kpmgHanvit Bank1Confidential to Hanvit Bank CRMS ProjectTable of Contents1Executive Summary2Introduction & Background 3Commercial CRMS “To Be” Process Model, Design Requirements & Work-Plan4Retail CRMS: Objectives, “To Be” Components, Process Improvements & Work-Plan5Commercial CRMS Process Improvements6Plan Sign-Off & Next Steps7Appendix1. 2. 3. CRMS “To-Be” , 4. CRMS : , “To-Be” , 5. CRMS 6. 7. kpmgHanvit Bank2Confidential to Hanvit Bank CRMS Project4.1 Overview of Retail CRMSnThis chapter provides a detailed description of Retail CRMS: It is divided into four sections: “To Be” Retail CRMS background Objectives of Retail CRMS Overall vision for Retail CRMS Users & functional roles & responsibilities “To Be” process functional design Retail CRMS “To Be” Process Descriptions Retail CRMS Process Improvements Retail Score Card Module “To Be” IT model & approach System architecture Application architecture Data flow architecture Retail CRMS Work planRetail CRMS: Overview4.1. CRMS 4 . * “To-Be” CRMS - CRMS - CRMS - , ,* “To-Be” - CRMS - CRMS - * “To-Be” IT - - - * CRMS kpmgHanvit Bank3Confidential to Hanvit Bank CRMS Project4.2.1 Overall Objectives of Retail CRMSnRetail loans Improve retail loan decision making & performance analysis through centralization of retail approval & development of statistical measures of retail credit qualitynCredit card Establish custom credit card approval & behavioral score card based on Hanvit Bank information & objectives Enable capability to perform independent processing & approval of credit card applications & transactionsRetail CRMS: Background4.2.1 CRMS - . - Score card - processing kpmgHanvit Bank4Confidential to Hanvit Bank CRMS Project4.2.2 More Specific Objectives of Retail CRMSnProfitabilityReduce costs through centralization & use of automated decision supportnProcess reengineeringSimplify & speed up decision process to provide competitive advantagenPortfolio managementImprove ability to measure & manage assets & credit quality & improve portfolio managementnMarketingEnable targeted marketing strategies for both external customer prospects & cross-selling to existing customersRetail CRMS: Background4.2.2 CRMS , cross-selling kpmgHanvit Bank5Confidential to Hanvit Bank CRMS Project4.2.3 Retail CRMS UsersnDirect users Branch staff Centralized loan center staff Credit card & tele-banking TeamnIndirect users Consumer Banking Business Unit Risk Management Business Unit Credit planning departmentRetail CRMS: Background4.2.3 CRMS * * loan center * * * * kpmgHanvit Bank6Confidential to Hanvit Bank CRMS Project4.2.4 Retail CRMS System ComponentsnRetail loans score cards Secured loan score cards Application score card Behavior score card Unsecured loan score cards Application score card Behavior score cardnCredit card score cards Application score card Behavior score cardnConceptual design recommendation on how to use CRMS to support marketing strategynScore card management maintenance proceduresnConceptual design recommendation for portfolio analysisRetail CRMS: Background4.2.4 CRMS Score cards - Score cards* score card* score card - Score cards* score card* score card score cards* score card* score card CRMS . Score card , kpmgHanvit Bank7Confidential to Hanvit Bank CRMS Project4.2.5 Retail CRMS BenefitsnThe overall benefits of Retail CRMS include: Better risk-reward decisions based on statistically validated measures of credit quality Faster retail loan decisions using more efficient processes Improved ability to identify & focus marketing effort on high-value customers Improved ability to develop new & more cost-effective retail channels Enhanced credibility with regulators & shareholders by establishing centralized loan center & credit scoring models as required by MOURetail CRMS: Background 4.2.5 CRMS * CRMS :- , - - - channel - MOU loan center kpmgHanvit Ban