measurement Cash in/out Teller Bal. Branch Bal. Safety/Night deposit Intraday Balance Mgmt. Operation Costs 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。l Investment Management Eletronic Office Financial Transfer Rate Exchange Rate B/S, P/L Budget Financial Mgmt. Accounting Costs Revenues Profitabi lity Financial Budgeting Forecasting Analysis . Liquidity . Interest Rate . FX Rate . Duration ALM Credit Interest Rate Fx Rate Liquidity Risk/Return Management Branch/ cost center Business Unit Profitability Ratio . BIS . CD Risk Exposure Regulatory Compliance Phase 1 Phase 2 Phase 3 Information Action Plan Overview 5 ISP Project Executive Summary February 15, 1995 The ISP project is making five major remendations that will significantly change Bank X. The goal of today’ s meeting is to confirm with you the remendations shown below and to request your support as we move forward. Remendation 1: Focus systems development on new customer relationship, profitability management, and risk management applications. Remendation 2: Divide applications into three phases: customer relationship first, management control second, low priority third. Remendation 3: Select an advanced UNIX technical infrastructure for new applications。 g 1 2 . F i n a n c i a l Bu d g e t i n g F o re c a s t1 3 . R i s k / R e t u rn M a n a g e m e n t1 4 . Bu s i n e s s U n i t Pro f i t a b i l i t y1 5 . R e g u l a t o ry C o m p l i a n c e1 6 . AL M1 7 . Pro d u c t i v i t y R e p o rt i n g1 8 . Se rv i c e Q u a l i t y M a n a g e m e n t1 9 . Pro d u c t Pro f i t a b i l i t y2 0 . C u s t o m e r Se g m e n t Pro f i t a b i l i t y2 1 . Sa l e s Pe rf o rm a n c e R e p o rt i n g2 2 . M a rk e t R e s e a rc h An a l y s i s2 3 . T re a s u ry M a n a g e m e n t2 4 . I n t 39。9 38 , 5 3 28 , 1 8 4 D o ngw ha7 , 8 9 66 , 6 3 85 , 0 1 71 . 0 % 3 . 0 % 5 . 0 % 7 . 0 % 9 . 0 % 1 1 . 0 %