End-to-End Solution for MIS/BI & Automated Data

Flow to RBI

BI for Banks

Client Project

Bank of India Comprehensive closing returns

The Himachal Pradesh State Cooperative Bank Ltd

MIS Implementation and Support

Raichur DCC Bank MIS Implementation and Support

Corporation Bank ADF and XBRL

MIS, BI & Similar Projects done by the same team

To create Central data repository (CDR) adhering to the framework outlined by RBI for automated data flow of returns to RBI.

The CDR should be populated with clean and valid data and should synchronize financial and non-financial data from various source systems of the bank.

Eliminate multiple data version by creating single version of data at any point of time

Provide integrated system with existing Source systems (CBS, Treasury, CIS, HRM, LAPS, etc) and other applications.

The CDR enable the bank to meet requirements for:

• Decision support system

• Internal MIS and analytical reports, charts, graphs, etc.

• Reporting to external agencies like Ministry of Commerce, SEBI and other regulators

Returns to be submitted in XBRL formats as per taxonomy published by RBI

To have Data and Systems readiness for any future Data-Warehousing Project

Project Objectives

How BI for Banks ADF meets Bank’s Objectives

1

Creating CDR

Data quality

2

3

4

Data integration from

various source

systems deployed in

the bank.

Reporting,

dashboards and

conversion to XBRL

format.

This solution is structured in four layers as outlined in the RBI

framework to meet all the activities and tasks prescribed for

implementing ADF system. It has ready data models key Features being

the extensible Data Model, System for Governance, External Data

Capture functionality

The solution has data validating algorithms built in ETL and

gives reports related to quality of data.

The solution can be easily integrated with data quality tools

and provides for strong data governance.

It has ETL routines and mapping from source systems like

Finacle, Treasury, Central Accounts department, etc.

Data management platform consists of rich set of

transformation for a variety of task, Integration Analytics and

Data Quality Transformation

1

4 We have created 400+ reports in a public sector bank. Hence

the data mapping to the reports are already available.

The reporting interface component of the proposed solution

allows to create reports and dashboard with drag and drop

facility with a strong metadata management component.

2

3

OB

JE

CT

IVE

S

Features of the Solution

Software is web based, menu driven and user friendly.

Access is through user login.

User defined access control available. The access can be configured on need to know basis.

Audit trails provided for each login, logout, and Addition/deletion/modification by individual users.

Uploading of data in electronic form as well as data entry mode available.

Software compiles statements of sundry deposits, sundry credits, and suspense debits.

Provision of Data Governance by using feature such as Maker / Checker.

Is able to configure the amount in Thousands, Lakhs, and Crores

Features of the Solution

Supports multiple currencies.

Compiles statements relating to Asset Classification, Allocation of Advances & Unrealized Interest.

Is able to configure the amount in Thousands, Lakhs, and Crores

Has provisions to accommodate increase in no. of branches ,zones etc and also various other fields which may come in future.

Uploading of data any number of times permitted at various stages like pre-audit, post audit and post MOC.

Scalable, Extensible data model cutting across various Banking domain

Logical & Functional Architecture

CBS & other source systems to Stage Database

• All the Required data from CBS and other systems (Source tables) Extracted to the Stage Database. Configurable frequency to ensure returns periodicity.

Stage Database to CDR

• Other set of ETL packages use this Staged Database for transformation, mapping and cleaning various data elements and loading into CDR from where the reports & returns are generated.

Legacy system data

• In case any data required in the CDR is existing in any legacy system which does not have RDBMS then the data that is collected in Flat files and transfer to CDR database.

Gap data

• Data not available in any system is fetched through data entry programs. Which provides for maker checker facility.

Data Management

Data Integration

• Data Adaptors

• Custom Data Maps and Transformation Rules

• Sources – Data bases, Excel, Flat Files, etc.

Data Extraction from Disparate Operational Source Data

• Data Validation

• Data Standardization

• Generation of Data Sets for Analysis & Predictive Modeling

Consolidation of Data

Historical Data Population through ETL

Auto-scheduled ETL

Audit Trails

Data Cleansing

Data Profiling – to detect defect levels in variable values

Deployment of Data Profiling functions for incremental data

Development of Business Rules for transformation / standardization

Deployment of Business Rules in ETL

Customer ID creation

Standardization of categorical variable values

Conversion (Pin Code to City Name)

Missing value population with Business Rules

Creation of Bins for functions like frequency distribution (e.g. Age)

Develop a complete assessment of the scope and nature of data quality issues in CBS and other source databases along with existing MIS database of the Bank.

Create an inventory of data assets.

Inspect bank’s CBS and other Source data bases for errors, inconsistencies, redundancies and incomplete information in the data.

Build the foundation for future data management initiatives to provide clean, consistent, effective and efficient data.

Profiling

Quality

Plan and prioritize data correction initiatives.

Identify and resolve problematic data.

Standardize, normalize and transform data before loading into bank’s CDR.

Validate and improve the overall accuracy of data.

Data Quality

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Reporting and Alerting

• Enabled as Shared

Service

• Built-in scale-out for

RS Service Apps

• Cross-farm reporting

• Integrated backup &

recovery, ULS

logging, PowerShell

etc.

• End User Alerting

• Defined from within

operational or ad-hoc

reports

• Intuitive Alert rules

• Self-managed Alerts

• XLS/Word 2007/2010

• Power View

• Highly visual design

experience

• Rich metadata-driven

interactivity

• Presentation-ready

at all times

Increase efficiency Increase Proactive Intelligence

Managed Self Service BI – Corporate BI

Empower users

Proactive Intelligence

Self Services Alerting capability makes it trivial for any end user while viewing a report to define rules and thresholds on data and be alerted when they are reached. This transforms a traditional pull mode activity to a push mode activity greatly increasing Information Workers productivity.

What XBRL Requires…

Standardized data

Clean and validated data

Timely data

Capturing the granular data

Removing the redundancy in data collected and stored

Automated data processing

RBI’s XBRL Initiative

Key driver for XBRL adoption in India

Member of XBRL India jurisdiction

Started XBRLisation with RCA II in 2008

Migrate to XBRL solution for all returns in phased manner

XBRL via ADF

Returns currently covered

• Form A, GPB, Financial Reporting

• Form VIII, Form X

Solution Overview:

MIS/BI & Automated Data Flow

Infrastructure Deployment

17

Hardware Architecture

Brief on Security Architecture

18

The application has a three tier architecture. (Web/App/DB)

Each of the layer Web/App/DB has been divided into zones separated by firewall.

The web layer is in DMZ which will be first layer for all users access.

The App/DB has been put into the MZ separately.

The application level security is through user access levels which is configurable as

per the banks ISSP.

Security features of application:

• Automatic logout of idle user after specified time.

• Minimum password length of 8 characters available.

• User lock after predefined unsuccessful login attempts.

• Force password change after predefined periods.

• System does not accept user id as password.

• Password is not same as old password.

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Some of the key reports generated

# Name of the Output form

1 Form A Special

2 Form B

3 Form B Special

4 Form VIII

5 Form IX

6 Form IX Special

7 Press Communique data

8 Statistical Tables relating to Banks in (Table No. 34)

9 Working Group on Monetary Aggregates (WGMA)

10 Advances to Priority Sector by all SCBs (Final)

11 Advances to Priority Sector by all SCBs (Adhoc -Half yearly)

12 Special Return I (As on Last Reporting Friday of June)

13 Special Return II (As on Last Reporting Friday of June)

14 Special Return III

15 Advance under DRI Scheme

16 Credit Facility to SC/ST

17 Credit Assistance to Minorities

Case Study: Himachal State Cooperative Bank

Some of the Reports available

• Weekly Flash Data Report

• BSR Statements.

• Industry wise advances.

• Sector wise advances.

• Facility wise advances.

• Position of Priority Sector Advances and Disbursement.

100+ reports are deployed which cover reports of different departments like Credit, Risk Management, Priority Sector Lending, Statistics, Retail Banking and International Banking Division etc.

Dashboards are made available

Statutory and regulatory reports as per RBI format are generated.

Case Study: ADF Solution

203 ADF Reports Available for Reporting to RBI on defined frequency

Predefined templates available for data extraction.

Advances & Reminder Mail Alerts for Data upload, Report Due Data, Report Approval, Report Submission.

XBRL Report Generation Integrated available for RBI Reports.

User Management available to define access rights to user as designation and department integrated with bank employee data.

Report Scheduling and Auto Loading provided for report generation as on due date or on receipt of data.

Dashboards are made available

Financial inclusion - number of no frill accounts opened

Form – VIII (SLR)

State-wise ATMs data

Area-wise ATMs data

Cards data

Pre-paid cards

Vostro list

List of offices/branches maintaining (Rupee and ACU Dollar) accounts of non-

resident banks and list of Vostro accounts

Credit flow to micro, small and medium enterprise

Statement on the position of balancing of books

Form-A Provisional (Sec.42)

Form-A Final (Sec.42)

Form-X – statement of assets and liabilities

BSR1, BSR 2, BSR 4 & BSR 7

Opening / closing of branches

Names of some Reports Rendered through ADF

Sample Reports

Samples – What-If Analysis

Sample – Dashboards

CASA DASHBOARD

Employee Data – Creation / Edit / Upload

Data Upload – Screens with Maker – Checker Concept

Data Upload – Screens with Maker – Checker Concept

Data Upload – Screens with Maker – Checker Concept

Email Alerts – Data Upload / Reports

RBI Reports

RBI Reports – Version Wise Report Generation

RBI Reports – Report Details if Data Pending for Date

RBI Reports - Report Generation

Solution Overview:

MIS/BI & Automated Data Flow

Proposed Implementation and Methodology

38

Accelerated Roll-out

Thoughtful Solution Design

Robust Governance

• Requirement validation as applicable

• Minimum Customization • Parallel builds

synchronizing in to single Testing phase

• Core Key team members from domain and technology are ready to be deployed

• Governance Layer can be leveraged

Bank/ NSCS key stakeholder participation in project governance

Proven BI Governance mechanism at all levels – Country, Region, Group

• Focus on current application needs

• Alignment to Enterprise standards of SBI as applicable\required.

• Design and development follow standard SDLC processes .

Proven Relationships &

Techniques

Delivery excellence across multiple projects over many years

Strong relationship with SAS as a partner

Real-time synchronization between Onsite-Offsite teams

Commitment to Bank for project Success

Successful Solution Implementation

Critical Success Factors which we will deliver against

Solution fit to requirements

Conforms to existing Performance measures

In-time Remediation No cost & Schedule spill-

over

Proposition to Customer

39

Phases / Deliverables Initiation Manage Build Operate Transfer O

bje

ctiv

e

• Due Diligence • Risk management • Expectation

management

• Ensure governance • Scope, issue, resource

management

• Design , Install , customize , integrate and deploy Solution

• Provide operational support

• Optimize

• Solution is live and support model is in place

Act

ivit

ies

• Project kick-off • Establish PMO

• GAP / risk /

dependency identification

• Verification of scope/requirements

• Verification of existing solution stack/environment

• Project planning and tracking

• Budget tracking

• Monthly steering Committee meetings

• Weekly check point meeting

• Scope management

• Planning: QA, Integration, migration ,Rollout

• Requirement gathering • Infrastructure design

• UAT,PDC,HA,DR • Install Solution • Parameterization and

customization • SIT and UAT • Pilot Rollout, Parallel run • Initial Training • Data migration, QA, UAT • Production

Migration/cut-over • Phased Rollouts: web

based, thin clients, messing hub integration

• Define SOP for Integrations, On boarding

• Training

• Setup Support: Helpdesk, L2, L3

• Application monitoring

• Problem/issue management

• Root cause analysis

• Change management

• Production updates if any

• Verification and signoff.

• Build knowledge repository

• Tier 3 support

Del

iver

able

s

• Project charter/Plan • Roles Responsibilities

matrix • Frozen Project scope • Risk management

plan • Project calendar • Resource calendar • Gap analysis

• Updated project plan • Status reports • Issue tracking status • Budgets • Change management Log • Rollout plan, release

management • QA plan

• SRS, traceability matrix • Process Documents • High /Low level design • Infrastructure plan • Customized Solution • QA Results • QA,UAT, production

deployments

• Training schedule • User manuals • Pilot/ HARD Launch

• Lights are on, SLA

tracking • Admin/user guide • On boarding SOP • Change controls if any

• System documentation

• AMC contract • Help desk • Application

Support

Initiation Planning Execute Go-Live/Operate Transfer

Key Success factors

Collaborative approach and transparency

Strong Governance

Strong Program/Project

management

Proactive Risk identification

and mitigation

Mature process framework based on CMMi 5 and ITIL…

Project Phases NSCSPL Bank

Analysis Of Requirements a) Capture Business Requirements b) Source System Study c) Gap Data analysis

a) Provide Business Requirements b) Access to data sources c) Sign-off the BRD

Design Phase a) Configure Data Model b) Configure Solution c) Design ETL & Business Rules d) Design Gap data screens

a) Data in structured format b) Sign off the design document

Construct Phase a) Provides gap data entry programs b) Configure ETL c) Configure rules engine for DQ and

transformations d) Build Reports e) Configure alerts and authorizations levels

a) Access to Source System for integration b) Ensure Gap data is entered and authorized c) ISSP guidelines for configurations of user levels d) Provide hierarchy for sending alerts

Internal Testing a) Report wise testing b) End to end testing

UAT a) Initial training to testing team b) Replicate Test cases c) Record Issues d) Address Issues

a) Constitute test team b) Provide Test cases c) Conduct UAT and notify issues d) Sign off UAT

Trainings and Go-live a) Impart training to core team b) Training to users and other stakeholders c) Port the solution on production

environment

a) Nominate personnel for trainings b) Nominate the pilot branches/departments c) Sign offs on training d) Go-live sign off

Roles and Responsibilities - Representative

Thank You!

Q & A