1. HP DUTCHWORLD 2008
OUTSMART THE FUTURE!
Next Generation
Business Inteligence
J McDuffie Brunson

2. Market Dynamics –
Conversations with Top 50 Global Financial Institutions ….
2006 Assets
(millions) Called
1 UBS AG Zurich $1,961,327  41 Royal Bank of Canada Toronto 477,432 
2 Barclays PLC London 1,949,167  42 Nordea Bank AB Stockholm 457,134
3 BNP Paribas Paris 1,898,186  43 KBC Groupe SA Brussells 428,485
4 Citigroup Inc. New York, N.Y. 1,884,318  44 Groupe Banques Populaires Paris 402,090
5 HSBC Holdings PLC London 1,857,520  45 Intesa Sanpaolo Milan 383,085
6 Royal Bank of Scotland Group PLC Edinburgh 1,705,044  46 SanPaolo IMI Turin, Italy 380,022
7 Credit Agricole SA Paris 1,662,600 47 WestLB Dusseldorf 376,656
8 Mitsubishi UFJ Financial Group Tokyo 1,585,767 48 National Australia Bank Ltd. Melbourne 360,563 
9 Deutsche Bank AG Frankfurt 1,480,984  49 Toronto-Dominion Bank Toronto 349,714 
10 Bank of America Corp. Charlotte 1,459,737  50 Washington Mutual Inc. Seattle 346,288
11 JPMorgan Chase & Co. New York, N.Y. 1,351,520  51 Resona Holdings Inc. Osaka 343,770
12 ABN Amro Holding NV Amsterdam 1,297,604  52 Bank of Nova Scotia (Scotiabank) Toronto 336,347
13 Mizuho Financial Group Inc. Tokyo 1,269,600 53 Eurohypo AG Frankfurt 295,393
14 Societe Generale Paris 1,261,478 54 Depfa Bank AGC Dublin 294,071
15 ING Bank Amsterdam 1,178,697  55 Bank of Montreal Toronto 285,187
16 HBOS PLC Edinburgh 1,156,614  56 Credit Industriel et Commercial Paris 282,481
17 Banco Santander Central Hispano SA Madrid 1,088,015 57 Skandinaviska Enskilda Banken Stockholm 282,400
18 Unicredito Italiano Spa Milan 1,077,209 58 La Caixa Barcelona, Spain 275,416
19 Credit Suisse Group Zurich 1,025,111  59 Commonwealth Bank of Australia Sydney 273,738
20 Fortis NV Brussells 1,020,098  60 Canadian Imperial Bank of Commerce Toronto 270,380 
21 Industrial and Commercial Bank of China (ICBC) Beijing 962,969 61 Standard Chartered PLC London 265,509
22 Sumitomo Mitsui Financial Group Tokyo 901,711 62 Svenska Handelsbanken AB Stockholm 261,428
23 Commerzbank AG Frankfurt 795,900  63 Australia and New Zealand Banking Group Melbourne 249,543
24 Dexia Brussells 747,045  64 HSH Nordbank Hamburg 244,587
25 Rabobank Utrecht 732,757  65 Deutsche Postbank AG Bonn 243,592
26 Groupe Caisse d’ Epargne Paris 710,801 66 Erste Bank AG Vienna 239,295
27 Wachovia Corp. Charlotte 707,121  67 Woori Finance Holdings Seoul 228,923
28 China Construction Bank Corp. Beijing 697,445 68 Shinkin Central Bank Tokyo 228,699
29 Agricultural Bank of China Beijing 684,349 69 Westpac Banking Corp. Sydney 223,079 
30 Bank of China Ltd. Beijing 679,572 70 Halaba Frankfurt 221,379
31 Lloyds TSB Group PLC London 672,404  71 Bank of Communications Co. Ltd. Shanghai 219,763
32 HVB Group Munich 666,923 72 U.S. Bancorp Minneapolis 219,232
33 Dresdner Bank Frankfurt 654,928 73 Hypo Real Estate Holding Munich 213,356
34 Credit Mutuel Paris 635,685 74 DNB Nor ASA Oslo 211,536
35 Natixis Paris 604,366 75 Allied Irish Banks PLC Dublin 208,799 
36 Norinchukin Bank Tokyo 602,645 76 Banca Monte DEI Paschi Siena, Italy $208,324
37 BBV Argentaria SA Bilbao, Spain 536,972 77 Bank Austria Creditanstalt AG Sydney 202,315
38 MetLife New York 527,715 78 Countrywide Financial Calabas, Calif. 199,946
39 Danske Bank A/S Copenhagen 484,515  79 Swedbank AB Stockholm 197,631
40 Wells Fargo & Co. San Francisco 481,996  80 Northern Rock PLC United Kingdom 197,556

3. The Game is Changing ….
The Game Changers Success Factor Focus
Critical Current
 Global Credit  Fast Merger
The Top Issues
Crisis
NEXT GENERATION BUSINESS INTELLIGENCEIntegration
 Significant Reduction  – Government
Business Designed  Acquire Deposits
in Time to Market – Interventions
Governance Managed  Increase Credit
 Significant Reduction  – Global Bailout
Enterprise in Scope Flows to Market
in Costs  – Forced Marriages
Changes at the Speed of Business
 Revamp
 Drive Incremental  Dramatic Collection &
Income Increase in Lending
New Discussions Strings
 What
 Risk Management Regulation
 Single Customer TRANSFORMATON comeRequirements
New with Bailout
View – Business Model
• New Information/Insights
– Credit
• Enterprise View
– Risk Management • Flexibility in face of
– Retail Banking Uncertainty
– Costs & Infrastructure
– Customer Management • Access to High Quality Data

4. Next Generation
Business Intelligence
• What is today’s
Environment like?
• High Cost ;; High Risk
• High Cost High Risk
• Siloed
• Siloed
• Totally Inadequate
• Totally Inadequate

5. Today’s Approach – point sourcing for each project
High Cost !
High Risk !
Excel & Access

6. Today’s Environment - duplication driving risk and costs ….
e ss
Ac c
el &
ft: Exc
o so !
y Mic
r
h Risk
em e nt b
! Hig
M anag
h C os t
Hig

7. Result: “Shadow IT”
Data
• ETL by reporting & analytic tool; Hostage Scenarios
• Storage by laptop, USB Drive, under-desk blade;
Market Awareness & Research
BAM, “swimming in the data”
Dealer Floor Other Other Other Other Mortgage Mutual Fund Personal Customer
Plan Revolving Account Insurance Vehicle Channel SOLD Lead Dun and
Loan Financial Idnetification/ Account Sales
Credit Servicing Analyses Manager Services Leasing Statistics Capture CAN Bradstreet
Internet Check
Product Development
Other Other Other Other Strategy Other Application Portfolio Payment Online Brokerage Retirement
Handling
Checkcard
Warehouse
Monolith EBOX Image
Request Banking (BETA) Reporting
& Pricing
Other Other
General
Ledger
Tandem
Logging
Relationship
Banking/CAP
Items
Processing
Int'l Dep Sales
Tracking
Dealer
Financial
Services
Mortgage
Loan
Servicing
Infobase-retail
demographics
Commercial
401K Plan
Sponsor
Bank by
Phone
Inst Trust Exotics & Derivatives
Other
MBNA Safebox
Demand
Deposits
Other Other Other Comply/Wire Other
Compliance
Human
Resources
Insurance
Personal Trust Equifax
Basel, KYC, AML, MiFID, Solvency2, SEC
Annuity
Customer
Information Relationship
System Time Deposits
Services
Enterprise Reporting
ACLS
Consumer
Loans Finance, Operations, Regulatory
CRM
Risk Extracts FinanceExtracts Warehouse/Mart
Product Extracts Extracts
Extract Front Office/Back Office
Risk AML
Operations
Mart
Trade Execution, Risk/Exposure, Capital
Risk
Mart
Finance Products
Credit Risk
CORPORATE Mart
Risk Management
CORPORATE
EDW
DW Credit, Market, Interest Rate, Operational
Mart Mart
Mart
Extract
Merger/ Acquisition Integration
Mart Mart Extract
Extract
MARKETING Mart
Extract Operational Excellence
Six Sigma, TQM, Activity Costing
Extract
Extract
360o View of the Customer
Extract
Extract
Extract Segmentation, Targeting, Campaign Mgt
“Organic Growth”
Client Experience, Profitability, Wallet Share

8. Next Generation
Business Intelligence
• What does it do?
• Lower costs; greater control of risk
• Lower costs; greater control of risk
• New insights ;; information
• New insights information
• Greater ability to act – fast
• Greater ability to act – fast
• Scaleable to the Enterprise
• Scaleable to the Enterprise

9. New Insights ; Information - elasticity of profitability
• By client group (household / corporate entity), who provides the profits and provides
the risk?
• Want the names, addresses and account numbers; understand the relationship
Distribution of clients Client contribution to
based on profit per bank EBIT (in US$m)
customer (in US$)
5% 60
100% >$400
$100 to $400 11%
+40 $m
80% $0 to $100 12%
40
+61 $m
60%
59% 20
40% -$100 to $0
+16 $m
+17 $m Less than
Less than
20%
-$400 to -$100
30% of
30% of
11%
0%
<-$400
2%
+3.7 $m 0 clients are
clients are
Total EBIT
800,000 customers
-13 $m profitable
profitable
-16.5 $m -20
-45 $m
-16 $m
-40

10. Greater Ability to Act - managing the segment; a risk approach
If we understand risk & profitability by sub-Segment, we can manage it !!
Mortgage
3.0 only
14.007
Relationship
Relative Lifetime Value
Investment Only Households
Only 8,212 25,319
2.0
Loan Only Prime Earners
Only 5,097
1.0
Current Accounts & Savings
Only 8,042
Bankcard
Only 18.012
0.0
NORS Secondary Primary
Relationship Type

11. Greater Ability to Act - monitoring credit portfolios
• Automatically monitor credit portfolios; on-books and
securitized

12. Greater Ability to Act - monitoring credit portfolios (continued)

13. Data is at the core; Provisioning is the key
A process view; interrelated levels
Absolute Data Transparency Required
Standard Reports
Users
Tools
Parameterized Reports
Ad Hoc Queries
Modeling (risk & behavioral)
Analytics
Data Provisioning “Quant World”
Management Action
Traditional BI Focus
structured & unstructured
Data Sources
Traditional BI Focus
Wisdom & Insight
real time & batch
Application APPLICATIONS
Interfaces Operations
Risk / Finance / Accounting
Marketing / Sales / CRM
Channel Management
Product Applications
OPERATIONAL BI
Real Time
Interfaces
Continuous Events
Event Triggers
Substantive Testing
Real-Time Pricing
Fraud Management
Feedback Loop Controls, Measurement, & Confirmation

14. Next Generation
Business Intelligence
• Critical Components
• Data Provisioning
• Data Provisioning
• Comprehensive Architecture
• Comprehensive Architecture
• Enterprise Governance
• Enterprise Governance

15. Data is at the core; Provisioning is the key
Data Utility BI Utility
A process On-Site ; Outsourced
view; interrelated levels
On-Site ; Outsourced
Absolute Data Transparency Required
Standard Reports
Data Provisioning
Users
Parameterized Reports
Tools
Ad Hoc Queries
Modeling (risk & behavioral)
• Data Quality
Access & Entitlements
Analytics
• Data Certification “Quant World”
Management Action
• Atomic Storage
Traditional BI Focus
structured & unstructured
Data Sources
Traditional BI Focus
Wisdom & Insight
ETL HUB
• Target Data Stores
real time & batch
• Multiple Models
Application
• Reduced Data Dup APPLICATIONS
Interfaces
Operations
• Metadata Risk / Finance / Accounting
• Master Data Marketing / Sales / CRM
• Real-Time Access Channel Management
Product Applications
• Mixed Use Platform
OPERATIONAL BI
Process Driven Approach
Real Time
Interfaces Continuous Events
Leverage Investments Event Triggers
Substantive Testing
New Funding Approaches Real-Time Pricing
Fraud Management
Feedback Loop Controls, Measurement, & Confirmation

16. Next Generation Business Intelligence - architecture
Corporate & Strategic Objectives / Initiatives
Business Teams Technology Teams
User Access Methods System Access Methods
Presentation/
Monitoring & Management
Delivery Enterprise Information Portal (EIP)
Business Activity
Batch Real-Time
Governance
Business Reporting, Analytics, Delivery Channels,
Application
Intelligence Modeling, Data Mining, Products, Operations,
Dashboards Layer HR, G/L, Risk, Marketing
Layer
Data Aggregation & Storage
Data Layer Data Integration
Data Acquisition
Technology Infrastructure

17. Next Generation Business Intelligence - architecture detail layer two
Business Teams Technology Teams
Access Methods System Access Methods
Web FTP, Message
Portal SOA Other Wireless
DB Replication Bus
Access
Processes Disaster Recovery Presentation/ Enterprise Information Portal (EIP)
Prioritization Information Security/ Content
Publish/ Rule-Based Search Identity Rendering Across
Business Activity Monitoring & Management
Budgeting Subscribe Customization Engine
Access
Delivery Mgmt Multiple Channels
Security Content Management
Risk Management
Metadata
Batch Real-Time
Rules Creation, Workflow Management, Rules Engines
ITIL & ISO 2000 Compliance
Metadata Management & Publishing
Business Reporting Data Mining HR / G/L
Business Process Management
Governance Org. Application Channels
People
Data Czar Intelligence Analytics Dashboards
Centers of
Layer Operations Finance / Risk
Layer Modeling Ops Reporting Products Marketing
Governance
Excellence
Onshore/Offshore
Cubes
Data DW Flat SAS ODS
Marts
Data Files ODS ODS
Technology
Disaster Recovery Aggregation Reference Hubs
Security & Storage Un
Archive
Atomic Level
Structured Data Storage Client Prod. Market
Optimization
Service Levels
Performance Levels Unstructured Structured
Data Mapping and Transport
Data Extract / Real-Time Data & Message Enterprise Information
Transform / Load (ETL) Bus (EAI) Integration (EII)
Architecture
Data
Models
Integration
Data
Standards
Data Quality
Business Rule & Consolidation Engines Metadata
Index Engines Common Business Accounting
Data Certification Unstructured Data Rules Engine Engines Others
Master Data Mgt
Meta Data Mgt
Data Operational/Transactional External Reference/Master
Acquisition Customer Geography
Technology Hardware Network Operations
Platform DBMS Platforms, Servers, Blades
Software Management

18. Next Generation Enterprise Governance
Governance Organization
Governance Council, Data Czar, SIGs, Accountability, Program Management, Funding Coordination, Business/Technology Alignment
Program Management, Funding Coordination, Project Prioritization,
Management Offshore/Onshore, SLA Management, Vendor Management
Processes Data Ownership, Standards/Architecture, Models,
Governance Data & Reporting Master Data, Meta Data, Quality/Certification
Functions Standards/Architecture, Security, Compliance, Risk Management
Technology Offshore/Onshore, Disaster Recovery, Testing, Tech Rationalization
Technology Environment People & Processes
Access User Access Methods System Access Methods Center of Access / Presentation / Delivery
Monitoring & Management
Presentation/ Competency People, Processes, Tools –
Delivery Enterprise Information Portal (EIP) SOA, Access, Portal,
Batch Real-Time
Business Activity
Business Center of Business Intelligence
Reporting, Analytics, Application Delivery Channels,
Intelligence Modeling, Data Mining, Products, Operations, Competency People, Processes, Tools –
Dashboards Layer HR, G/L, Risk, Marketing Support for Access Tools Analytics, Reporting
Layer
Data Aggregation & Storage Center of Data Layer
Data Layer Data Integration
Competency People, Processes, Tools –
ETL, Metadata, Master Data, Modeling, Storage
Data Acquisition
Center of Technology Infrastructure
Technology Infrastructure Competency People, Processes, Tools –
Optimization, Performance, SLAs, Security

19. Next Generation
Business Intelligence
• Making it a Reality
• HP’s Experience
• HP’s Experience
• HP’s Expertise
• HP’s Expertise
• HP’s Accelerators
• HP’s Accelerators

20. Sampling of HP’s Accelerators
Data Governance Strategy & Funding Data Environment
• HP IT Governance Methodology • Master Plan Methodology • Acquisition
• HP Data Governance – ETL Architecture / Design /Hub
– HP PPM tool
• Largest FSI Implementations
– Cobol conversion code
• Data Quality, HP Software • Prioritization / Budgeting – Compliant Document Capture Solution
• MDM • HP Financing options – HP Scanning
– Financial Reference Data • Onsite Outsourcing Options • Integration
– Market Data – Information Quality Methodology
– CDI, Federated data concept – Processes
– HP CDMA & data mapping – Scoring / Certification
application – Service Levels Agreements
• Program Management • Aggregation & Storage
– HP Global Methods Next Generation Data Environment
Access User Access Methods System Access Methods – Staging, Central Storage
– HP PPM
Monitoring & Management
Presentation/
Delivery Enterprise Information Portal (EIP) – Tiered / on-demand Archives
• Centers of Competency Batch Real-Time – Redaction / Masking
Business Activity
– Global Delivery Application Business
Intelligence
Reporting, Analytics,
Modeling, Data Mining,
Application Delivery Channels,
Products, Operations,
Services (GDAS Layer Dashboards Layer HR, G/L, Risk, Marketing
• Right shoring Factory Data Aggregation & Storage
Business Intelligence
Data Layer
– Global Delivery, GDAS Data Integration
Data Acquisition
Technology Infrastructure • Meta-Data Driven
• Real time analytics capability
• Reporting “Supermarkets”
Technology Infrastructure Development
•
•
Virtualization
“Data Driven” Strategies
• Cost reduction transformations • HP Global Methods for BI • Executive Dashboards, Scorecards
• Best practice collection FSI • FSI specific models
• High Performance Computing • ABC frameworks –
• Neoview BI platform audit. balance & control
• HP Software tools (test automation, demand
• ESS BI platforms mngt, operations,
project and program mngt)
• IPG capture technology • ITSM methodology and tools
• Data Center Transformation, Green IT • Process & Controls (ITIL 2000)
• HP hardware sizing labs and reference • Reference Architecture
configurations • Industry Data Models
• User Focused testing
• Performance tuning guides