Upravljanje profitabilnošću banaka (IBM SPSS, IBM TM1)

Profitabilnost, zarada, dobit i očuvanje vrijednosti uloženog kapitala dioničara svakoj su banci primarni ciljevi poslovanja.
Direktori financija u svakom trenutku žele imati informaciju o smjeru kretanja organizacije; trenutno stanje, što će se dogoditi, kada će se dogoditi i zašto će se nešto dogoditi. Navedene informacije potrebno je imati dovoljno rano kako bi se pravovremeno reagiralo i djelovalo s ciljem ispunjavanja postavljenih ciljeva organizacije.

S Compingovim rješenjem za upravljanje profitabilnošću banaka, financijski direktori i djelatnici iz odjela kontrolinga mogu predvidjeti jaz u performansama organizacije, analizirati trenutne uvjete i moguće alternative. Na temelju dobivenih informacija omogućeno je operativno i financijsko upravljanje organizacijom kao i podešavanje i optimiziranje postignutih rezultata u odnosu na planove, ciljeve, resurse i troškove.

Implementacijom ovog rješenja nudi se mogućnost izračuna profitabilnosti na nivou partije. Podaci - pokazatelji profitabilnosti i simulacije dobivene korištenjem modela uz projektom definirane mehanizme raspodjele kao što su interne transferne cijene i sustav raspodjele troškova, služe banci za strateške odluke. Povećanje dobiti, optimiziranje profitnih centara i proizvoda te maksimiziranje cjelokupnog poslovnog odnosa sa klijentom u konačnici su rezultati uspješnog korištenja rješenja za upravljanje profitabilnošću.

Ključan dio ovog rješenja je – kalkulator profitabilnosti koji efikasno izrađuje izvješće o profitabilnosti na nivou partije. Rješenje koristi metodologiju izrade temeljenu na najboljim svjetskim praksama te se model prilagođava potrebama i pravilima banaka tijekom implementacije. U skladu sa najboljim praksama upravljačkog računovodstva i u skladu s zakonskim propisima model izračunava troškove financiranja, troškove vezane uz kreditni rizik te ne-kamatne troškove na temelju cijena operacija i/ili rasporeda po ključevima. Također, izračunava i definira razne pokazatelje profitabilnosti kao što su Net Incoime After Taxing (NIAT), Risk-Adjusted Return On Capital (RAROC), Economic Value Added (EVA).
Sve izračunate mjere agregirane su multi-dimenzionalnoj OLAP kocki kako bi se podržali visoki zahtjevi za analizom, simulacijama i izvještavanjem.

Cijela platforma Comping rješenja za upravljanje profitabilnošću banaka je integrirana i temeljena na IBM tehnologijama – SPSS model ubacuje se u TM1 za potrebe izračuna profitabilnosti → TM1 računa pokazatelje profitabilnosti → SPSS koristi pokazatelje profitabilnosti izračunate u TM1 u prediktivnim modelima za poboljšanje profitabilnosti.

Ugrađeni Comping modeli prediktivne analitike:
  • Model segmentacije klijenata
  • Prediktivni model za određivanje profitabilnih klijenata
  • Asocijativni model i analize za određivanje profitabilnih proizvoda

IBM Showcase
IBM Solutions

Overview

IBM AnalyticsLearn more
AnalyticsFueled by more types and sources of data than ever before, insight from analytics is redefining the boundaries of what???s possible for individuals, organizations and entire industries. Advances in technology, such as the increasing penetration of cloud services and the myriad of devices that comprise the Internet of Things (IoT), are generating opportunities to gain a more relevant and deeper understanding of your organization and the marketplace.
IBM CloudLearn more
IBM CloudHybrid. Open. Secure. IBM Cloud is at the nexus of dramatic innovation with mobile as the activation point, data analysis driving differentiation and security as the enabler. Discover the continuum of choices for infrastructure, platform, and services to accelerate digital business.
IBM CommerceLearn more
CommerceIt???s really about knowing your customer and showing them you???re listening, caring, adopting, anticipating, Going-the-extra-mile by doing the large-, small-, and in-between things that show you really care. Simply put, it is delivering value at speed and scale while treating customers as individuals.
IBM Global FinancingLearn more
IBM Global SoftwareIBM Global Financing helps you acquire the IT solutions that your business needs in the most cost-effective and strategic way possible. Choose from a variety of IT financing options to address your unique solution requirements and help manage your cash flow and assets.
IBM MobileFirstLearn more
MobileEfficiently build and deploy mobile apps that run smoothly on a wide variety of devices. Upgrade quickly and often. Unlock back-office capabilities to create a better front-office engagement.
IBM SecurityLearn more
AnalyticsIBM® Security solutions help detect, address, and prevent security breaches through integrated hardware and software solutions. Powered by deep analytics and trusted IBM Security expertise, our robust portfolio of comprehensive, scalable industry-leading tools delivers unparalleled security intelligence with reduced complexity and lower maintenance costs.
IBM ServicesLearn more
IBM Services IBM has a broad range of business and technology services that deliver real business results and can help connect your business's people, information and systems to create a smarter, more successful enterprise.
IBM Social and EmailLearn more
IBM Social and EmailIBM social and email solutions provide integrated business collaboration tools including file sharing, communities and team spaces, online meetings, audio and video chat, email and calendaring-delivered on premises or in the cloud to virtually any device or application.
IBM SystemsLearn more
IBM SystemsIBM Systems, Servers, and Storage are optimized and architected to maximize performance, efficiency and tuned to the task, to deliver business results in a new era of Smarter Computing.
IBM Systems MiddlewareLearn more
IBM Systems MiddlewareIBM Middleware provides an unmatched technology and expertise foundation that bridges the worlds of traditional enterprise IT and ecosystem-based innovation - helping clients unleash digital transformation without compromising security or governance.
IBM Talent ManagementLearn more
IBM Smarter WorkforceIBM® Kenexa talent management products help organizations attract and create an engaged and connected workforce to drive business outcomes. IBM® talent management products help organizations to build and maintain a Smarter Workforce by identifying and retaining top employee talent that will develop deeper client relationships while driving measurable business results.
IBM Watson Internet of ThingsLearn more
IBM Watson Internet of ThingsThe Watson Internet of Things is radically changing the way businesses operate and people interact with the physical world. As virtually everything becomes connected―from cars to crops to conveyor belts―businesses can harness the resulting data to improve virtually every aspect of what they do.
https://digitalcontentmarketing.sharedvue.net/sharedvue/iframe?sviresizer=ibm.partnerco.net&svgroup=ibm_showcase&svlang=en&svunpublished=true