Portfolio Management & Analytics Services
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1 Portfolio Management & Analytics Services The Value of Data & Analytics Driven Intelligence in Operating Socially Viable Lending Portfolios EEDE 20 th Banking Forum April 22 nd, 2015
2 Effective Data Capturing
3 We Capture Data from: 1. The Challenging Greek Macroeconomic Environment Signs of growth appear in the 2 nd Quarter of 2014 mainly due to an increase in customer spending and tourism income. This is reflected on real GDP growth and Unemployment. Forecast Forecasts illustrated in these graphs are challenged as domestic demand and private consumption are immobilized until agreement with its partner institutions is reached. Forecast Source: Forecast 3
4 We Capture Data from: 2. The Volatile Corporate Environment 37% of Companies had losses in More than 60% had significant reductions in their Financials. Over 50% of Companies saw a negative impact in their Turnover and Demand in Around 39% had decreased their investments. Source: 4
5 We Capture Data from: 3. The Shocked Household Environment 75% of households saw their income decrease Source: 2/484 eisodima dekembrios2014#επισυναπτόμενα 5
6 We Capture Data from: 4. The Daily Banking Transactions In 4Q14, there is a significant drop of Deposits 90 billion in 4Q14 are more than 90 dpds 16.5 billion in 4Q14 are Forborne Loans Source: Piraeus Bank, Alpha Bank, Eurobank, National Bank of Greece 6
7 The Analytics Intelligence Value
8 Advance Analytics Promote Business Decision Making HIGH Predict What will be my customer s/ portfolio value if I switch strategies? What is the most effective action to maximize gains? Simulation Modeling Complexity Forecast What parameters affect my Customer/ portfolio performance Today? What is likely to be my Future customer/ portfolio Performance? Understand What is my customer/ portfolio value? How does my customer/ portfolio perform? What is its best performing aspect? Why does my customer/ portfolio perform in this way? Investigate the reason of past performance Monitor what is currently happening What might And it is likely to happen Multivariate Regression & Segmentation Modeling Data Analysis & Dashboard Reporting Understand the business problem LOW Return on Investment 8
9 Data Driven Analytics Fuel change in Portfolio Management 9
10 We Secure Socially Viable Offerings Typical Bank s Retail Portfolio Delinquency Profile Performing & very Early Delinquent Customers Delinquent Customers must incentivize and reward customers Profitable: Reward, Up Sale and Refinance Forgotten: Improve offering Not take ups : Skip from Offering must help customers must not lose customers Somehow Paying: Encourage payments, Reward, Allow customized offerings Willing but Unable: Allow customized seasonal or sector related offering Unwilling Strategic Defaulters: accelerate actions let go Profitability Recoveries Marketing Promotions Restructuring effort 10
11 Advanced Analytics Experts and Machines Work Together: Τhis is Qualco s Philosophy Augmented Intelligence 11
12 Our Augmented Intelligence Offering in Banking Operations Real Time Monitoring and Recalibration ASSESS AND ANALYSE PORTFOLIO PERFORMANCE TO MAKE THE NECESSARY ADJUSTMENTS AND CORRECTIONS THAT WILL FURTHER IMPROVE RESULTS. Advanced Prediction Tools ADVANCED ANALYTICS METODOLOGIES, UTILISING CUSTOMERS PAST CREDIT BEHAVIOR AND WILLINGNESS OF PAYMENT PREDICT FUTURE CUSTOMER BEHAVIORS Tailor Made Solutions APPLY THE APPROPRIATE SOLUTION TO EACH CUSTOMER SEGMENT BY OPTIMISING PORTFOLIO MANAGEMENT OPERATIONAL MODELS THAT TAKE INTO ACCOUNT INDIVIDUAL CUSTOMER NEEDS. Dynamic Operational Segments ANALYTICS DRIVEN SEGMENTATION TOOLS ALLOW FOR EFFECTIVE TARGETING AND OPTIMISED OUTCOMES. 12
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