1. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 1 Know Your Customers SAS® Banking Intelligence Solutions Aslam Chaudhry Analytic Solutions Manager SAS R&D SUGI30 April 11, 2005 Aslam.chaudhry@sas.com

2. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 2 A Banker Is Trying to Know Her Customers Customers Historical Data is Locked at Banks

3. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 3 Agenda Banking Industry Landscape SAS Corporate Strategy Customer Intelligence Components SAS Products for Banking Product Details – Demo Benefits Next Steps

4. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 4 Banking / Financial Landscape Product Based Line of Business Based Customer Value Based Other

5. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 5 Banking / Financial Industry Landscape -- Survey

6. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 6  Competitive Distinction/Dedifferentiation  Resource Optimization  Attention to the Most Valuable Customer Groups  Engage the Most Potentially Valuable Customer or Households for Growth Benefits of Customer Value Management

7. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 7 Does measuring Customer Value drive success for your company? Customer Value Management---Survey

8. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 8 The Customer Value Management Use --- Survey

9. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 9 SAS® Banking Intelligence Solutions

10. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 10

11. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 11 SAS Banking Intelligence Solution --- Customer Intelligence SAS Customer Segmentation for Banking SAS Cross-Sell/Up-Sell for Banking SAS Customer Retention for Banking SAS Marketing Automation for Banking

12. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 12 Customer Portfolio Value Management SAS® Banking Intelligence Solutions

13. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 13

14. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 14

15. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 15 SAS Banking Intelligence Solution --- Customer Intelligence SAS Customer Segmentation for Banking SAS Cross-Sell/Up-Sell for Banking

16. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 16

17. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 17

18. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 18

19. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 19

20. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 20

21. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 21

22. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 22

23. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only

24. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 24

25. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only

26. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 26

27. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only

28. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 28 SAS Banking Intelligence Solution --- Customer Intelligence SAS Customer Retention for Banking SAS Marketing Automation for Banking

29. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only

30. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 30

31. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 31

32. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 32

33. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 33 SAS Banking Intelligence Solution --- Customer Intelligence Solution Architecture

34. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 34 SAS DDS 2.0 Based Data Architecture Legacy Source Systems Deposits Checking Saving CDs Loans Auto Boat RV & others Mortgages Home mortgages commercial Credit Cards Regular Visa Gold Cards Platinum Others Lobs Data Staging Common data extracts from all the systems at a common data collection for further processing ETL Processes Logical & Physical Models Data Dictionary Docs Data Warehouse Development Using SAS Data Infrastructure DDS 2.0 DB2 MS SQL Server Teradata Oracle SAS SPDS Daily, Weekly, Monthly Data Loading Schedules ETL Studio SAS® Banking Intelligence Solutions

35. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 35 BIS Customer Intelligence Components ETL Studio ETL Flows LSF Scheduler (Jobs) Docs Analytic Mart SPDS Eminer Web Client 5.1 7 Cross-Sell/Up-Sell models 4 Retention models Model Development & Scoring Integration with BIS Dynamic Creation of ABTs Retention Web Client Business UI Retention Focused Predictive Modeling Retention Segmentation Using Model Score Cross-sell Web Client Business UI Business Focused Business & predictive modeling SPDS Oracle UDB/DB2 Teradata MS SQL Server Daily, Weekly, Monthly Data Loading Schedules Real-Time Connectivity Batch Scheduling DDS 2.0 / Bank’s Data Warehouse CCMM SPDS Marketing Automation Campaign Web Studio/Campaign Studio Marketing Optimization CCMM: Customer Communications Management Mart Segmentation Web Client Business UI Tree Based Clustering BSB Business Selections Builder SAS® Banking Intelligence Solutions

36. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 36 SAS Banking Intelligence Solution --- Customer Intelligence Benefits: Evolutionary Migration from Product Based to Customer Valued Based Manage to Retain Your Best Customers Organization Can Measure the Success of the Most Valuable Customers Banking Specific Data Architecture Faster Deployment & Implementation

37. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 37 SAS Banking Intelligence Solution --- Customer Intelligence Next Steps A new SAS 9 based solution Want to Get More Info: Email: Ellen.Joyner@sas.comEllen.Joyner@sas.com Aslam.chaudhry@sas.com Contact Local Your SAS Sales Team

38. Copyright © 2003, SAS Institute Inc. All rights reserved. Company confidential - for internal use only 38 SAS Banking Intelligence Solution --- Customer Intelligence Questions?