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Slide 1
Business intelligence:
application on bank portfolio steering
Dimitar Dilov, Chief Risk Officer
Slide 2
Value creation: BI in Risk Management
Risk management creates Value in three ways:
❑ Protecting revenue
❑ Improving risk assessments
❑ Reducing operational costs
Data Driveness
❑Tools, competences and culture that acts on data
❑Data collection; Data Access (accessible, sharable and
quarriable); Reporting; Alerting; Analysis
Slide 3
BI and AA Use cases
Transactional
Scorecard
Income
Modeling
Modern BI
EWS BDS
It aims to size customer loan limits
before formal loan application.
It is a advanced data collection and
verification solution which enriches
customers data for better decision-
making and customer experience.
The model aims to alert on
borrowers behavior based on a set
of factors – internal, external and
behavior.
Combines data aggregation,
analytical solutions & infrastructure
for faster, simpler & richer data for
better business insights.
Designed to provide better
understanding on customers which
have limited background in the bank
however with transactions.
Slide 4
❑ Flexibility
❑ User personas
❑ Incorporable with
existing Office 365
❑ Easily accessible
on all devices
❑ Remote access
from everywhere
on the go
❑ Introducing Self-
Service BI
❑ Alert setting and
distribution
❑ Actionable data
triggered by alerts
❑ Automation of
data delivery,
update and
reconciliation
among various
sources
❑ Simplified
platform
management
❑ Easily sharable
data insights
❑ Pay what you
need
❑ Sharable
insights with low
cost
COLLABORATION
ACCESIBILITY
DATA DRIVEN
PLATFORM
MODERN BI & ACTIONABLE DATA
Slide 5
MODERN BI & ACTIONABLE DATA
✓ Enable business – move
from “What happened?” to
“What will’…” and finally to
“How we can make it happen?”
✓ Have deeper insight -
from below 200 to above 500
data points available
✓ Be faster - 750 MD for
Risk reporting to be reduced
by half
✓ Reduce IT efforts - self-
service BI available to
analysts
JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC
10%
40%
70%
100%
Proof of Concept
• PoC Modern BI
• Several dashboards
created and in use
Risk Data Mart
• Agile
• Sprint1 (06.19)
• Non-Retail
Risk Data Mart
• Sprints 2-6
• Retail,
Collaterals,
external data
Modern BI
• Data Gateway
• Azure for data
distribution
• Synergy with Group
Data Lake (AWS)
2019
Slide 6
MODERN BI IN PRACTICE
DASHBOARD DATA INSIGHT& ANALYSIS ALERTING COLLABORATION
What is exposure per segment?
What are Currency, Tenor, Loan
size & Rating distribution ?
What is our exposure per
Region per segment?
Who are value destroyers
and value-added outlets?
Why they are such?
How people from all level of
the organization can have
one platform of
communication with large
flexibility in interaction?
Slide 7
Q&A
Slide 8
Thank you!

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Application of Business Intelligence in bank risk management - Dimitar Dilov

  • 1. Slide 1 Business intelligence: application on bank portfolio steering Dimitar Dilov, Chief Risk Officer
  • 2. Slide 2 Value creation: BI in Risk Management Risk management creates Value in three ways: ❑ Protecting revenue ❑ Improving risk assessments ❑ Reducing operational costs Data Driveness ❑Tools, competences and culture that acts on data ❑Data collection; Data Access (accessible, sharable and quarriable); Reporting; Alerting; Analysis
  • 3. Slide 3 BI and AA Use cases Transactional Scorecard Income Modeling Modern BI EWS BDS It aims to size customer loan limits before formal loan application. It is a advanced data collection and verification solution which enriches customers data for better decision- making and customer experience. The model aims to alert on borrowers behavior based on a set of factors – internal, external and behavior. Combines data aggregation, analytical solutions & infrastructure for faster, simpler & richer data for better business insights. Designed to provide better understanding on customers which have limited background in the bank however with transactions.
  • 4. Slide 4 ❑ Flexibility ❑ User personas ❑ Incorporable with existing Office 365 ❑ Easily accessible on all devices ❑ Remote access from everywhere on the go ❑ Introducing Self- Service BI ❑ Alert setting and distribution ❑ Actionable data triggered by alerts ❑ Automation of data delivery, update and reconciliation among various sources ❑ Simplified platform management ❑ Easily sharable data insights ❑ Pay what you need ❑ Sharable insights with low cost COLLABORATION ACCESIBILITY DATA DRIVEN PLATFORM MODERN BI & ACTIONABLE DATA
  • 5. Slide 5 MODERN BI & ACTIONABLE DATA ✓ Enable business – move from “What happened?” to “What will’…” and finally to “How we can make it happen?” ✓ Have deeper insight - from below 200 to above 500 data points available ✓ Be faster - 750 MD for Risk reporting to be reduced by half ✓ Reduce IT efforts - self- service BI available to analysts JAN FEB MAR APR MAY JUN JUL AUG SEP OCT NOV DEC 10% 40% 70% 100% Proof of Concept • PoC Modern BI • Several dashboards created and in use Risk Data Mart • Agile • Sprint1 (06.19) • Non-Retail Risk Data Mart • Sprints 2-6 • Retail, Collaterals, external data Modern BI • Data Gateway • Azure for data distribution • Synergy with Group Data Lake (AWS) 2019
  • 6. Slide 6 MODERN BI IN PRACTICE DASHBOARD DATA INSIGHT& ANALYSIS ALERTING COLLABORATION What is exposure per segment? What are Currency, Tenor, Loan size & Rating distribution ? What is our exposure per Region per segment? Who are value destroyers and value-added outlets? Why they are such? How people from all level of the organization can have one platform of communication with large flexibility in interaction?