The IBM Banking Data Warehouse and IBM Cognos BI for management information system have been implemented at JSC “State Savings Bank of Ukraine”. Kiev, Ukraine. 2011-2013.
At the biggest state-owned retail bank in Ukraine were implemented IBM Banking Data Warehouse based on IBM InfoSphere Information Server platform. In addition, an management information system based on IBM Cognos BI has been launched. Key project drivers were regulatory compliance to World Bank reporting requirements in the credit risk area and to requirements of the National Bank of Ukraine for implementation of International Financial Reporting Standards (IAS 39, IFRS 9, IFRS 8).
In addition to IBM BDW and IBM Cognos BI, within the project has been developed analytical applications: financial balance and income statement, management balances and income statements (banking books), transfer module and spread analysis module, customer segmentation module and customer profitability analysis, Deloitte module for IAS 39/IFRS9 reserves calculations. In addition, a monitoring system for Data Warehouse data load, auto-testing and data processing had been developed. First releases of MIS reporting listed below.
Management Board reporting:
— Dashboard for the head of the retail business;
— Dashboard for the head of corporate business;
— Dashboard for analyzing competitor banks;
— Dashboard for data quality control;
— Analysis of the loan portfolio;
— Analysis of the deposit portfolio;
— Analysis of bank spread based on yield curves;
— The dynamics of the movement of funds in customer accounts;
— Report on the inter-bank market operations;
— Top-100 bank customers by financial indicators.
— Reports on sales volumes of the retail business;
— Reports on quantitative indicators of the retail business;
— Reports on contact details of retail customers;
— Balances on customer accounts;
— Turnover balance sheet for customer accounts.
Risk Management and Operational reporting:
— Cash flow forecast based on repayment schedules;
— Analysis of nominal rates for various measurements;
— Analysis of interest rates GAP;
— Spread analysis based on yield curves;
— Reports and samples for internal audit;
— Reports for revision and internal control unit;
— Samples to control operational risks;
— Monitoring and control of cash limits in branches and ATMs;
— Search for customers information by name, passport data and tax ID.
Financial and management accounting reporting:
— Financial balance sheet and income statement (at the date and in dynamics);
— Management balance sheet and income statement (based on transfer rates);
— The profitability of branches (based on transfer pricing);
— The profitability of operating segments (based on transfer pricing);
— Efficiency of corporate clients (based on transfer pricing);
— Analysis of commission income;
— Analysis of interest income;
— Analysis of administrative expenses;
— Calculation of transfer rates (cost-based approach).
The first release had been implemented within 12 months. The main economic effect of the introduction of IBM BDW was:
— Protection of the bank’s operating margin based on the implementation of the FTPs;
— Centralization of the General Ledger and Back-office transactions out of 26 banking systems in the regions;
— Centralization of contractual data for the loan and deposit portfolios of the bank;
— Centralization of liquidity risk management;
— Synchronization of the main dictionaries of the bank;
— Reducing the time and manual labor for reports (from several days to 1-45 seconds);
— Improving data management and data quality.
Some technical metrics of Data Warehouse and BI reporting system implemented within the first release are presented below.
— Size of System of Records & Data Marts: 12 ТВ;
— Total number of tables: 1400+;
— Number of tables in System of Records & Data Marts: 240+;
— Number of rows in tables: 117+ billion.
Data Warehouse entities:
— Number of clients, accounts, arrangements, million: 25+, 60+, 35+;
— Number of transactions per month, million: 55+;;
— Number of tables which growths 20+ million per day: 7.
— Number of Summary and Profiles: 47 entities + 5 SCD + 10 dimensions;
— Number of Analysis areas: 10+ star schema;
— Number of Feedback area: 4 star schema;
— Data Marts size: 6 TB;
— Data population period: daily, monthly, quarterly, yearly.
— Data download to SOR: 3 hours;
— Time of Dimensions calculation: 2 hours;
— Total time for Data Marts calculation: 3 hours.
— Source systems: 30+;
— Total ETL processes: 600+;
— Run of ETL processes per day: 8000+;
— ETL data volume per day (8 hours): 2 TB+;
— Metadata repositoryу: 35000+;
— IBM Information Server 9.1.2, IBM POWER 770 (20 Core) Memory 128GB.
— Number of reports in Report Studio: 70;
— Number of reports in Query Studio (Packages): 14;
— Time for report generation (max, min): 3 – 40 seconds;
— Number of Cognos BI users: 260
— Full backup and incremental backup size: 3,8 TB and 300 GB;
— Full backup and incremental backup time: 3,8 hours and 2 hours.