埃森哲-EXECOV韓國(guó)銀行咨詢報(bào)告ppt課件

1、Information Action Plan Summary Report 1) Information Action Plan Overview 2) The Future: The Case for Change 3) Strategic Application Projects 4) Technology Infrastructure & EDP Organization 5) Programme cost, resources, and manpower 6) Programme & Change Management 7) Next Steps1. Information Acti

2、on Plan OverviewInformation Action Plan OverviewStage 2OrganizationPlanTechnologyPlanBusiness &CompetitionAssessmentIT PossibilityAnalysisStage 1The Information System Planning (ISP) project is complete. We have identified a 5 year application strategy (shown on next page) aligned with Bank Xs busin

3、ess strategy. We have also identified the data and technology infrastructures, projects, and schedule to carry out these strategies.- ISP Planning Project Workplan -Information Action Plan OverviewData &ApplicationPlanInformationActionPlanProjects andSchedulesScopeDefinition &ClassificationsCurrentS

4、ituationAssessmentITStrategyApplication, Data, and Technical StrategiesProductFactoryOperationsProcessingClosing &SettlementProductAdministrationCentral ProcessingNavigatorDriver- Daily- MonthlyClosing Loans- B/S- P/LAccountingProduct ManagementCredit CardDomestic ExchangeExternal DataProcessingFore

5、ign ExchangeDeposits- LOG AnalysisDeferred SystemExpensesSuspenses Payable/ Receivable* Treasury* InvestmentRelationship ManagementSales & Marketing- Cust. Seg. & Selection- D.M- ConsultingSales Support- Customer- Products- Market Needs Analysis- Plan Development- Sales Promotion PlanCampaignPlannin

6、g- GISBranch OpeningCredit Control- Scoring- Credit Ref. - Limit Setting & MonitoringCreditManagement-Debtor list- Legal Notice- Recovery TrackingDebtCollection- Account & Card usage Pattern- Identify Merchant FraudFraudDetectionCustomer Mgmt.- Attribute- Exposure /Limits- RelationshipService Custom

7、er Management- Customer- RelationshipCustomerProfitability- KBF, BOK- Checking real name Third Party Reportingof Cust. Details- Automatic Accounts TR- Credit card Payment- ClearingCenterCut- Interest CAL- Fees CAL- Check day - Dividend CAL .etcCommonProgramInformation DeliveryRetail Customer- List o

8、f credit card usage- Balance StatementReportingGovt./ Regulatory- B/S,P/L- Status of EDP BusinessBOKReporting- TAA- KBFTax / LoansReportingAssociated Institution- KFTC- CGF ProvisionsExternal Org.- File TransferFirm Banking- Usage approval- Check accidentsVisa cardApproval- Exchanges of joint cards

9、information- Bad tran.Corp. DataExchangeAC : AccountsAT : Account TransferBOK : Bank of KoreaCAL : CalculatingCGF : Credit Guarantee FederalDM : Direct MarketingDP : Deposits & PaymentDW : Deposits & WithdrawlEX : ExchangeFI : FinanceIQ: InquiryKBF : Korea Bank FederalMeas : MeasurementNA : New Acco

10、untPB : PassbookRecon : ReconciliationRL : RelationshipRM : RemittanceSeg : SegmentSum : SummarizationTAA : Tax Administration AgencyTR : TransferTX : TransactionUP : Updating PassbookWD : WithdrawlService DeliveryCustomer- DW- UP- AC TransferATM/CD- Cash ServiceCredit Card- TR Service- Account IQ.e

11、tcPhoneBanking- TR Service- Account IQ- Internet- Virtual BankHome/Firm- Open(AC, Cust)- DP(TR money otherbanks)- Foreign EX/RM- Others IQFemaleProcessingTeller/Male- Loan, Mortgage- Card, Borrowing- Trade FI- Others IQMaleProcessingExternal Processing- Clears from other banks- GIROTransactionProces

12、sing- Borrowing- National TreasuryBOK Wire- EFT/POS- SWIFTInformationFeeds- Authority- Ratios- Reporting SchedulesRegulatory infor.Maintenance- Geographic- Demographic- Branch attributeGIS- Limits- Dividend price- MaturityProducts Information- Details- Relation- ship- Credit historyCustomerMaintenan

13、ce- External creditCredit BureauHistoryDistributor- Customer Statement- ReportConsolidationMessageWarehousingInterchangeManagement- Route- Send - Manage & RecordDistributionManagementIntegratorRisk / ReturnMaintenanceExternal Infor.ManagementJournal EntrySum & ReconFixed AssetSummarizationTransferPr

14、icingActivity Meas. Sum.Credit Performance Sum SalesSum Customer Product Usage Sum.Market ResearchSamplingTreasuryMaintenancePerformanceTarget Maint.Intl InvestmentMaintenance- LOG AnalysisDeferred System- Employees PB Mgmt.- Operator Mgmt.- On-lineAuthorizationHandling- Financial- Non- financialTra

15、nsactionManagementWorkflowManagement- Log all entries- Audit TrailerJournalProcessing- Pending- RejectedTransactionHandling- Procedure Timing- Product Process- ActivityWorkMeasurement- Cash in/out- Teller Bal.- Branch Bal.-Safety/Night deposit Intra-dayBalance Mgmt.Operation- Costs assignment- Stand

16、ard CostingProfitability AssignmentProductivityReporting- Customer Image- Error & Complaints- Processing SpeedService QualityManagementSales- Develop- ment- Analysis . Cost . PricingProductProfitability- Segment- Relation- ship- Market SectorCustomer Seg.Profitability- Product- Business Unit- Custom

17、er Seg.Sales PerformanceReportingCompetitive- Demogra- phic- ProductMarket Research& AnalysisAdministrative- Recruit- Training- Career Planning- PaymentHumanResources Mgmt.- Asset- Insurance Value- Deprecia- tionInventory / Fixed Asset Mgmt.EISManagement & ControlInvestment- Bank A/C- Trust A/CTreas

18、uryManagement- Syndicated Loan- Securities- Money MarketIntl InvestmentManagementEletronic OfficeFinancial- Transfer Rate- Exchange Rate- B/S, P/L- BudgetFinancial &Mgmt. Accounting- Costs- Revenues- Profitabi- lityFinancial Budgeting& Forecasting- Analysis . Liquidity . Interest Rate . FX Rate . Du

19、ration ALM- Credit- Interest Rate- Fx Rate- Liquidity Risk/ReturnManagement- Branch/ cost centerBusiness UnitProfitability- Ratio . BIS . CD- Risk & ExposureRegulatory &CompliancePhase 1Phase 2Phase 3Information Action Plan OverviewThe ISP project is making five major recommendations that will signi

20、ficantly change Bank X. The goal of todays meeting is to confirm with you the recommendations shown below and to request your support as we move forward.Recommendation 1: Focus systems development on new customer relationship, profitability management, and risk management applications.Recommendation

21、 2: Divide applications into three phases: customer relationship first, management & control second, low priority third.Recommendation 3: Select an advanced UNIX technical infrastructure for new applications; surround operational systems.Recommendation 4: Change the Bank X EDP and business organizat

22、ions to encourage shared planning, design, and relationship building.Recommendation 5: Invest aggressively on information systems, technical hardware, and training; limit spending on operational systems; revisit service delivery.Information Action Plan Overview2. The Future: the case for changeWhile

23、 the past five years have been successful, Bank Xs future looks to be even more challenging. Bank X must find ways to grow without impacting its high productivity.The Future: the case for changeLarge SizeHigh PerformanceTargetSource: Institutional Investor, 8/95Bank X current applications represent

24、only 38%* of the applications it will need to lead in the future. Yet at the current pace of application building and IT expenditure, it may take 8-12 years to complete identified applications.The Future: the case for change* Based on applications identified in ISP projectFrom a technology perspecti

25、ve, 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 competitive landscape.The Future: the case for changeTraditional Computing(1960)PC (1982) ParallelComputing/Data Wareho

26、use(1994) Client/Server (1985)Remote Computing(1991) Virtual Banking(1998) “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 s

27、ystems- Business Activity Report 1/96But 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 come when you will have

28、 to compete with the worlds leading banking institutions.take the lead to sharpen international competitiveness - Kim Young Sam, 2/9/96“1) Know our customer needs 2) Use information strategically 3) New specialized organizational structures 4) Offer new products 5) Strengthen profit & risk managemen

29、t - President3. Strategic Application ProjectsTo support Bank Xs growth objectives, we recommend focusing IT resources on customer relationship, profitability management and risk management applications.Information Action Plan OverviewBusiness StrategySystem StrategyRelationship Management ProjectsC

30、ustomer management Sales and marketingCredit controlService Delivery ProjectNew channel strategyManagement and Control ProjectsALM & risk managementFinancial managementSales & marketing managementProfitability managementTreasury management International investment managementOthers (EDP organization

31、and electronic office)Recommendation 1: Focus systems development on new customer relationship, profitability management, and risk management applications.100%150%200%250%300%350%400%1994199619982000DepositsCustomersBranchFocus on mid-sized corporationsFocus on middle-to-upper class individualsSatis

32、fy buyer values, particularly competitive price Provide new products faster than competitorsDeliver specialized products by customer segment & combined productsExpand branches, in good positions in major Korean citiesDiversify delivery channels including home banking, firm banking, telephone banking

33、Establish infrastructure for internationalization focused on AsiaOperationsCustomersProductsChannelsDevelop specialists, especially in Commercial and International bankingEstablish efficient risk/return management processApply systems support and process improvements to improve productivityWe identi

34、fied 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 ProjectsThe Customer Management and Sales & Marketing project

35、s will provide the key systems to build relationships with the target mid-corporate customers and middle-to-upper class individuals, improve sales performance and productivity, and understand customer profitability better.Relationship Management ProjectsMajor Business Applicationswill provide:Custom

36、er managementCustomer service managementCustomer profitability analysisCustomer information managementSales and MarketingSales supportNeeds analysisCampaign planningBranch OpeningIndividual customer profitability information, enabling Bank X to take sound credit risk and pricing decisionsComputerize

37、d and integrated customer information available throughout the bank, resolving current data integrity problemsPowerful customer needs analysis tool, enabling Bank X to identify requirements |for customers in new segments such as mid-sized corporateEffective sales tools which will enable Bank X to ma

38、intain sales levels even as as number of branches expandsSales tools that can quickly and easily be expanded to support new products asthey are introduced following de-regulationAn environment to structure and plan campaigns effectivelyMore effective placing of branches through use of a geographic i

39、nformation system to plan locations Example case: Barclays Bank, UK (1992)DescriptionCombined customer information system provides customer information management and sales and marketing support for all productsThe cost of the 100,000 man day project was recovered within 2 years of operationBenefits

40、Increase in sales to individuals through the branches: exceeded targets by 400%Sales through direct marketing campaigns (direct mail and telephone) increased by over 50%Improved morale and satisfaction of employees and better customer service The Credit Control projects will enable Bank X to expand

41、the number of credit applications processed, and improve customer service, while maintaining control over credit risk.Credit ControlCredit managementDebt CollectionFraud DetectionAn efficient , largely automated, credit checking facility, which enables Bank X to process more credit applications, fas

42、terFaster customer service and lower costs through improvement of the lendingprocess and use of Workflow technologyAbility to provide lower prices to selected customers based on improvedprofitability information and credit informationEfficient debt collection support, which enables Bank X to maintai

43、n the currentlow bad loan ratioStored and shared credit information, reducing document retrieval timeMajor Business Applicationswill provide:Example case -Barclays Bank, UK - Automated Credit Application Scoring (1995)Customers personal credit details are entered directly into the computer in the br

44、anchThe details are first checked for credit rating and then scored by matching the customers personal and financial behavior profile against other borrowersDescriptionBenefits90% of applications for unsecured credit are scored and approved in 5 minutes. Account is then set up and funds transferred

45、over nightBarclays claim the system provides better credit assessment than branch staff on their own (loan defaults reduced)Relationship Management ProjectsThe New Channel Strategy project will develop the strategic direction for use of new distributionchannels at Bank X. New Channel StrategyCustome

46、r preference surveyAnalysis of competitor activityAnalysis of technology trendsEconomic analysis of current channelsRecommended strategic direction for use of new distribution channelsStrategy projectwill provide:Service Delivery ProjectsExample case - UK Retail BankDescriptionDeveloped an analysis

47、of potential distribution channelsSelected multimedia self-service kiosks as the area to pilotDeveloped a prototype system for discussion with executives, branch staff and customersBenefitsMultimedia prototype proved the potential of the new channelWorking system developed and implemented in 7 branc

48、hes last year, to provide self sales service for loans, deposits and insurance Extensive press coverage - free advertising - positioned bank as a technology leaderPilot system now being rolled out to other branchesThe ALM & Risk Management project will provide the systems for Bank X to measure and c

49、ontrol risk.ALM and Risk ManagementALMRisk/Return ManagementPrecise interest rate risk information, which will help Bank X to cope with financial liberalizationAdvanced risk performance information, to enable Bank X to optimize risk/return balanceMajor Business Applicationswill provide:Management an

50、d Control ProjectsExample Case - Major US Investment BankBank-wide risk management reports on a daily and intra-daily basisCovered currency, interest rate, equity value riskDescriptionBenefitsCut risk evaluation time from 1 week to 15 minutesEnabled use of sophisticated risk models to identify hedgi

51、ng opportunities and largest risks, and evaluate risk adjusted returns Enabled better allocation of limited capital resourcesThe Financial Management project will improve the timeliness, consistency and accuracy of financial reports, whilst the Sales & Marketing Management project will provide impro

52、ved external information on the market and customers views of Bank X.Financial ManagementFinancial & Management AccountsFinancial Budgeting and ForecastingRegulatory and ComplianceConsistent, accurate management reports and financial accounts, reducing time spent producing, adjusting and agreeing re

53、portsMajor Business Applicationswill provide:Management and Control ProjectsExample Case - Major UK BankDesigned and installed an integrated suite of financial management systems, covering financial and management accounts,and regulatory and compliance reporting DescriptionBenefitsReduced time for p

54、roduction of month-end reports from 10 days to 2 daysReduced man power required to produce reports by approximately 60%Removed the large number of inconsistencies which previously existed between the management reports and the financial accountsImproved the accuracy of final reports substantiallySal

55、es & Marketing ManagementSales performance reportingMarket research and analysisService quality managementReporting of sales performance by market sector, enabling Bank X management to monitor the sales performance by business structureWide range of market research information, to enable Bank X to s

56、elect the most appropriate marketing strategyUnderstanding of customers view of the bank, errors and complaints, and processing speed, enabling Bank X to spot problem areas and take actionCustomer segment profitability modelCalculates customers current and potential value to the bank based on financ

57、ial behaviour and similarity to profiles of profitable customersCustomers grouped into value-based segmentsThe Profitability Management project will provide detailed, accurate profitability analysis to support management decision making.Profitability ManagementMajor Business Applicationswill provide

58、:Management and Control ProjectsProductivity reportingCustomer segment profitability reportingProduct profitabilityFast, accurate profitability figures by product , making product development quicker and marketing more effectiveCustomer segment profitability reporting, to support Bank Xs penetration

59、 of mid-sized corporatesBusiness unit productivity by the new business units implemented in November, enabling Bank X to identify low productivity areas and take corrective actionExample Case - Major Australian Retail Bank (1993)DescriptionBenefitsMarketing: value data is used for more effective mon

60、etary value based segmentation for particular initiatives (e.g. direct marketing)Value data is used to set pricing strategies such as fee exemptions for valuable customers and segments, or different lending ratesIn the branch, value data is used for non-pricing decisions such as time spent dealing w