1. Business Intelligence & Analytics
Resolving the Commercial Banking Conundrum
Transforming Your Data into Actionable Intelligence

2. Transforming Your Data into Actionable Intelligence
Pragmatix — An Overview
Transforming Your Data into Actionable Intelligence
Sample Banking Data Accelerators
Working Capital Insights
Branch/RM/Client 360
Early Warning Risk SMB
Account Planning & Sales Performance
Pricing & Payments Workforce Mgmt.
30+
Global & Regional Banks
35+
Solutions Implemented
Sample Clients
100+ Data Scientists covering
3 Regions across the globe
Bankers Perspective
Actionable Intelligence
16 + Preconfigured Data Accelerators
Big Data & Machine Learning
Providing the Fintech Leverage

3. Impact of Technology
Organizations 3

4. Disruption from Every Direction4

5. Unbundling of Commercial Banking
Borrowing/
Financing 5

6. The Commercial Banking Conundrum
Losing Market share with the advent of FinTech
Use cases for new tech “Blockchain”
Continuing Regulatory Oversight Priorities
Business Case for making investments in Insights for consolidating & gaining market share is often difficult
Insights that will provide targeted market segment information for different product categories
Pricing strategy that will “deliver” profits based on competitive information and prudent risk assessment 6

7. Internal Challenges Retail Banking gets all the “attention”
Hence they get a much bigger slice of the IT cake
Availability of Information is a problem
How do we devise and track campaigns
How do we segment markets : Oil & Gas / Retail / SME / Supply Chain Financing?
How do I empower Relationship Managers with actionable insights for decision making
How do I assess product profitability / Relationship Manager effectiveness / market share 7

8. External Challenges
Each client identifies themselves as unique (market segment / product etc.)
Demonstrating Subject Matter expertise to clients is crucial
Leveraging Reliable External Data sources on a consistent basis
Determining share of wallet is key to track effectiveness of insights being generated
Insights to determine impact on portfolio with all changes in economic variables, regulations, political events 8

9. Attributes of a Winning Bank in 20209

10. 2 1 3 4 Customer Centric Relationship Management (CCRM) Impact Metrics
Wallet Potential 3 4
Opportunities & Insights
Scientific process for wallet evaluation & budgeting
360 Insights — prescriptive & actionable
Driving performance through Pricing & Capital Efficiency
Improving share of mind of client
Key Relationship Challenges
Revenue Maximization
Portfolio Optimization
Client Advisory Solutions
Focused & Scientific approach to Client Management
Impact Metrics
Budgeting
Improved Share of Mind, cross-sell and revenue metrics
Customer Centric Relationship Management (CCRM)
Better Portfolio Insights through segmentation & advanced analytics
Transparent performance management & close alignment to business goals
Optimization
360 View

11. Pricing Optimization Analytics2 1
Dispersion 3 4
Pricing Potential
Combining billing, volume, asset/liability data for comprehensive view of pricing
Methodology for identifying dispersion & inconsistency in pricing
Measuring & Monitoring repricing action and results
Key Challenges in Pricing Optimization
Pricing Trends
Repricing candidates
Identifying negative response to pricing stimuli
Negative price elasticity
Positive price elasticity
Segmentation
Portfolio Insights for optimizing pricing & growing revenues
Client Benefits
Pricing
Elasticity
Actionable intelligence for RM — incremental $ revenues & share of wallet
Pricing Optimization Analytics
Clear framework to identify pricing efficiency/inefficiency
Business Intelligence & Comprehensive reporting on pricing actions
Impact of
Re-pricing
Recommendation

12. Improving Profitability Through Pricing Analytics
DATA POINTS
Billing Data
Client Balances
Client Attributes
Transactional Information
Client Wallet Potential
Business Rule Parameters
THE CHALLENGE : Global Bank for 80% of Fortune 500 Companies
Unable to combine “billing” data from multiple disparate sources & generate actionable intelligence
Understanding pricing trends and patterns
Enabling price optimization for the Bank
THE SOLUTION FRAMEWORK
A scalable framework that extracts “billing” related information at the “atomic” level from multiple platforms and seamlessly integrates it for data analytics
Transform extracted data by application of complex business logic and statistical tools to ascertain price dispersion; potential to reprice, behavioral patterns on account of past repricing, client segmentation, etc.
Decompose revenue variations into price and volume and by various dimensions, and compare client specifics with industry, segment, and portfolio averages, and trends
Parameterization to help address client level variations
Effective use of visualization tools to share decipherable output with a geographically dispersed sales force
ANALYTICAL FRAMEWORK
Revenue & Pricing Deviation
Comparative Pricing Analysis
X Sell Analytics
Identify Repricing Opportunities 12

13. Improving Profitability Through Pricing Analytics
Impact Metrics
Visualization & Output
Data discovery via slice & dice of the database
Alerts based on business rules, triggers
Daily dashboards
Milestone tracking
Reporting
Tier 1 client charge codes priced below portfolio mean.
Repricing potential in $$$
Top 25 clients with repricing potential
Impact of repricing i.e., volume impact post repricing implementation

14. Appendix

15. Create your own visualization
Vital Analytix — An Overview
Transformation
DATA SOURCES
Structured
Semi-Structured
Unstructured
Syndicated Data
Business
Scenarios
VISUALIZATION
BUSINESS USER
Mobile & Desktop Apps
Create your own visualization
Business API
Customized Alerts
DATA SCIENTISTS
CRM
SAP
Oracle
EDW
Others
Smart Search

16. Contact Us Pragmatix Services LLC
228 Hamilton Avenue Palo Alto, CA 94301
Anup Basrurkar anup. pragmatixservices.com