DEVELOPMENT & INTEGRATION CASE STUDIES

Analytical Banking System

The system allows the user to perform a complex analysis of the financial state of a bank and its affiliates, to plan expenses and incomes, and analyze the loan portfolio of a bank. The system has preset built-in methodologies but, in addition, the economist/Treasurer of a bank can develop his own methodologies and build his own indexes independently. The complex is a set of universal tools that facilitate the analysts to make the best use of the analytical methods and algorithms built in the modules store. These include 'Task builder', 'Index Builder', 'Report Editor' and a block of graphic analytical tools for handling input data. This means that the banking analyst does not have to keep in constant touch with programmers, and it allows him to manipulate data archives, create his own indexes and estimation coefficients, and analyze them both digitally and graphically per any desired period of time.

The user-friendly and intuitive interface and data tools make it possible even for dummies at programming languages to create an advanced analytical data storage for the whole bank.

The advantage of the system is that it is not linked to a particular trading day, it is standalone and can be applied to any date. The complex has been in commercial use at several banks of Russia since January 1996.

The Basic tools of the RABIS-ANALYTIC complex (version 2.5) are the following:

• Forming tasks for credit loan portfolio analysis.
• Tools for administering and maintaining the complex.

The RABIS-ANALYTIC system is implemented in client-server architecture. It was developed with RDBMS ORACLE7 and ORACLE Developer/2000. All the initial data are stored on the server, with the Applications Server or the client sides storing the description of calculation methods and calculation prehistories per each task. The Application Server or the software client analysis the structure of data necessary for the calculation and organizes the optimal request on the server, calculates the index and reserves the calculation results for further analysis. Such architecture can be dramatically simplified if all the calculations are effected on the server while the client is using only the "screen shots". The working experience of our local banks says we moved from the latter option to the former by increasing the data volumes, number of users and the calculation complexity. Handling several affiliates implies that all the basic calculation methods and algorithms are worked out by the economists of the bank's main office and distributed down to the affiliates. Economist of the affiliates can be authorized to correct given methods or not.

The complex gives every user his own customized information space that has its own methods, index sets, reports. The built-in import-export system permits the sharing of calculations with other users.

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