Banking

Corporate Banking Overview

Multiple delivery channels. Market specialization. High-profile mergers and acquisitions. Growing compliance requirements. Rising operational costs. For banking institutions worldwide, today’s business climate is increasingly high stakes and complex. Better customer service without compromising profitability is critical.

Corporate banks must:

• Maximize profitability by improving channel and product productivity and performance, gaining visibility into the most profitable customers, increasing revenue from new business and via cross-sell and reducing high delinquency rates, defaults, and losses.
• Be more efficient—See the big picture fast by bringing together the relationships, connections, direction and details needed to make informed decisions and improve operating performance.
• Reduce risk by linking data in disparate systems for a clear, holistic view of profitability tied to consolidated view of risk

Cognos, an IBM company, provides an integrated, best-practices solution for banking performance management. It integrates and leverages your critical data, and delivers the scorecarding, reporting and analysis, and planning tools you need to manage and optimize profitability and performance. With integrated plans, business intelligence, and metrics, you can dramatically improve your understanding of the current state of your organization and improve your ability to make timely, informed decisions in all areas—operations, sales and marketing, risk management, customer service, finance, and more.

With Cognos you get the business intelligence and planning software you need to:

Increase Profitability

• Monitor and report on sales and margin performance by customer, product line, region, or division.
• Develop financial metrics to track costs, losses, and risk-based returns; or customer loyalty and margin metrics (products sold, revenue, customer risk).
• Create a customer-centric view and client-level plans that incorporate the full scope of a customer’s relationship, including cash management accounts, investment accounts, loans, and leases.

Maximize Efficiency

• Improve efficiency of front, middle, and back-end functions by setting targets and monitoring the processes.
• Develop long-range, financial, cost center, and headcount plans, forecasts, and budgets across the enterprise.
• Track financial goals in terms of growth, profitability, and key controllable expenses.
• Monitor straight-through processing initiatives to gain timely, in-context views of operational efficiency.
• Extend extranet capabilities to customers, partners, brokers, and suppliers.

Reduce Risk

• Manage risk across the organization to deliver enterprise risk reporting to support a broad range of reporting requirements from a central, consistent source.
• Undertake “what-if” analysis to identify best use of capital, both on the basis of product and customer profitability and in the wider context of the customer relationship across the business as a whole.
• Implement best practices for fraud identification, asset liability management, rapid depreciation detection, and a host of other risk factors.
• Analyze enterprise risk patterns, model risk events, and proactively alert managers and senior executives to pre-determined risk events or breaches.
• Respond to external key influencers, such as rating agencies and supervisors, to ensure a lower cost of capital.
• Conduct what-if scenarios for different revenue projections or changes in business lines.

Additional Resources:

IBM Cognos 8 BI Reporting

Online Demo

See real-world reporting scenarios for casual business users and professional report authors.

Planning in the Financial Services Industry

White Paper

Find out the technology and best practices for effective budgeting, forecasting, planning, and reporting.

Cognos and Risk Management: Managing Risk Through Business Intelligence

Online Demo

See how business intelligence can help you analyze and report on risk exposure in your company.

Business Intelligence and Banking

White Paper

Find out from Datamonitor Analyst Jaroslaw Knapik how banks are managing risk, getting deeper understanding into customers, and becoming more operational efficient with BI.

Banking Customer Story Bundle

Success Story

Learn how banks such as HSBC Hong Kong are using Cognos to reduce risk and increase profitability.

Tower Group article: Commercial and Small Business Relationship-Based Profitability and Pricing

Article

Find out the building blocks and best practices for relationship-based pricing.

Tower Group article: Commercial and Small Business Banking in Troubled Times

Article

Find out how banks are using relationship-based pricing to increase profitability and growth.

Business Intelligence in Retail Banking

Analyst Report

Find out how banks are using BI to enhance decision-making and profitability.

Home | Legal Notices | Privacy Statement | Site Map | Performance Management | Business Intelligence | RSS Feeds
Copyright © 2008 Cognos ULC (formerly Cognos Inc.), an IBM Company.
All rights reserved.

Cognos is a world leader in business intelligence, performance management, data integration, enterprise risk management, olap reporting, analytics software, Oracle business intelligence, and balanced scorecarding for the enterprise.