Solution

eICBA Business Intelligence

Features & Architecture


The eICBA Business Intelligence Suite provides a comprehensive portfolio of business intelligence, financial performance management and advanced analytics that helps financial institutions consolidate data from various sources to effectively plan, understand, manage and predict financial and operational performance. eICBA Business Intelligence Suite features are best showcased through its technical capabilities and its richness in information:
 

Advanced Technical Capabilities
Ad-hoc Reports
Users have the ability to create their own report based on pre-defined data-sets. The intuitive report creation module helps users create ad-hoc reports with relative ease – improving efficiency and removing dependencies on technical skill sets.
Ad-hoc Dashboards
eICBA BI Suite enables users to build their own dashboard. Users can group reports that they commonly use in one dashboard. It’s drag-and-drop capabilities and intuitive user interface makes building dashboards a breeze.
Reports Scheduler
eICBA BI scheduling module provides users the ability to generate and print reports at pre-determined times.
Data Mapping
With the Data Mapping features of eICBA BI, users can perform code mapping to achieve standardization, in particular if the input originates from different core banking system.
OLAP Capabilities
eICBA BI Suite has powerful built-in online analytical processing (OLAP) capabilities to swiftly answer multi-dimensional analytical queries.



Information Rich

eICBA BI Suite information can be appreciated through its four major strengths: 

  • Types of information available
  • Pre-defined perspectives
  • Query capabilities to enable looking at data from different perspectives
  • Web-enabled information access


A) Types of Information

Credit Related Analysis
  • Application analysis
  • New loans analysis
  • General loans portfolio analysis
  • Maturity profile analysis
  • Credit utilization analysis
  • Product profiling
  • Credit risk profiling
  • NPL analysis
Deposit Related Analysis
  • New deposits analysis
  • General deposits portfolio analysis
  • Maturity profiling
  • Rates analysis
  • Product profiling
Customer Related Analysis
  • Customer profiling by various scenarios
     
General Ledger Analysis
  • Balance Sheet Analysis
  • Profit and Loss Analysis
  • Drill down to branches, currency, cost centers
Other Information
Other required information can be provided by creating new data cubes from the same data model or from the ICBA core-banking system to generate the required customized information.
 


B) Pre-defined Perspectives

Bank Overall
A holistic view of the Bank’s key information that management would like to see at one glance, presented in terms of the Bank’s total assets, total liabilities, total income & expenses, financial health, latest share price, etc. - bringing meaningful information at your fingertips and facilitates better monitoring, planning & decision making process.
Customer
Allows Marketing teams to gain an in-depth insight at the customer-related information to establish,  amongst other things, cross-selling opportunities for other bank products.

Help Sales & Marketing team know their customers better based on the demographics and their transaction patterns to formulate customer-focused campaigns.
Market share
Ability to perform market share & competitive analysis by making comparison against industry standard / index / competitors, viewed from different perspective, such as asset, size, growth, branch, product, etc.
Profitability
Ability to perform health-check based on current financial ratios and compares them against historical trends. Provide dynamic profitability analysis capability with multi-dimensional views of operating results.

 
Performance Management
Provide multi-dimensional insight of Bank’s performance, in terms of financial,
growth, risk, customer, employee and process, by comparing & analyzing target
versus actual results. Provide capability to drill down and review historical performances across
different dimensions. Allow management to set realistic goals & targets as well as devise improvement strategies to meet them.

 
Risk
Provide the ability to assess and report risks on real-time basis from various aspects
(e.g. credit, market, operation & liquidity) and across multiple dimensions (i.e. product, customer, portfolio, geographical, departments / branches, etc.), so that risks can be mitigated before they turn into issues. Ability to pin-point flawed policies or operational inefficiencies, and assess the likelihood & consequences of such concerns.

 
Watch list
Ability to detect potential problems earlier so that preventive measures can
be taken to manage the situations proactively. Provide warning signal / alerts to Credit managers on the various types of arrears & delinquent status and blacklisted customers.

 
Human Resource
Ability to analyze Bank’s staff level & demographics, workforce productivity,
expenses, etc. HR Manager can identify and analyze recruitment need and gap easily. Enable HRM to assess staff morale by analyzing job satisfaction level and manage people effectively.

 
Top Performers
Provide an overview of the top performers and benchmark value contributions from different angles – e.g. in terms of most popular products, most profitable customers, regions / branches - that contributed the most revenue, etc. Enable management team to make comparisons and formulate the necessary reward / improvement actions for best / poor performers respectively.

 

Other Information
Other required information can be provided by creating new data cubes from the same data model or from core-banking system to generate the required customized information.

 


C) Query Capabilities
The above information can be viewed from various different angles by selecting desired criteria. The BI framework is designed in such a way that the data set can be sliced and diced easily to derive various information perspectives with minimal technical know-how & supervision.
 

D) Information Access through Web browser
Staying true to the common eICBA design principles, the eICBA BI Suite is built on a Web-based architecture – in which the front-end application runs on a standard Web-browser. Along with the inherent benefits of Web-based architecture, the system has powerful security features that provides for ease of access and efficient information dissemination on a secure platform.