Implementation of the CS::BI Analytical System in Bank Lviv
Since its founding in 1990, Bank Lviv has focused on providing high-quality banking services to SMEs and agricultural producers, as well as private clients in Western Ukraine.
The bank is owned by the Swiss investment fund ResponsAbility (51%) and an Icelandic private investor (49%).
JSC CB "Lviv" is recognized as one of the 20 most reliable banks in Ukraine.
The bank has become an influential player with one of the widest branch networks in the region, serving over 25,000 private and business clients. One of the bank's key competencies is facilitating financing and financial services for micro, small, and medium enterprises.
Currently, the bank serves more than 5,000 SME clients.
CHALLENGE
After successfully automating core banking processes using the CBS B2, Bank Lviv needed an effective tool for collecting, storing, and analyzing banking data, as well as generating management reports.
SOLUTION
CS company offered the CS::BI system, developed based on Oracle Business Intelligence — a platform for building analytical systems that provides quick access to necessary information and extensive business analysis capabilities. At Bank Lviv, CS::BI was launched on Oracle Standard Edition One, which is very cost-effective for smaller banks as it doesn’t require additional database licensing.
The Bank implemented the basic set of CS::BI data marts:
- “Counterparties” — analysis of indicators by counterparties, including: loan debt by currency and term (current, overdue, written-off); balances in current and deposit accounts; debit and credit turnover on accounts; information on card accounts (quantity, balances, payment amounts for the period, incoming amounts); income and expense amounts for each counterparty.
- “Accounts” — analysis of the bank’s balance sheet with details down to analytical accounts. Contains sets of indicators for analyzing opening balances, debit and credit turnover, and closing balances. All indicators are calculated separately without adjustment entries, with adjustment entries, and with annual adjustment entries.
- “Documents” — analysis of documents processed in the bank for any period, broken down by debit account, credit account, debit counterparty, credit counterparty, payment system documents, and other details.
- “Deposits” — analysis of the deposit portfolio. Contains sets of indicators for evaluating interest, balances, turnover by periods, discounts, premiums, and deposit agreement dates. There are options for analyzing the deposit portfolio as of a certain date, dynamics of deposit balances by days and months, new accounts opened during a period, and top N deposits and clients by volume of attracted funds. The data mart also allows analysis of information on counterparties’ current accounts.
- “Loan Portfolio” — analysis of the bank’s loan portfolio. The loan portfolio contains over 300 different indicators. For example, sets of indicators for evaluating debt (principal, overdue, written off against reserves), interest (current, overdue, written off), penalties, collateral, reserves, etc. Analysis of agreement parameters: dates (agreement date, active delinquency date, last delinquency date, issuance date, first and last repayment dates, and dozens of others), accounts, and more.
Moving forward, Bank Lviv plans to develop its IT infrastructure by:
- increasing the number of CS::BI data marts
- implementing the ISMA management accounting system
- implementing the “Budgeting” operational cost control subsystem
- implementing other systems to automate the bank’s operations
RESULTS
CS company successfully implemented and integrated the CS::BI analytical system with the CBS B2 in less than six months, demonstrating implementation efficiency. The system provided the bank with a powerful business analytics tool.
