Evgeny Pustozerov: The data warehouse – a basis of the full-fledged analytical platform in bank

Evgeny Pustozerov: Analytical solutions RDTECH generally are under construction based on products of Oracle. The basis of the solution is always reliable and productive DBMS using which necessary data structures of the detailed and aggregated layers, both the readings, and record which are quickly fulfilling transactions are created. The analytical layer is the Oracle application of BI allowing to build rather simply and effectively different requests to initial data and to carry out their comprehensive analysis. Communication between primary data sources, a detailed layer of data and show-windows is provided using the loading procedures implemented based on the ETL tool (can be used as are blown by Oracle, and other suppliers). Besides, for automation of measure calculations of data marts we often use specialized tools for financial institutions from a product line of Oracle Financial Services Analytical Applications (OFSAA).

TAdviser: What business challenges are solved using this system?

Evgeny Pustozerov: In addition to classical problems of information analysis about banking activities, our solution allows to automate process of creation of the management reporting (MR) in bank. The purpose of such system – to calculate a financial result by key measurements: on the centers of the financial responsibility (CFR), products, sales points, managers, clients, etc. The main results of operation of this module are the profit and loss statement (OPU) and balance in the specified cuts with a possibility of detailing to transactions.

Having accumulated extensive experience of implementation of the similar systems in different banks, our Company created the standard solution according to the management reporting including:

• standard method of calculation of the indicators used in UO
• standard analytical data marts (for example, on the credits, deposits, securities, etc.) and a summary show-window of Balance/OPU in which the calculated financial performance is stored in different cuts (the client, a product, the CFD, the manager, etc.),
• instrument of creation and start of managerial adjustments (OFSAA Profitability Management),
• the developed loading processes given in show-windows from a detailed layer (HD) and also in HD from a number of the most widespread core banking systems,
• the preconfigured reports in the environment of Oracle BI.

Existence of this standard solution allows to execute successfully RDTECH projects on automation of creation of the management reporting in banks in a short time at invariable preserving of quality.

TAdviser: Whether the system of the business analysis can help banking organizations to solve a problem of creation of reports for regulating authorities?

Evgeny Pustozerov: The system of the business analysis which cornerstone the universal data warehouse (a detailed layer) is can be used for the solution of the different analytical tasks which are present at commercial banks. Except the UO system mentioned above, using HD and specialized tools it is also possible to automate process of creation of the reporting of IFRS, obligatory reporting for the Central Bank or tax administration. All these types of the reporting represent separate modules within a uniform analytical layer and are based on the general for all the data warehouse that, in turn, allows to provide convergence of final results of different types of the reporting.

TAdviser: In what feature of creation of data warehouses in the financial industry? Whether you implement such projects? Tell, please, as such storages are usually connected with analytical platforms.

Evgeny Pustozerov: In our opinion, the data warehouse is an obligatory basis for the full-fledged analytical platform. At this storage whenever possible should be uniform for the organization and cover all data, necessary for the analysis, to be "a truth source" for all bank and for all types of the reporting. At creation of such data warehouse it is necessary to pay special attention to the following aspects:

• quality control of the loaded data,
• data storage model, its completeness and convenience of using,
• transparency of loading procedures of data,
• storage of the change history of handbook data.

If to speak about the projects implemented RDTECH, then from recent it would be desirable to note implementation of corporate data warehouses and the systems of the management reporting in Tatfondbank, the NOTE Bank and in Life Financial group. Certainly, the listed customers differ from each other on the business scale (FG Life, for example, integrates seven banks, and all have the specifics), a status of the accounting systems and a set of other criteria. But, despite of this difference, each of them in the shortest possible time received a single analytical platform for different types of the reporting and a wide range of users which can automatically decrypt any economic indicator up to transactions and postings now.

It is traditionally considered to be that similar projects last of a year and more therefore I do not exaggerate, speaking about the shortest time of implementation. They are really record: of 6 months in the NOTE Bank about one year in Life Financial Group!

TAdviser: What trends and perspectives of development of a business intelligence in financial. industries? What plans RDTECH on development BI experts?

Evgeny Pustozerov: The need for automation of any business processes steadily grows. It belongs not only to the companies of the financial sector. Certainly, for banks optimization (and consequently – and automation) the processes connected with customer service is primary. But at the same time the issue of automation of bank analytics and the reporting – business management processes without which development of financial credit institution is impossible – in the conditions of the increasing competition is particularly acute not less. And our long-term experience with Banks of Russia and the CIS countries is to that confirmation: the analytical systems constructed on technologies of data warehouses are in invariable demand. And, these solutions are something like must have for the banks entering TOP 100 for a long time; and in the next years the same, I think, it will be possible to tell also about TOP-200.

Considering this trend, RDTECH aims at reduction of terms of implementation of similar projects. Thereby we make our standard solution available to the banks taking 100-200 positions in ratings thanks to reduction in cost of implementation when preserving its quality.