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Logical Data Model for Retail Banking

September 6, 2007

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TABLE OF CONTENTS

1 Executive Summary ...............................................................................................................4

2 Business Architecture .............................................................................................................5

3 BI-DW System Architecture ....................................................................................................6

4 Data Architecture ..................................................................................................................7

4.1 Star Schema.................................................................................................................8

4.2 Dimensions ................................................................................................................ 16
4.3 Measures ................................................................................................................... 20
4.4 Bus Matrix.................................................................................................................. 24

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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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Project Retail Bank

Assembly Data Warehouse

Component Logical Data Model (LDM) Design

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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Project Retail Bank

Assembly Data Warehouse

Component Logical Data Model (LDM) Design

3 BI-DW System Architecture

Features of logical data model include:

o All entities and relationships among them
o All attributes for each entity
o The primary key for each entity
o Foreign keys (keys identifying the relationship between different entities)

Data architecture
o Star/ Snowflake Schemas
o Dimensions
o Measures
o Bus Matrix

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Project Retail Bank

Assembly Data Warehouse

Component Logical Data Model (LDM) Design

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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Asset Liability Management

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

Dimension Attribute Hierarchy

Customer Customer Type Country

Customer State
Relationship Number
City
Household Name
ZIP Code
Customer Name
Customer Type
Address
Household
City Name
State CR
Nu
ZIP m
Contact Details be
r
Age Group
Month Since Account
Opened
Month Since Account
Closed
Annual Income
Marital Status
Gender
Education
Occupation
Credit Rating

Location
Primary Key: Location_Key

Dimension Attribute Hierarchy

Location Country Country

State State
City name City
ZIP Code ZIP Code
Region Region
Zone Zone
Branch Type Branch

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Branch Name Type

Service
Primary Key: Service_Key

Dimension Attribute Hierarchy

Service Type Type

Category Category
Subcategory Subcategory
Description Description
Accounts attributes…
Loan Attributes…
Deposit attributes…
…many service specific
attributes

Time
Primary Key: Time_Key

Dimension Attribute Hierarchy

Time Fiscal Year Fiscal Year

Year Year
Quarter Quarter
Month Month
Week of month Week of month
Day Day
Hour Hour

Deposit
Primary Key: Deposit_Key

Dimension Attribute Hierarchy

Deposits Deposit Type Deposit Type

Deposit Name Deposit Name
Maturity Period
Interest Rate
Renewal Type
Penalty

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Loans
Primary Key: Loans_Key

Dimension Attribute Hierarchy

Loan Loan Type Loan Type

Loan Name Loan Name
Loan Term
Interest Rate
Pre-Payment Penalty
Repayment Periodicity
Total Duration

Corporate Service
Primary Key: CorpService_Key

Dimension Attribute Hierarchy

Corporate Service Service Type Service Type

Service Name Service Name
Service Period
Other Service Specific
attributes…

Treasury
Primary Key: Investment_Key

Dimension Attribute Hierarchy

Investment Investment Type Investment Type

Investment Name Investment Name
Investment Period
Interest Rate

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Expenses
Primary Key: Expense_Key

Dimension Attribute Hierarchy

Expense Expense Head Expense Head

Expense Type Expense Type
Expense Name Expense Name

Asset Liability management

Primary Key: Asset_Liability_Key

Dimension Attribute Hierarchy

ALM Asset Liability type Asset Liability Type

Asset Liability name Asset Liability Name
Asset Liability indicator
ALM specific attributes…

Credit Card
Primary Key: creditcard_Key

Dimension Attribute Hierarchy

Credit Card Credit Card Type Credit Card Type

Credit Card No. Credit Card No.
Issue Date
Expiry Date
Billing Cycle
Loyalty Points
Interest Rate
Credit Withdrawal Limit
Cash Withdrawal Limit

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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

Measure Calculated Measures

Customer Count Customer Turnover
Closing Balance Average Revenue per customer
Interest Payable No. of new customers acquired
No. of withdrawals Avg. No. of Transactions per customer
No. of deposits No. of Inactive Customers
No. of Transactions % Loan to Deposits
Total Deposit amount Customer profitability
Total Withdrawal amount
Total loan amount

Deposits
Primary Key: depositfact_key
Foreign Keys: Customer_key, Location_key, Time_key, deposit_key, status_key, acno_key

Measure Calculated Measures

No. of Deposits No. of Accounts
Interest Rate No. of Active Accounts
Deposit Amount – opening balance Avg. period of deposits
Deposit Amount – closing balance No. of Fixed Deposits
Transaction cost Total Deposit
Transaction charges levied Fixed deposits % to total deposits
Monthly average deposit
Avg. deposit per branch

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Loans & Interest Amount

Primary Key: loanfact_key
Foreign Keys: Customer_key, Location_key, Time_key, loantype_key, status_key, acno_key

Measure Calculated Measures

Loan Amount No. of Loan Accounts
Interest Amount Average loan amount per branch (Rs. Lakhs)
Recovered Amount Current Recovery Rate per Branch %
Loan Amount Disbursed No. of Non-Performing Assets
No. of loans Disbursed No. of Installments Due
Interest Accrued % Non-Performing Assets
Total Repayment No. of Overdue Installments
Overdue Amount
Current Balance
No. of Paid Installments

Corporate Services
Primary Key: CorpServicefact_key
Foreign Keys: Customer_key, Location_key, Time_key, servicetype_key

Measure Calculated Measures

Service Charge Avg yield per service
No. of Transactions Avg. revenue per Corporate customer
Transaction Value No. of New customers
Total Debits No. of transactions per customer
Total Credits No. of transactions per service type
Overdraft Limit % Overdraft limit utilised
Overdraft utilised

Treasury
Primary Key: Treasuryfact_key
Foreign Keys: Time_key, Investment_key

Measure Calculated Measures

Investment Amount Amount invested in market instruments (Rs. In
Lakhs)
Income earned
% Return on Investments
Period of Investment
% Foreign currency earnings

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Foreign Currency earnings

Expense
Primary Key: Expensefact_key
Foreign Keys: Account_key, Location_key, Time_key, Expense_key

Measure Calculated Measures

Variable Overheads Total Overheads (Rs. In Lakhs)
Fixed Overheads % Fixed Overheads
Expense Amount

Asset Liability Management

Primary Key: ALM_key
Foreign Keys: Location_key, Time_key,

Measure Calculated Measures

Credit Amount Credit ratio
Investment Amount Market risk
Loan Amount Liquidity risk
Total Capital Interest rate risk
Total Assets Risk-adjusted-return-on-capital (RAROC)
Total Liability Funds Transfer pricing
Credit risk Assets % of liabilities
Maturity gap
Duration gap

Profitability
Primary Key: profitabilityfact_key
Foreign Keys: Account_key, Location_key, Time_key, Profitability_key

Measure Calculated Measures

No. of Customers Total Expenses
No. of Accounts Total Income
Total Assets Return on Equity %
Total Equity Investment % of Assets
Business Income Expense % of Income
Investment Income Avg. expense per customer or /account
Interest given on deposits Gross Profit

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Fixed Expenses
Var. Expenses

HR
Primary Key: HRfact_key
Foreign Keys: Service_key, Location_key, Time_key, Employee_Key

Measure Calculated Measures

No of Customers % Transaction to total transactions in branch
No of transactions % Transaction to total customers in branch
Total value of transactions Revenue % to Total Revenue
Cost to Company (CTC) Revenue % to Employee Cost

ATM
Primary Key: ATMfact_key
Foreign Keys: Customer_key, Location_key, Time_key

Measure Calculated Measures

ATM Withdrawals Avg. transaction value
ATM Deposits % deposits to withdrawals
Transaction Charge Avg. no. of transactions
No. of ATM Withdrawals
No. of ATM Deposits

Credit Card
Primary Key: creditcardfact_key
Foreign Keys: Customer_key, Location_key, Time_key, creditcard_Key

Measure Calculated Measures

Credit Card Withdrawals Avg. transaction value
Credit Card transaction value % deposits to withdrawals
No. of cash Withdrawals Avg. no. of transactions
No. of transactions Avg. credit value
Interest Amount % overdue to total amount
Finance Charge No. of defaulters
Total Due Amount Non Performing Assets (NPA)
Minimum Due Amount

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Paid amount

4.4 Bus Matrix

Customer

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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