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CONFIDENTIALITY STATEMENT
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the information in this response shall not be disclosed outside of Client and shall not
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TABLE OF CONTENTS
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1 Executive Summary
C-BIA hereby presents Logical Data Model (LDM) for Retail Bank.
A brief overview of Bank Business and need for Business Intelligence and Data Warehouse are identified in
the Business Architecture.
BI-DW System Architecture lists the features of LDM and the components of data architecture namely
Star Schemas
Dimensions
Measures
Bus Matrix
Data Architecture contains the star schema for each subject. Dimensions & Facts in the Star Schema are
detailed out with the respective attributes and measures.
A Bus matrix identifying the common dimensions to be conformed across subjects is also detailed.
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2 Business Architecture
Overview of Business
A retail bank is a commercial institution with several branches across countries. It provides financial
services, including issuing money in the form of coins, banknotes or debit cards, receiving deposits of
money, lending money and processing transactions.
A retail bank accepts deposits from customers and in turn makes loans based on those deposits. Some
banks (called Banks of issue) issue banknotes as legal tender.
Many retail banks offer ancillary financial services to make additional profit; for example: selling insurance
products, investment products or stock broking.
A retail bank generates a profit from the differential between what level of interest it pays for deposits and
other sources of funds, and what level of interest it charges in its lending activities. This difference is
referred to as the spread between the cost of funds and the loan interest rate.
Services typically offered by banks
Although the basic type of services offered by a retail bank depends upon the type of bank and the
country, services provided usually include:
Taking deposits from their customers and issuing current and savings accounts to individuals and
businesses
Extending loans to individuals and businesses
Cashing cheques
Facilitating money transactions such as wire transfers and cashiers checks
Issuing credit cards, ATM cards, and debit cards
Storing valuables, particularly in a safe deposit box
Cashing and distributing bank rolls
Consumer & commercial financial advisory services
Need for Business Intelligence and Data Warehouse
Summary information to assess performance v/s target and benchmark
Discover low performing and high performing areas
Discover causes of low / high performance
Bringing data together for a single point of truth.
Make better decisions with timely reports and increased collaboration.
Real-time analysis of information on integrated systems.
Get instantaneous answers to those "what if" questions
Deploy analytical techniques – correlation, pareto analysis, trend analysis, distribution analysis
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4 Data Architecture
Data Architecture for the following subjects related to the operations of a Bank are defined:
o Customer Profile
o Deposits
o Loan Accounts
o Interest Income
o Corporate Services
o Treasury
o Expenses
o Profitability
o Asset Liability Management
o Human Resource
o Credit Card
o ATM
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4.1 Star Schema
Customer Profile
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Deposits
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Loan Accounts
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Corporate Services
Treasury
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Expenses
Profitability
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Human Resources
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Credit Card
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ATM
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4.2 Dimensions
Customer
Primary Key: Customer_Key
Location
Primary Key: Location_Key
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Branch Name Type
Service
Primary Key: Service_Key
Time
Primary Key: Time_Key
Deposit
Primary Key: Deposit_Key
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Loans
Primary Key: Loans_Key
Corporate Service
Primary Key: CorpService_Key
Treasury
Primary Key: Investment_Key
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Expenses
Primary Key: Expense_Key
Credit Card
Primary Key: creditcard_Key
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4.3 Measures
Customer Profile
Primary Key: custprofilefact_key
Foreign Keys: Customer_key, Location_key, Time_key, service_key, status_key, acno_key
Deposits
Primary Key: depositfact_key
Foreign Keys: Customer_key, Location_key, Time_key, deposit_key, status_key, acno_key
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Corporate Services
Primary Key: CorpServicefact_key
Foreign Keys: Customer_key, Location_key, Time_key, servicetype_key
Treasury
Primary Key: Treasuryfact_key
Foreign Keys: Time_key, Investment_key
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Foreign Currency earnings
Expense
Primary Key: Expensefact_key
Foreign Keys: Account_key, Location_key, Time_key, Expense_key
Profitability
Primary Key: profitabilityfact_key
Foreign Keys: Account_key, Location_key, Time_key, Profitability_key
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Fixed Expenses
Var. Expenses
HR
Primary Key: HRfact_key
Foreign Keys: Service_key, Location_key, Time_key, Employee_Key
ATM
Primary Key: ATMfact_key
Foreign Keys: Customer_key, Location_key, Time_key
Credit Card
Primary Key: creditcardfact_key
Foreign Keys: Customer_key, Location_key, Time_key, creditcard_Key
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Paid amount
HR
Credit Card
Deposits
Loans
Services
Expenses
Profitability
Profile
Interest
Corporate
Treasury
Income
ALM
ATM
Subjects
Dimensions
Time √ √ √ √ √ √ √ √ √ √ √ √
Customer √ √ √ √ √ √ √
Location √ √ √ √ √ √ √ √ √ √ √
Service √ √ √
Loans √ √
Deposits √
Investment √
Expenses √
Corporate √
Services
Asset √
Liability
Mgt.
Employee √
Credit Card √
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