埃森哲-EXECOV韩国银行咨询报告(3)

ent low bad loan ratio Stored and shared credit information, reducing document retrieval time

Credit ControlCredit management Debt Collection Fraud Detection

Example case -Barclays Bank, UK - Automated Credit Application Scoring (1995) Description Customer s personal credit details are entered directly into the computer in the branch The details are first checked for credit rating and then scored by matching the customer s personal and financial behavior profile against other borrowers Benefits 90% of applications for unsecured credit are scored and approved in 5 minutes. Account is then set up and funds transferred over night Barclays claim the system provides better credit assessment than branch staff on their own (loan defaults reduced)

ISP Project Executive Summary - February 15, 1995

埃森哲为韩国银行做的市场调查,和业务方向分析。全英文。

Service Delivery Projects

The New Channel Strategy project will develop the strategic direction for use of new distribution channels at Bank X.Strategy project...................................................will provide:

New Channel Strategy

Customer preference survey Analysis of competitor activity Analysis of technology trends Economic analysis of current channels Recommended strategic direction for use of new distribution channels

Example case - UK Retail Bank Description Developed an analysis of potential distribution channels Selected multimedia self-service kiosks as the area to pilot Developed a prototype system for discussion with executives, branch staff and customers Benefits Multimedia prototype proved the potential of the new channel Working system developed and implemented in 7 branches last year, to provide self sales service for loans, deposits and insurance Extensive press coverage - free advertising - positioned bank as a technology leader Pilot system now being rolled out to other branches

ISP Project Executive Summary - February 15, 1995

埃森哲为韩国银行做的市场调查,和业务方向分析。全英文。

Management and Control Projects

The ALM & Risk Management project will provide the systems for Bank X to measure and control risk.Major Business Applications.......................will provide:

ALM and Risk ManagementALM Risk/Return Management

Precise interest rate risk information, which will help Bank X to cope with financial liberalization Advanced risk performance information, to enable Bank X to optimize risk/return balance

Example Case - Major US Investment Bank Description Bank-wide risk management reports on a daily and intra-daily basis Covered currency, interest rate, equity value risk Benefits Cut risk evaluation time from 1 week to 15 minutes Enabled use of sophisticated risk models to identify hedging opportunities and largest risks, and evaluate risk adjusted returns Enabled better allocation of limited capital resources

ISP Project Executive Summary - February 15, 1995

埃森哲为韩国银行做的市场调查,和业务方向分析。全英文。

Management and Control Projects

The Financial Management project will improve the timeliness, con

sistency and accuracy of financial reports, whilst the Sales & Marketing Management project will provide improved external information on the market and customers views of Bank X.Major Business Applications.......................will provide:Financial ManagementFinancial & Management Accounts Financial Budgeting and Forecasting Regulatory and Compliance

Consistent, accurate management reports and financial accounts, reducing time spent producing, adjusting and agreeing reports

Sales & Marketing ManagementSales performance reporting Market research and analysis Service quality management

Reporting of sales performance by market sector, enabling Bank X management to monitor the sales performance by business structure Wide range of market research information, to enable Bank X to select the most appropriate marketing strategy Understanding of customers view of the bank, errors and complaints, and processing speed, enabling Bank X to spot problem areas and take action

Example Case - Major UK Bank Description

Designed and installed an integrated suite of financial management systems, covering financial and management accounts, and regulatory and compliance reportingBenefits Reduced time for production of month-end reports from 10 days to 2 days Reduced 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 accounts Improved the accuracy of final reports substantially

ISP Project Executive Summary - February 15, 1995

埃森哲为韩国银行做的市场调查,和业务方向分析。全英文。

Management and Control Projects

The Profitability Management project will provide detailed, accurate profitability analysis to support management decision making.Major Business Applications.......................will provide:Profitability ManagementProductivity reporting Customer segment profitability 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 penetration of mid-sized 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 Customer segment profitability model Calculates customer s current and potential value to the bank based on financial behaviour and similarity to profiles of profitable customers Customers grouped into value-based segments Benefits Marketing: value data is used for mo …… 此处隐藏：4096字，全部文档内容请下载后查看。喜欢就下载吧 ……