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InformationActionPlanSummaryReport1)InformationActionPlanOverview2)TheFuture:TheCaseforChange3)StrategicApplicationProjects4)TechnologyInfrastructure&EDPOrganization5)Programmecost,resources,andmanpower6)Programme&ChangeManagement7)NextSteps1.InformationActionPlanOverviewInformationActionPlanOverviewStage2OrganizationPlanTechnologyPlanBusiness&CompetitionAssessmentITPossibilityAnalysisStage1TheInformationSystemPlanning(ISP)projectiscomplete.Wehaveidentifieda5yearapplicationstrategy(shownonnextpage)alignedwithBankX’sbusinessstrategy.Wehavealsoidentifiedthedataandtechnologyinfrastructures,projects,andscheduletocarryoutthesestrategies.

-ISPPlanningProjectWorkplan-InformationActionPlanOverviewData&ApplicationPlanInformationActionPlanProjectsandSchedulesScopeDefinition&ClassificationsCurrentSituationAssessmentITStrategyApplication,Data,andTechnicalStrategiesProductFactoryOperationsProcessingClosing&SettlementProductAdministrationCentralProcessingNavigatorDriver-Daily-MonthlyClosingLoans-B/S-P/LAccountingProductManagementCreditCardDomesticExchangeExternalDataProcessingForeignExchangeDeposits-LOGAnalysisDeferredSystemExpensesSuspense'sPayable/Receivable*Treasury*InvestmentRelationshipManagementSales&Marketing-Cust.Seg.&Selection-D.M-ConsultingSalesSupport-Customer-Products-MarketNeedsAnalysis-PlanDevelopment-SalesPromotionPlanCampaignPlanning-GISBranchOpeningCreditControl-Scoring-CreditRef.-LimitSetting&MonitoringCreditManagement-Debtorlist-LegalNotice-RecoveryTrackingDebtCollection-Account&CardusagePattern-IdentifyMerchantFraudFraudDetectionCustomerMgmt.-Attribute-Exposure/Limits-RelationshipServiceCustomerManagement-Customer-RelationshipCustomerProfitability-KBF,BOK-CheckingrealnameThirdPartyReportingofCust.Details-AutomaticAccountsTR-CreditcardPayment-ClearingCenterCut-InterestCAL-FeesCAL-Checkday-DividendCAL..etcCommonProgramInformationDeliveryRetailCustomer-Listofcreditcardusage-BalanceStatementReportingGovt./Regulatory-B/S,P/L-StatusofEDPBusinessBOKReporting-TAA-KBFTax/LoansReportingAssociatedInstitution-KFTC-CGFProvisionsExternalOrg.-FileTransferFirmBanking-Usageapproval-CheckaccidentsVisacardApproval-Exchangesofjointcardsinformation-Badtran.Corp.DataExchangeAC:AccountsAT:AccountTransferBOK:BankofKoreaCAL:CalculatingCGF:CreditGuaranteeFederalDM:DirectMarketingDP:Deposits&PaymentDW:Deposits&WithdrawlEX:ExchangeFI:FinanceIQ:InquiryKBF:KoreaBankFederalMeas:MeasurementNA:NewAccountPB:PassbookRecon:ReconciliationRL:RelationshipRM:RemittanceSeg:SegmentSum:SummarizationTAA:TaxAdministrationAgencyTR:TransferTX:TransactionUP:UpdatingPassbookWD:WithdrawlServiceDeliveryCustomer-DW-UP-ACTransferATM/CD-CashServiceCreditCard-TRService-AccountIQ.etcPhoneBanking-TRService-AccountIQ-Internet-VirtualBankHome/Firm-Open(AC,Cust)-DP(TRmoneyotherbanks)-ForeignEX/RM-OthersIQFemaleProcessingTeller/Male-Loan,Mortgage-Card,Borrowing-TradeFI-OthersIQMaleProcessingExternalProcessing-Clearsfromotherbanks-GIROTransactionProcessing-Borrowing-NationalTreasuryBOKWire-EFT/POS-SWIFTInformationFeeds-Authority-Ratios-ReportingSchedulesRegulatoryinfor.Maintenance-Geographic-Demographic-BranchattributeGIS-Limits-Dividendprice-MaturityProductsInformation-Details-Relation-ship-CredithistoryCustomerMaintenance-ExternalcreditCreditBureauHistoryDistributor-CustomerStatement-ReportConsolidationMessageWarehousingInterchangeManagement-Route-Send-Manage&RecordDistributionManagementIntegratorRisk/ReturnMaintenanceExternalInfor.ManagementJournalEntrySum&ReconFixedAssetSummarizationTransferPricingActivityMeas.Sum.CreditPerformanceSumSalesSumCustomerProductUsageSum.MarketResearchSamplingTreasuryMaintenancePerformanceTargetMaint.Int'lInvestmentMaintenance-LOGAnalysisDeferredSystem-Employees'PBMgmt.-OperatorMgmt.-On-lineAuthorizationHandling-Financial-Non-financialTransactionManagementWorkflowManagement-Logallentries-AuditTrailerJournalProcessing-Pending-RejectedTransactionHandling-ProcedureTiming-ProductProcess-ActivityWorkMeasurement-Cashin/out-TellerBal.-BranchBal.-Safety/NightdepositIntra-dayBalanceMgmt.Operation-Costsassignment-StandardCostingProfitabilityAssignmentProductivityReporting-CustomerImage-Error&Complaints-ProcessingSpeedServiceQualityManagementSales-Develop-ment-Analysis.Cost.PricingProductProfitability-Segment-Relation-ship-MarketSectorCustomerSeg.Profitability-Product-BusinessUnit-CustomerSeg.SalesPerformanceReportingCompetitive-Demogra-phic-ProductMarketResearch&AnalysisAdministrative-Recruit-Training-CareerPlanning-PaymentHumanResourcesMgmt.-Asset-InsuranceValue-Deprecia-tionInventory/FixedAssetMgmt.EISManagement&ControlInvestment-BankA/C-TrustA/CTreasuryManagement-SyndicatedLoan-Securities-MoneyMarketInt'lInvestmentManagementEletronicOfficeFinancial-TransferRate-ExchangeRate-B/S,P/L-BudgetFinancial&Mgmt.Accounting-Costs-Revenues-Profitabi-lityFinancialBudgeting&Forecasting-Analysis.Liquidity.InterestRate.FXRate.DurationALM-Credit-InterestRate-FxRate-LiquidityRisk/ReturnManagement-Branch/costcenterBusinessUnitProfitability-Ratio.BIS.CD-Risk&ExposureRegulatory&CompliancePhase1Phase2Phase3InformationActionPlanOverviewTheISPprojectismakingfivemajorrecommendationsthatwillsignificantlychangeBankX.Thegoaloftoday’smeetingistoconfirmwithyoutherecommendationsshownbelowandtorequestyoursupportaswemoveforward.Recommendation1:Focussystemsdevelopmentonnewcustomerrelationship,profitabilitymanagement,andriskmanagementapplications.Recommendation2:Divideapplicationsintothreephases:customerrelationshipfirst,management&controlsecond,lowprioritythird.Recommendation3:SelectanadvancedUNIXtechnicalinfrastructurefornewapplications;surroundoperationalsystems.Recommendation4:ChangetheBankXEDPandbusinessorganizationstoencouragesharedplanning,design,andrelationshipbuilding.Recommendation5:Investaggressivelyoninformationsystems,technicalhardware,andtraining;limitspendingonoperationalsystems;revisitservicedelivery.InformationActionPlanOverview2.TheFuture:thecaseforchangeWhilethepastfiveyearshavebeensuccessful,BankX’sfuturelookstobeevenmorechallenging.BankXmustfindwaystogrowwithoutimpactingitshighproductivity.TheFuture:thecaseforchangeLargeSizeHighPerformanceTargetSource:InstitutionalInvestor,8/95BankXcurrentapplicationsrepresentonly38%*oftheapplicationsitwillneedtoleadinthefuture.YetatthecurrentpaceofapplicationbuildingandITexpenditure,itmaytake8-12yearstocompleteidentifiedapplications.TheFuture:thecaseforchange*BasedonapplicationsidentifiedinISPprojectFromatechnologyperspective,BankXhasnochoicebuttomoveforwardorfallbehind.Newtechnologiessuchasparallelprocessing,datawarehouse,decisionsupport,andelectronicbankingarechangingthecompetitivelandscape.TheFuture:thecaseforchangeTraditionalComputing(1960)PC(1982)ParallelComputing/DataWarehouse(1994)Client/Server(1985)RemoteComputing(1991)VirtualBanking(1998)

“Expandingthevolumeofdepositsandcustomers”“Restructuringtheinformationsystems”“Pursuingprofitorientedbusinessstrategy”“Buildingupthecustomermanagementsystem”“Establishingtheefficientloanbusinesssupportingsystems”-BusinessActivityReport1/96Butevenifthefuturelookschallenging,BankXmustmaintainitsfocusongrowth,profitability,andriskmanagement.Indeedwiththisfocus,BankXmaydomorethansurvive,itcouldflourish.TheFuture:thecaseforchange“Thetimehascomewhenyouwillhavetocompetewiththeworld’sleadingbankinginstitutions...taketheleadtosharpeninternationalcompetitiveness”-KimYoungSam,2/9/96“1)Knowourcustomerneeds2)Useinformationstrategically3)Newspecializedorganizationalstructures4)Offernewproducts5)Strengthenprofit&riskmanagement”-President3.StrategicApplicationProjectsTosupportBankX’sgrowthobjectives,werecommendfocusingITresourcesoncustomerrelationship,profitabilitymanagementandriskmanagementapplications.InformationActionPlanOverviewBusinessStrategySystemStrategyRelationshipManagementProjectsCustomermanagementSalesandmarketingCreditcontrolServiceDeliveryProjectNewchannelstrategyManagementandControlProjectsALM&riskmanagementFinancialmanagementSales&marketingmanagementProfitabilitymanagementTreasurymanagementInternationalinvestmentmanagementOthers(EDPorganizationandelectronicoffice)Recommendation1:Focussystemsdevelopmentonnewcustomerrelationship,profitabilitymanagement,andriskmanagementapplications.100%150%200%250%300%350%400%1994199619982000DepositsCustomersBranchFocusonmid-sizedcorporationsFocusonmiddle-to-upperclassindividualsSatisfybuyervalues,particularlycompetitivepriceProvidenewproductsfasterthancompetitorsDeliverspecializedproductsbycustomersegment&combinedproductsExpandbranches,ingoodpositionsinmajorKoreancitiesDiversifydeliverychannelsincludinghomebanking,firmbanking,telephonebankingEstablishinfrastructureforinternationalizationfocusedonAsiaOperationsCustomersProductsChannelsDevelopspecialists,especiallyin

CommercialandInternationalbankingEstablishefficientrisk/returnmanagementprocessApplysystemssupportandprocessimprovementstoimproveproductivityWeidentifiedanumberofkeystrategicresponsestotheexternalenvironmentofthebank,coveringCustomers,Products,ChannelsandOperations.Wehavedesignedthestrategicapplicationprojectstosupporttheseresponses.StrategicApplicationProjectsTheCustomerManagementandSales&Marketingprojectswillprovidethekeysystemstobuildrelationshipswiththetargetmid-corporatecustomersandmiddle-to-upperclassindividuals,improvesalesperformanceandproductivity,andunderstandcustomerprofitabilitybetter.RelationshipManagementProjectsMajorBusinessApplicationswillprovide:CustomermanagementCustomerservicemanagementCustomerprofitabilityanalysisCustomerinformationmanagementSalesandMarketingSalessupportNeedsanalysisCampaignplanningBranchOpeningIndividualcustomerprofitabilityinformation,enablingBankXtotakesound

creditriskandpricingdecisionsComputerizedandintegratedcustomerinformationavailablethroughoutthebank,resolvingcurrentdataintegrityproblemsPowerfulcustomerneedsanalysistool,enablingBankXtoidentifyrequirements|

forcustomersinnewsegmentssuchasmid-sizedcorporateEffectivesalestoolswhichwillenableBankXtomaintainsaleslevelsevenasas

numberofbranchesexpandsSalestoolsthatcanquicklyandeasilybeexpandedtosupportnewproductsas

theyareintroducedfollowingde-regulationAnenvironmenttostructureandplancampaignseffectivelyMoreeffectiveplacingofbranchesthroughuseofageographicinformation

systemtoplanlocationsExamplecase:BarclaysBank,UK(1992)DescriptionCombinedcustomerinformationsystemprovidescustomerinformationmanagementandsalesandmarketingsupportforallproductsThecostofthe100,000mandayprojectwasrecoveredwithin2yearsofoperationBenefitsIncreaseinsalestoindividualsthroughthebranches:exceededtargetsby400%Salesthroughdirectmarketingcampaigns(directmailandtelephone)increasedbyover50%ImprovedmoraleandsatisfactionofemployeesandbettercustomerserviceTheCreditControlprojectswillenableBankXtoexpandthenumberofcreditapplicationsprocessed,andimprovecustomerservice,whilemaintainingcontrolovercreditrisk.CreditControlCreditmanagementDebtCollectionFraudDetectionAnefficient,largelyautomated,creditcheckingfacility,whichenablesBankXto

processmorecreditapplications,fasterFastercustomerserviceandlowercoststhroughimprovementofthelending

processanduseofWorkflowtechnologyAbilitytoprovidelowerpricestoselectedcustomersbasedonimproved

profitabilityinformationandcreditinformationEfficientdebtcollectionsupport,whichenablesBankXtomaintainthecurrent

lowbadloanratioStoredandsharedcreditinformation,reducingdocumentretrievaltimeMajorBusinessApplicationswillprovide:Examplecase-BarclaysBank,UK-AutomatedCreditApplicationScoring(1995)Customer’spersonalcreditdetailsareentereddirectlyintothecomputerinthebranchThedetailsarefirstcheckedforcreditratingandthenscoredbymatchingthecustomer’spersonalandfinancialbehaviorprofileagainstotherborrowersDescriptionBenefits90%ofapplicationsforunsecuredcreditarescoredandapprovedin5minutes.AccountisthensetupandfundstransferredovernightBarclaysclaimthesystemprovidesbettercreditassessmentthanbranchstaffontheirown(loandefaultsreduced)RelationshipManagementProjectsTheNewChannelStrategyprojectwilldevelopthestrategicdirectionforuseofnewdistribution

channelsatBankX.NewChannelStrategyCustomerpreferencesurveyAnalysisofcompetitoractivityAnalysisoftechnologytrendsEconomicanalysisofcurrentchannelsRecommendedstrategicdirectionforuseofnewdistributionchannelsStrategyprojectwillprovide:ServiceDeliveryProjectsExamplecase-UKRetailBankDescriptionDevelopedananalysisofpotentialdistributionchannelsSelectedmultimediaself-servicekiosksastheareatopilotDevelopedaprototypesystemfordiscussionwithexecutives,branchstaffandcustomersBenefitsMultimediaprototypeprovedthepotentialofthenewchannelWorkingsystemdevelopedandimplementedin7brancheslastyear,toprovideselfsalesserviceforloans,depositsandinsuranceExtensivepresscoverage-freeadvertising-positionedbankasatechnologyleaderPilotsystemnowbeingrolledouttootherbranchesTheALM&RiskManagementprojectwillprovidethesystemsforBankXtomeasureandcontrolrisk.ALMandRiskManagementALMRisk/ReturnManagementPreciseinterestrateriskinformation,whichwillhelpBankXtocopewith

financialliberalizationAdvancedriskperformanceinformation,toenableBankXtooptimizerisk/return

balanceMajorBusinessApplicationswillprovide:ManagementandControlProjectsExampleCase-MajorUSInvestmentBankBank-wideriskmanagementreportsonadailyandintra-dailybasisCoveredcurrency,interestrate,equityvalueriskDescriptionBenefitsCutriskevaluationtimefrom1weekto15minutesEnableduseofsophisticatedriskmodelstoidentifyhedgingopportunitiesandlargestrisks,andevaluateriskadjustedreturnsEnabledbetterallocationoflimitedcapitalresourcesTheFinancialManagementprojectwillimprovethetimeliness,consistencyandaccuracyoffinancialreports,whilsttheSales&MarketingManagementprojectwillprovideimprovedexternalinformationonthemarketandcustomersviewsofBankX.FinancialManagementFinancial&ManagementAccountsFinancialBudgetingandForecastingRegulatoryandComplianceConsistent,accuratemanagementreportsandfinancialaccounts,reducing

timespentproducing,adjustingandagreeingreportsMajorBusinessApplicationswillprovide:ManagementandControlProjectsExampleCase-MajorUKBankDesignedandinstalledanintegratedsuiteoffinancialmanagementsystems,coveringfinancialandmanagementaccounts,

andregulatoryandcompliancereportingDescriptionBenefitsReducedtimeforproductionofmonth-endreportsfrom10daysto2daysReducedmanpowerrequiredtoproducereportsbyapproximately60%RemovedthelargenumberofinconsistencieswhichpreviouslyexistedbetweenthemanagementreportsandthefinancialaccountsImprovedtheaccuracyoffinalreportssubstantiallySales&MarketingManagementSalesperformancereportingMarketresearchandanalysisServicequalitymanagementReportingofsalesperformancebymarketsector,enablingBankXmanagementto

monitorthesalesperformancebybusinessstructureWiderangeofmarketresearchinformation,toenableBankXtoselectthemost

appropriatemarketingstrategyUnderstandingofcustomersviewofthebank,errorsandcomplaints,and

processingspeed,enablingBankXtospotproblemareasandtakeactionCustomersegmentprofitabilitymodelCalculatescustomer’scurrentandpotentialvaluetothebankbasedonfinancialbehaviourandsimilaritytoprofilesofprofitablecustomersCustomersgroupedintovalue-basedsegmentsTheProfitabilityManagementprojectwillprovidedetailed,accurateprofitabilityanalysistosupportmanagementdecisionmaking.ProfitabilityManagementMajorBusinessApplicationswillprovide:ManagementandControlProjectsProductivityreportingCustomersegmentprofitability

reportingProductprofitabilityFast,accurateprofitabilityfiguresbyproduct,makingproductdevelopment

quickerandmarketingmoreeffectiveCustomersegmentprofitabilityreporting,tosupportBankX’spenetrationof

mid-sizedcorporatesBusinessunitproductivitybythenewbusinessunitsimplementedinNovember,

enablingBankXtoidentifylowproductivityareasandtakecorrectiveactionExampleCase-MajorAustralianRetailBank(1993)DescriptionBenefitsMarketing:valuedataisusedformoreeffectivemonetaryvaluebasedsegmentationforparticularinitiatives(e.g.directmarketing)Valuedataisusedtosetpricingstrategiessuchasfeeexemptionsforvaluablecustomersandsegments,ordifferentlendingratesInthebranch,valuedataisusedfornon-pricingdecisionssuchastimespentdealingwithproblems,oroptionsandfeaturesprovidedOverall,thesystemhashelpedtore-focustheorganisationonitsmostvaluablecustomersInfo窄rmat钻ion鹿Acti朴onP敞lan圈Over叙viewAma美jor失chal赞leng伙esf讨orB岂ank头Xis抓all罪ocat涂ing栽limi况ted扰reso馅urce测s.绩Bank裙Xd肚oes机not悉have包the组cap闯ital碗or士reso咬urce访sto腾bui到lda吹lla诸ppli腾cati梦ons阳simu摄ltan贵eous虽ly.率We痕reco羞mmen鸭da奥thre传eph砌ase幼impl思emen朽tati亏onw吉ith排most羡of跨the唯appl撑icat视ion晨proj鲜ects饶in从Phas拿es1元and半2.Recommendation2:Divideprojecteffortsintothreephases:customerrelationshipfirst,management&controlsecond,lowprioritythird.Phase3Phase2Phase1QuickHitProjectsTechnologyInfrastructureBuildingProjectsHighPriorityApplProjects(RelationshipMgmt)EnhancementofExistingSystemLowPriorityApplProjectsOrganizationalChange/BPRrelatedProjectsNewOrg./BusinessProcessBasedProjectsHighPriorityApplProjects(Mgmt.&Control)ServiceDeliveryImprovementsServiceDeliveryStrategySkillDevelopmentProjectsAke秧yfa券ctor泉in拨proj怠ect跌phas席ing矮ist么heg舌oal辞ofp眨hasi晨ngh胖igh罩valu药e,l站ower全ris成kpr舱ojec斥tsi惠nth劳efi响rst优phas纺e.The虾sequ匪enci步ngf茅ort卫hem膝aste沾rsc开hedu伙lew裳asd萌eter测mine疑dus专ing自the晒prin塑cipl究esd东escr惩ibed舒abo威ve,爆and昏revi宗sed腾tos菠moot棚hre麻sour赶cer同equi刮reme乌nts迈over沸the贤thr表eep绕hase启s.4.T鹅echn怨olog盖yIn仪fras断truc定ture首and许EDP皮Org蒜.Curr挥ent集Syst弊ems,坡Inf每rast奏ruct贿ure,融EDP傻Org宁.Whi夸le浑mos密to桨ft碑he智new葵ap础pli困cat长ion袜sc测oul匠db首eb盘uil耽to镜nt雪he茫exi浅sti荣ng螺mai摧nfr叨ame肤sy宴ste斤ms,烈th鉴en瞧ew是env幼iro竖nme弊nt帽wil挥lb营em简ore律ef括fec埋tiv餐e.堤It层wi渣ll,馒ho洒wev锋er,态re府qui乞re想com怎mit秩men义tt价oE塔DP枯tra遗ini辣ng疗and醒in邮fra缘瑞str牙uct喘ure仍sp亲end饶ing绝.Tec许hno痕log终yI民nfr验ast估ruc帖tur挤eOperationalInformationSurr蒙ound跪wit晴had望vanc惹edt拣echn凡olog宰y

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