SAS Banking Intelligence Solutions

Maximum increase in profit

Using SAS Banking Intelligence Solutions you can effectively use data on clients in order that it is better to imagine their actions and also possible risk and profitability. These solutions allow:

• Reveal the hidden trends in data which will help to detect and reduce the number of fraudulent transactions.
• Prevent fraud at identification and in operation of applications with a growth of volume of remote access and "impersonal" transactions, such as interactive banking activities.
• Define a circle of the most profitable for you clients, implement and to quantitatively estimate the strategy allowing to save the clients and optimize use of all available assets and channels of interaction.

SAS Banking Intelligence Solutions include the following components:

SAS Marketing Automation for Banking Thanks to completely integrated powerful functions  of data analysis about clients offered by SAS corporation  in combination with the advanced industry technology of management  of marketing  campaigns, SAS Marketing Automation for Banking, allows to understand better the available customer information, thereby, increasing efficiency of marketing efforts and their profitability. Integration of analytical models and processes of management of marketing campaigns allows to use effectively the most up-to-date information about clients and promotion activities. Thanks to it it is possible to reveal knowledge of clients hidden earlier and to use them  for the maximum increase  in return from marketing campaigns. Functions of detailed management of such actions  give  you the chance to effectively implement and optimize the multichannel, multifunction and determined by events  marketing campaigns, at the same time, automatically controlling each element of such actions.

SAS Strategic Performance Management for Banking For modern bank it is extremely important to have an opportunity to realize  business strategy in real  actions which accomplishment can  be estimated quantitatively and to check on all organization. SAS Strategic Performance Management for Banking  gives  such opportunities using the balanced scorecards focused on requirements of the bank industry, key indicators  of work, schemes of compliances and the centralized database. You can use business knowledge within your organization using the strategic scheme which will allow you reliably and to quickly monitor progress in achievement of a broad spectrum of strategic objectives.

SAS Strategic Performance Management for Banking includes the following components:

• The card to plan a route: design tools which give to business users

an opportunity to define the direction of corporate development and to formulate strategic tasks, parameters, the purposes and initiatives.

• Compass not to go off-course: the means of communication allowing to interact, exchange

and  to provide with results personal identification in corporation. These tools include the interface based on Web and powerful strategic schemes, tables, charts, diagrams and text comments. For ensuring personalisation of SAS offers the portal adapted to users. This function allows you to specify what information and what reports you would like.

• The knowledge base allowing to reveal new opportunities: created for collecting, storage and use of corporate knowledge. The knowledge base provides to IT professionals tools for installation of communication channels and optimization, systematization and control of each byte of information ceded on the enterprise and with that speed which is required to your company.
• All-corporate balanced system of key indicators: includes KPI, specific to the bank industry, allowing to gain a strategic,  uniform impression about the enterprise which allows the company to develop in the necessary direction.

The bank  processes and data models which are previously created in SAS Intelligence Architecture give  the chance to integrate all  crucial information necessary for support of acceptance of key business solutions.

• The architecture of data focused on the bank  industry: helps financial institutions

to quickly organize diverse data sources to the reliable platform for formation of a uniform version of the truth and effective data analysis about clients, relying on which heads can make decisions.

SAS Credit Scoring for Banking SAS Credit Scoring for Banking allows using applications and means of the analysis to better estimate solvency of your clients, analyzing their actions with credit cards, personal loans and mortgages. You will be able precisely to find out risk level during the work with the available clients and to receive a basis for assessment of potential clients, and, as a result, to create adequate offers, at the same time managing the business risks. SAS Credit Scoring for Banking allows creditors to develop and execute quickly card transactions of the credits, to check their reliability and to monitor changes in them quicker, cheaper and with bigger flexibility, than when using third-party services. In other words, the solution SAS Credit Scoring for Banking  allows to manage process of loan granting and to reduce the hidden costs. SAS Credit Scoring for Banking offers customer behavior appraisal remedies practically for all transaction types of loan granting to clients, including on credit cards, in a payment type of goods by installments and mortgages, for the purpose of assessment and risk management within the existing portfolios  of consumer services and improvement of strategy of acquisition of new. Using corporate assets of assessment and data collection and predictive analysis you will be able to provide better the probability of emergence of specific  risk and to assess its consequences, for example delay of payment of a loan, non-compliance with obligations and, finally, bad debt. SAS Credit Scoring for Banking offers the various means allowing creditors control losses on the credits. This solution gives  the chance to accumulate data on risks, to define categories of clients, to create credit cards and to generate reports. All these means give effect much quicker, cheaper and differ in bigger flexibility, than use of the having unreasonably high costs and often inefficient third-party services. SAS Credit Scoring for Banking offers following features:

• possibilities of collecting and data management about risks. Convenient access and support of all obligatory data arriving from departments, applications, payment systems and collection of information. Effective market segmentation and optimization of functions. Creation convenient for the address, the consistent, reliable booth of data having the integrated functions of extraction of data, preserving/elimination of duplicative information, installation of compliances and data loadings.
• More operational, economic and flexible opportunities for development of credit cards. SAS Credit Scoring for Banking allows your company most to execute development, check and implementation of applications and sheets of the balanced indicators. This solution also gives the chance to reduce the term of product output and to define optimal segmentation strategies of the market and pricing in which requirements to risk level, specific to this bank, are considered. All this allows to prevent transformation of the credit into a bad debt and to simplify obsluzhivaniyeschet and processes of assessment of applications.
• Excellent opportunities of reports generation about work indicators. Using SAS Credit Scoring for Banking you also receive a set of functions of reports generation based on Web characterizing stability of the indicators entering sheets, and the effectiveness of services. These reports can contain data on nonpayment  of the credits, to debts on  repayment, payment due dates, previous and final estimates. You can define  also precategories of clients who most likely will refuse company services in the near future.
• The analysis of use of accounts anticipating, relying on rules.
• The exact, generating warnings at the earliest stages system of notifications.
• Flexible and scalable technology which can be approved with rates of development of your company.
• Easy integration with other solutions, such as automation systems of marketing or management of activity.

 SAS Customer Retention for Banking can collect the data on clients obtained from all divisions of the company,  sort them and place in  the comprehensive, focused on customer information database  with  the most various search capabilities and storages. These opportunities help to calculate the probability that the client will leave you to your competitor. These "probabilistic" data together with information on profitability of the client are used for  separation the existing  clients of the company on category  and  preparation of the effective actions focused on the most valuable clients to hold them.

SAS Anti-Money Laundering SAS Anti-Money Laundering  allows you to reveal criminal financial activities, collecting and analyzing information on financial transactions on all enterprise, thanks to SAS - your strategic partnt in structure formation of knowledge for banking activity to avert instability of the indicators entering   sheets and to provide information on performance  both the management of credit firm, and state bodies. Reports generation is not only effective, but also powerful tool thanks to the dynamic mechanism which traces  and distributes all information concerning work indicators among credit managers.

SAS Customer Retention for Banking SAS Customer Retention for Banking will allow you to define precisely a circle of those clients who can refuse offers or services of your bank in general, and at the same time it is better to understand their requirements. Using such knowledge you can formulate more successful offers, the effective strategy  of work with clients and the target  addresses to them, increasing the level  of customer satisfaction  and saving their  circle that  will find  immediate reflection  in  financial indicators of your company. This solution uses the won recognitions of technology of storage and data analysis created by SAS corporation and offers following features:

• Obtaining exact information about the one who exactly refused services of your company.
• Information on the pacing factors influencing the level of flowability of clients and failure from the offered products.
• The highest forecasting accuracy in the industry to what you can reveal anomalies in actions of clients which can demonstrate fraud.

Transparent, reliable opportunities of reports generation will allow you to obtain exact information on results. As a result, you can undertake in advance necessary steps to prevent fraud, to fulfill the requirements of state bodies and to justify the confidence of shareholders, otherwise, to save reputation of the reliable partner on business.

SAS Risk Management for Banking Using SAS Risk Management for Banking you can:

• manage risks at all levels of the organization. This solution represents the open, flexible and expanded appraisal remedy and managements of market, credit and operational risks for the benefit of the maximum satisfaction to requirements of your bank, at the same time, allowing to satisfy conditions of state standards, such as Basel II.
• Get access to results of all process steps of data processing, including the analysis  and  storage, archiving and estimating all intermediate data. These functions will help you  easily  and to reasonably fulfill the requirements to conducting control checks defined in  Basel II and to implement internal requirements according to the reporting for decision support.
• Guarantee more operational and timely decision making at the expense of an opportunity to distribute information on potential risks on all organization by means of printing reports and mailing on network, through Webportaly and information systems of heads.
• Prepare reports as about the quantitative parameters necessary for assessment of market and credit  risks, such as value-at-risk, probability of a default and losses at such default, and about the quantitative parameters which are often connected with operational risks.
• Develop the configured internal models of assessment on the basis of individual requirements and the accumulated knowledge.
• Get access to initial data from any source and the channel and to transform them.
• Integrate different technologies of risk management.
• Generate a solid data, relying on which heads can make reasoned decisions.