Biz$core Retail Banking Solution enables powerful insights to drive innovation in the Retail Banking business. The solution is delivered on an analytical data mart built specifically for Retail Banking. Data Integration into this data mart is made seamless from source systems such as Core Banking, Payment Systems, CRM and Loan Originations. The solution is designed to present the bank’s operations centered around key activities helping the bank take decisive action based on the information presented.

The solution delivers a series of modules, reports and dashboards that enable the bank

to better understand its operations. They also help understand whether the strategies and

tactics adopted by the bank to meet its stated objectives are indeed having the desired

effect.

The solution integrates with a performance management module that helps define Key

Performance Indicators (KPI) for the bank and track KPI performance against set targets.

A KPI and goal driven approach to Business Intelligence that the Retail Banking Solution

provides is a powerful tool to help analyze data and move towards decisive actions that

support the stated objectives.

Biz$core Retail Banking Solution Coverage

• Fundsflowanalysiswithadeepdive into the inflow and outflow by transaction type and trend over a period of time across customer segment and vintage

• MorningbriefingfortheBankingheadsat various levels, with heat map giving a quick insight into the revenue across product lines and colour coded target achievement for the month

• BranchProfitabilityreportwithincomeacross product lines, expenses and 12 months trend

• Delinquencyreportsacrossbuckets,cost of collection to recovery ratio

• Reportsthatcansubscribedtoatapredetermined frequency

• Visualinsightsforquickviewonkeymetrics and what-if scenarios

Highlights

Copyright © 2013, iCreate Software. All rights reserved. This document is provided for information purposes only and the contents hereof are subject to change without notice. This document is not warranted to be error-free, nor subject to any other warranties or conditions, whether expressed orally or implied in law, including implied warranties and conditions of merchantability or fitness for a particular purpose. We specifically disclaim any liability with respect to this document and no contractual obligations are formed either directly or indirectly by this document. This document may not be reproduced or transmitted in any form or by any means, electronic or mechanical, for any purpose, without our prior written permission. iCreate Software and Biz$core are registered trademarks of iCreate Software. Other names may be trademarks of their respective owners.

Questions Answered

• Sales performance and product profitability • Penetration of products across portfolio • Products per customer & cross-sell potential • Funds flow stability

Dashboards Include • Sales • Liability funds flow • Portfolio • Delinquency • Profitability • Executive summary

Subject Areas Covered

• Retail Assets : Secured and Unsecured • Retail Liabilities : Time and Demand • Investment & Insurance products • Credit Cards

KPIs Include • New customers by Product • Cross-sold customers by Product • Average balance • Cost to Income, Fee to Operating Income • Loans to Deposits

• Over 30 Dashboards, 20 Analysis Templates, 150 Reports, 100 KPIs and 100 Alerts

• Focus on Customer Acquisition, Cross-Sell, Portfolio Management, Credit Quality and Profitability Analysis

• Customer Segmentation & Product Penetration Analysis

• Attrition Alerts based on product activity • Analysis of the portfolio using multiple attributes

Reports Include • Income Analysis • Customer Acquisition • Loans origination • Limits Analysis • Channel Management • Collections Analysis

Alerts Include • CASA Balance fall > x% • Pre-closure rate for long term loans • TD break before maturity > x • Large credits into CASA > x • Cancellation rate for new customers > x %

Decision Enablement Solution for Retail Banking Fast, accurate, multi-dimensional insights

Integrate your Bank’s Intelligence quickly with Biz$core

Biz$core runs off an OLAP based centralized data repository. Integrating data from various sources using adaptors feeding into a well-defined data model, the design is robust and at the same time flexible enough to accommodate the required intelligence requirements.

Pre-built dashboards and reports containing important metrics and analysis by the most important dimensions are ready-to-use built into Biz$core. Also, the reports built for more detailed analysis are available within each solution addressing the reporting needs of the specific areas of business.

In addition to quick implementation of the Biz$core solution, the central repository contains a plethora of information that can be used to further enhance the intelligence available to users and deliver much greater business value.

Biz$core Suite of Banking Decision Enablement Solutions

Biz$core Retail Banking solution is an integral part of the Biz$core Banking DecisionEnablement Solution Suite, that is built using iCreate’s pioneering ‘Banking Intellisense’ philosophy which believes in being an invaluable partner in the bank’s ‘information value journey’. This has helped iCreate design, develop and deploy innovative banking solutions that integrate and transform the information resident in diverse systems into decision-enabling insights; that banks can leverage to create and sustain their leadership position. Banking Intellisense manifests as enterprise-class banking solutions, premium value services and innovative engagement models. Banking Intellisense at iCreate continues to evolve and deliver compelling value solutions to prominent banks worldwide.

Getting started

To request for a demonstration of how your Retail Banking business can quickly create a decision-enabling system with Biz$core, please send an email to info@icreate.in

Business Performance

• Increasedproductivity

• Accuratereporting

• Quickerdecisionmaking

• Increasedbusinessuserenablementandreduced burden on IT

Efficiency

• Improvedpersonnelproductivity

• Accurate,consistent,timelyreporting

• Flexibleon-demandreporting

Robust Information Delivery Framework

• Extensibilityandscalability

• Extendingbusinesscontent

• Incorporateadditionalsourcesystems

• Platformagnostic

Benefits

WE PUT THE BANKING INTO BUSINESS INTELLIGENCE

Retail Banking ● Retail Lending● Retail Liabilities● Sales & Distribution● Operations

Credit Cards● Customer Behavior● Loyalty Program● Sales & Distribution● Operations

Corporate Banking● Corporate Lending● Corporate Liability● Trade Finance● Treasury & AuM

Analytics 360 - Executive | Customer | Branch | Channel

Growth Solutions - Sales Effectiveness | Cross-sell

GRC Solutions - Regulatory Reporting | Basel X | ALM | IFRS | Fraud | AML

Performance Management Solution - Pre-defined KPIs & KRAs

Platform Solutions● Pre-built Banking BI content● Solution Data Marts● Metadata Management● Data Integration Framework (Source system data adapters)

Platform Extensions● Master Data Management● Enterprise Data-warehouse● Data Quality Solutions● Ad-hoc Reporting● Mobile BI

About iCreate and Biz$core

iCreate is a ‘Business Intelligence for Banking’ specialist with an established presence in Africa, Asia-Pacific, Middle East and Europe. Biz$core-iCreate’sunique,integratedBI,AnalyticsandPerformanceManagementsolution,thatintegrateswithstandardbankingsystems,ensurebanks have a fully functional BI solution running very quickly, at the lowest TCO and with advanced solutions in areas such as Retail Banking, Corporate Banking,Analytics360,etc.iCreateisawinnerofseveralpremierindustryrecognitionsincludingtheRedHerringAsia100,DeloitteTechnologyFast500AsiaandtheNASSCOMEmerge50;anendorsementofitsunique‘Banking-specificBusinessIntelligence’proposition.

info@icreate.in | www.icreate.in | www.bizscorebi.com

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