Business Intelligence in Banking

Commercial Bank Organization
- Consists of various banking segments, including:
- Consumer Banking
- Corporate Banking
- Small Business Banking
- Mortgage Banking
- Wealth Management
- 3rd Party Credit Cards

Key Questions Addressed by Enterprise BI:
- Profitability Analysis:
- Which lines of business were the most and least profitable last quarter?
- Analyze specific numbers to identify trends.
- Customer Relationship Insights:
- What percentage of consumer banking customers hold checking accounts, mortgages, and 3rd party credit cards managed by XYZ Bank?
- Investigate average profitability of top quartile customers with these products.
- Dual Customer Dynamics:
- Examine the number of small business banking customers with executives holding personal consumer banking accounts.
- Assess overall profitability of these dual customers.
- Corporate and Wealth Management Interaction:
- Analyze how many executives from corporate banking are wealth management clients.
- Compare average asset management amounts over the last three years.

Focus Areas for Departmental BI:
- Growth Metrics:
- Evaluate percentage growth in small business banking from last quarter versus the same quarter the year prior.
- Customer Profile Analysis:
- Identify characteristics of small business banking customers with multiple late loan payments in the past two years.
- Forecasting:
- Project growth in small business banking volume for the next two years, broken down by quarter to plan effectively.

Business Intelligence tools play a pivotal role in analyzing profitability, customer behaviors, and growth forecasts across different banking sectors. Understanding these insights can help in making informed decisions to enhance banking operations.