Bankers set the task of business analysts

Overseas analysts had penetrated into all spheres of activity. Russian banks to fail to apply it only in the formation of statements, but some have come to the customer and marketing analytics. And quite a few - for use in the field of risk management. Recent regulatory trends in world market, the desire to reduce the risk of government involvement in banking capital (crisis has overemphasized this point), production of increasingly complex tasks of ensuring the return lead to cross-use of data from different analytical modules accounting systems. In practice, this means the integration, the creation of a common information base for the organization. The degree of centralization is directly related to the scale of business and market presence. Gurdjieff Constantine, Senior Advisor on Macroeconomics Economic Research Center IBM Institute of Business Value, said that Russian banks have to rethink their business models to deal with increasingly complex and changing products, services, client base. We must prepare for possible mergers, the integration of platforms, especially in the middle segment. "Banks need to understand and predict changes in demand by means of analytical studies. In this case the analyst should be integrated into operational systems as well as in strategic plans. For example, today the risks are assessed in parallel for individual customers and for special services. Should go a constant movement from one system of risk-assessment to another, then there is a need for integration. Integrated Analytics includes the planning and strategy, and budget analyst, analyst, risk management, analytics, related to internal management and external regulatory reporting. It is these features will be the basis of the competitiveness of banks in 3-5 years. This is especially true for diversified banks - Constantine predicted Gurdjieff. - The margin will not be supported due to the growth of services (this is pre-crisis system), and by better defining customer requirements and systematically reducing the value of their service. " In his view, the banking sector will shift from engineering to the engineering of derivatives risk management systems, both for clients and in their own operations. The current model of risk management is able to cover only the dynamic risks, ie risks that develop over time. But some rice-ki are interlinked, correlative in nature. Therefore, a granulation of data: the higher the level of the database, we can get, the better. However, these problems are far from the Russian banking sector. Vice-President of the Investment Trade Bank Vetrova Alina noticed that the view of western analysts to the Russian banking system and its key challenges is very interesting. "But we, in our own varyas boiler, with global instability, not quite sure what will happen tomorrow - said Alina wind energy. - Yes, to retain the customer base necessary to focus more on customer intelligence, but is not sure that many of us have grown to such a degree of detail as the detailed risk assessment for each client. " The head of the expert group of banking technologies Maxim Volkov Sat bank said, as in the construction of assessing the significance of individual client organizations for leadership Sat Bank concluded that the data in one branch does not allow us to calculate an objective assessment. It is therefore necessary to combine information, to provide data in a single information field. "When we started to address this problem, we realized that we needed to include in a single information field is not only the data center and branch CRM, but also three other accounting areas - developed the idea of ​​Maxim Volkov. - As a result, our employees at all levels to make coordinated decisions. Previously, for example, management's decision not fast enough broadcast performers, and all were unhappy - managers, artists, clients. This is wrong. " Now the bank, thanks to the centralization of information, may open an additional office without a leader. "The system allows employees to organize their working hours, assess their condition in comparison with other employees, managers control the directions of all the processes", - he said. The new system is a qualitative assessment of the importance of customer brought together information about unannounced groups. "When a client relationship with the voice of the company - is one thing. And when we ourselves can identify a number of related clients, working with our bank, we can take tactical steps and better assess their own risks, "- concludes Maxim Volkov. In the course of the discussion, participants noted that the legislative and regulatory initiatives also contribute to the improvement of analytical approaches. "He started to act a law on personal data protection. And once the question arose: Where else can you use the data if we are to protect and process? This message, will certainly do a great impetus to the use of personal data, including risk assessment for private clients, "- gave an example of Maxim Volkov. According to Vice President in charge of Strategic Analysis and Planning Andrew Oberemko Citibank, risk assessment, corporate client on a personal level, a long time ago. Considered and risk at the company level, and the value of the company. Banks only need to come to assume the risk at the level of retail customers. "We are gathered here quite a lot, and we all try to work with the same clients - says Andrey Oberemok. - For example, Bank A does not consider the risk of customers, and bank B finds. Then there are the best customers will soon be in the bank A ". It all boils down to is the need to implement an integrated analytics. It is therefore essential initially correct approach to the construction of analytical systems. There are three options: to create a single data repository, decentralization, and one of the latest developments in the world - outsourcing. Russian banks in the country for the Conservatives. Vasily Kuzmin, Head of the "Banking Reporting" company "Neoflex" I am sure that Russian banks today are sharper sounds the theme of the automation business intelligence. And if three or four years ago, demand for business intelligence is reduced to obtaining various types of management reports, now relevant more sophisticated analytic applications that solve the problem of financial planning and budgeting process, the formation of customer analytics, asset and liability management, risk management and others. For them, management reporting - this is the original information. However, the success of their implementation and effective use of problem solving is necessary to clean up bank details and their consolidation. To the fore the question of constructing a single enterprise data warehouse bank, which is a universal source of information for all business intelligence applications. At the same time with the increasing complexity and diversity objectives of business intelligence requirements increase the level of knowledge of analysts engaged in building a data warehouse. Moreover, these requirements apply to specialists as the bank itself, and the contractor called to work. Way of the introduction of BI systems over a single data repository, according to Vasily Kuzmin, is most effective for the banks. However, the project to create the store was successful, it is necessary to comply with a number of conditions. These conditions are illustrated by the projects carried out by "Neoflex" for Russian and foreign banks. Among such conditions the presence of a bank-developed methodology for management accounting and planning, a willingness to develop and refine the bank's methodology, extensive experience in vendor reconciliation and enrichment of data record-keeping systems coming into the store. In addition, it is the quality of the data model repository, the organization of testing repository based on real data, as well as the development of the regulations of the store after its launch into operation. According to the Head of PES bank "Agropromcredit" Shamil Kashafetdinova, deploy such a system makes sense for a certain number of customers. A small private bank also requires a system of business intelligence, but to deploy it in phases, taking into account the limited budget and limited technical capacity. The main thing - do not stop. Director of Planning and Economic Department, Bank of Russia, Ilya Pomigalov found the solution proposed by "Neoefleksom," one of the most beautiful to date in Russia. And one of the most expensive. In the conversation about the ratio of price - quality of Head of customer information and business intelligence Finance Department VTB24 Oleg Amur shared experience of assessing the effectiveness of implementing a data warehouse. "Direct impact - the possibility of segmenting customers according to the criteria for the formation of these targeted offers them for sale. In addition, based on a single centralized repository was possible to form a reporting unit to the main office, and for the territorial divisions, - says Oleg Amur. - Reduce efforts of analysts. According to our estimates, the investment in building infrastructure, storage paid off for the year of its use. " The implementation project repository to the point where it became possible to use, lasted 3 years, the system is constantly evolving. Head of Financial and Economic Department, Bank of "Discovery" Sergey Naidenov said that the economic efficiency of the use of business intelligence - is not only money but also speed. "For us the main result - the speed of preparation of management information. Our bank is in the top 30 largest Russian banks, according to CB, in 2010, we completed the consolidation of the three banks this year joined by another bank - "Provincial." Our main requirement for a single repository of data - as quickly as a superstructure over the accounting system. In "open" set ABS (automated banking system), and the transition from managerial accounting reports to the main problem is lack of resources ", - Sergey Naidenov shared with the audience. Deputy Director, Department of Information Technology Absolut Bank Igor Ilyin said that the bank uses "the concept of information layers" of the group KBC, which includes the bank. "Initially, it seems that the model is overloaded, the data is duplicated. But if you look closely, this is one of the most ideal solutions. Implement all the tasks in a single repository is very difficult and sometimes impossible, "- said Igor Ilyin. At the same time Absolut Bank has already passed the way a central repository, but the new model was better. "The bottom line is that the stores could be any number, each store based on the methodology of customer (individual units). For example, in the information layer "Credit" information is stored only on loans, there are no data on customers, postings, and more. The peculiarity of the approach is that any information from transactional systems comes only once and goes to some store, but then can "spawn" many times as desired. Customers repositories themselves agree with each other, to whom what data, conclude SLA », - said Igor Ilyin. Operating Officer of Retail Banking of HSBC Artem Grigoryan shared experience of an international institution, which operates in countries where regulators have already begun to impose stricter requirements on banks. "We constantly optimize their systems for compliance with the requirements of regulators and the market. This process takes place both in terms of individual markets, as well as at group level as a whole is particularly difficult to consolidate a system of several countries. " Head of Modelling and implementation of strategy, management, marketing strategy and client relations Raffayzenbanka Sergei Bagno told that they have established their own decisions based on the methodology of SAS, a centralized repository. "We are trying to" suck "in it much information as possible, then consider and, if aware that some layers of data, we are not interested, they cross out - he said the problem of excessive accumulation of unused information. - Storage is inflated, but to a reasonable level. " Alexander Bobrov, head of the evaluation units of the Moscow Credit Bank, presented the problem of data quality. "We have a warehouse, all tables are formed in it. But the calculations in Excel there is a lot of errors. We are trying to organize a procedure so that the escape of Excel », - he said. Head of Department reporting Credit Bank of Moscow, Anton Balagan an example of a fast-growing bank showed that the implementation of all four phases listed Vasily Kuzmin, limited by the scarcity of resources. "We have a system of quality control data, data models for some bases, in particular, for analytic warehouse - he said. - But not always successfully build specification and functional requirements in order to implement all the time. But the management decisions we made quickly, and therefore the implementation must also be fast. Maybe for the big banks, which in agreement-making takes more time, no such problems. But we have no particular time for a business analyst and IT-specialist must connect directly to the process. " Dmitry Savoschenko, CFO-Soviet commercial banks, said his organization has built a data warehouse and a half years: "In determining the structure of the future information system, its hierarchy, power and cost in the first place to start from the purpose for which such data warehouse is implemented. Sovkombank in 2007, actively entered the market of unsecured consumer loans, so the primary purpose for us was to create a system essential to the development scorecard, to reduce credit risks for our products. In the evolution of data storage systems to scale to a functional that solves the problem not only improve the quality of risk management, and development of new products, optimize the cost effectiveness of marketing communications, localization of certain client groups. Now our information system allows you to create an accurate and thorough picture of our client, almost the color of his hair. We actively use the data warehouse to create loan products. For example, our unique loan designed for seniors, including, and based on analysis of customer base through a data warehouse. " Andrey Khokhlov, Director of Finance Department Binbanka, considered one of the important aspects of existence understanding of the objectives and tasks of management reporting and as a consequence, the data store: "It is essential that business customers have a clear understanding of what they want to see what data they need, and want the problem has been properly and correctly set before the IT-department of the bank. In the end, business units need the outcome, and how it is achieved - at a central location or a multi-layer, - end-users is not important, it is more IT-issues: architecture and construction of the repository. " Margaret Kondidi, Director of Retail Business Transportation Bank, expressed the view of a small bank on the need to implement BI systems. "We are still in the area of ​​an Excel spreadsheet and the only approach to the problem of creating such a repository. We are actively developing retail lending, is relevant to our assessment of risks. But since our resources are limited, our goal is to reduce the cost of customer acquisition. Cross-selling is just to help solve both problems, so I'm sure that sooner or later we arrive at the client analyst "- she said. Head of Department of Business Analysis Home Credit Bank told Natalia Barykina on experience with storage for building low-cost solutions: "We have already implemented a few quick and cheap" pilots. " We have a complex IT-infrastructure, for the problems we are using a release pattern that is the problem limited in time. This is a convenient mechanism for evaluating the "pilots" - any new specific products. " Oleg Anisimov, vice-president of the bank "Tinkoff Credit Systems", noted that in the coming years in the Russian banking system will move to pricing based on evaluation of rice-ing, which requires very precise and qualitatively examine client. Overseas analysts had penetrated into all spheres of activity. Russian banks to fail to apply it only in the formation of statements, but some have come to the customer and marketing analytics. And quite a few - for use in the field of risk management. Recent regulatory trends in world market, the desire to reduce the risk of government involvement in banking capital (crisis has overemphasized this point), production of increasingly complex tasks of ensuring the return lead to cross-use of data from different analytical modules accounting systems. In practice, this means the integration, the creation of a common information base for the organization. The degree of centralization is directly related to the scale of business and market presence. Gurdjieff Constantine, Senior Advisor on Macroeconomics Economic Research Center IBM Institute of Business Value, said that Russian banks have to rethink their business models to deal with increasingly complex and changing products, services, client base. We must prepare for possible mergers, the integration of platforms, especially in the middle segment. "Banks need to understand and predict changes in demand by means of analytical studies. In this case the analyst should be integrated into operational systems as well as in strategic plans. For example, today the risks are assessed in parallel for individual customers and for special services. Should go a constant movement from one system of risk-assessment to another, then there is a need for integration. Integrated Analytics includes the planning and strategy, and budget analyst, analyst, risk management, analytics, related to internal management and external regulatory reporting. It is these features will be the basis of the competitiveness of banks in 3-5 years. This is especially true for diversified banks - Constantine predicted Gurdjieff. - The margin will not be supported due to the growth of services (this is pre-crisis system), and by better defining customer requirements and systematically reducing the value of their service. " In his view, the banking sector will shift from engineering to the engineering of derivatives risk management systems, both for clients and in their own operations. The current model of risk management is able to cover only the dynamic risks, ie risks that develop over time. But some rice-ki are interlinked, correlative in nature. Therefore, a granulation of data: the higher the level of the database, we can get, the better. However, these problems are far from the Russian banking sector. Vice-President of the Investment Trade Bank Vetrova Alina noticed that the view of western analysts to the Russian banking system and its key challenges is very interesting. "But we, in our own varyas boiler, with global instability, not quite sure what will happen tomorrow - said Alina wind energy. - Yes, to retain the customer base necessary to focus more on customer intelligence, but is not sure that many of us have grown to such a degree of detail as the detailed risk assessment for each client. " The head of the expert group of banking technologies Maxim Volkov Sat bank said, as in the construction of assessing the significance of individual client organizations for leadership Sat Bank concluded that the data in one branch does not allow us to calculate an objective assessment. It is therefore necessary to combine information, to provide data in a single information field. "When we started to address this problem, we realized that we needed to include in a single information field is not only the data center and branch CRM, but also three other accounting areas - developed the idea of ​​Maxim Volkov. - As a result, our employees at all levels to make coordinated decisions. Previously, for example, management's decision not fast enough broadcast performers, and all were unhappy - managers, artists, clients. This is wrong. " Now the bank, thanks to the centralization of information, may open an additional office without a leader. "The system allows employees to organize their working hours, assess their condition in comparison with other employees, managers control the directions of all the processes", - he said. The new system is a qualitative assessment of the importance of customer brought together information about unannounced groups. "When a client relationship with the voice of the company - is one thing. And when we ourselves can identify a number of related clients, working with our bank, we can take tactical steps and better assess their own risks, "- concludes Maxim Volkov. In the course of the discussion, participants noted that the legislative and regulatory initiatives also contribute to the improvement of analytical approaches. "He started to act a law on personal data protection.

And once the question arose: Where else can you use the data if we are to protect and process? This message, will certainly do a great impetus to the use of personal data, including risk assessment for private clients, "- gave an example of Maxim Volkov. According to Vice President in charge of Strategic Analysis and Planning Andrew Oberemko Citibank, risk assessment, corporate client on a personal level, a long time ago. Considered and risk at the company level, and the value of the company. Banks only need to come to assume the risk at the level of retail customers. "We are gathered here quite a lot, and we all try to work with the same clients - says Andrey Oberemok. - For example, Bank A does not consider the risk of customers, and bank B finds. Then there are the best customers will soon be in the bank A ". It all boils down to is the need to implement an integrated analytics. It is therefore essential initially correct approach to the construction of analytical systems. There are three options: to create a single data repository, decentralization, and one of the latest developments in the world - outsourcing. Russian banks in the country for the Conservatives. Vasily Kuzmin, Head of the "Banking Reporting" company "Neoflex" I am sure that Russian banks today are sharper sounds the theme of the automation business intelligence. And if three or four years ago, demand for business intelligence is reduced to obtaining various types of management reports, now relevant more sophisticated analytic applications that solve the problem of financial planning and budgeting process, the formation of customer analytics, asset and liability management, risk management and others. <<>> For them, management reporting - this is the original information. However, the success of their implementation and effective use of problem solving is necessary to clean up bank details and their consolidation. To the fore the question of constructing a single enterprise data warehouse bank, which is a universal source of information for all business intelligence applications. At the same time with the increasing complexity and diversity objectives of business intelligence requirements increase the level of knowledge of analysts engaged in building a data warehouse. Moreover, these requirements apply to specialists as the bank itself, and the contractor called to work. Way of the introduction of BI systems over a single data repository, according to Vasily Kuzmin, is most effective for the banks. However, the project to create the store was successful, it is necessary to comply with a number of conditions. These conditions are illustrated by the projects carried out by "Neoflex" for Russian and foreign banks. Among such conditions the presence of a bank-developed methodology for management accounting and planning, a willingness to develop and refine the bank's methodology, extensive experience in vendor reconciliation and enrichment of data record-keeping systems coming into the store. In addition, it is the quality of the data model repository, the organization of testing repository based on real data, as well as the development of the regulations of the store after its launch into operation. According to the Head of PES bank "Agropromcredit" Shamil Kashafetdinova, deploy such a system makes sense for a certain number of customers. <<>> A small private bank also requires a system of business intelligence, but to deploy it in phases, taking into account the limited budget and limited technical capacity. The main thing - do not stop. Director of Planning and Economic Department, Bank of Russia, Ilya Pomigalov found the solution proposed by "Neoefleksom," one of the most beautiful to date in Russia. And one of the most expensive. In the conversation about the ratio of price - quality of Head of customer information and business intelligence Finance Department VTB24 Oleg Amur shared experience of assessing the effectiveness of implementing a data warehouse. "Direct impact - the possibility of segmenting customers according to the criteria for the formation of these targeted offers them for sale. In addition, based on a single centralized repository was possible to form a reporting unit to the main office, and for the territorial divisions, - says Oleg Amur. - Reduce efforts of analysts. According to our estimates, the investment in building infrastructure, storage paid off for the year of its use. " The implementation project repository to the point where it became possible to use, lasted 3 years, the system is constantly evolving. Head of Financial and Economic Department, Bank of "Discovery" Sergey Naidenov said that the economic efficiency of the use of business intelligence - is not only money but also speed. "For us the main result - the speed of preparation of management information. Our bank is in the top 30 largest Russian banks, according to CB, in 2010, we completed the consolidation of the three banks this year joined by another bank - "Provincial." <<>> Our main requirement for a single repository of data - as quickly as a superstructure over the accounting system. In "open" set ABS (automated banking system), and the transition from managerial accounting reports to the main problem is lack of resources ", - Sergey Naidenov shared with the audience. Deputy Director, Department of Information Technology Absolut Bank Igor Ilyin said that the bank uses "the concept of information layers" of the group KBC, which includes the bank. "Initially, it seems that the model is overloaded, the data is duplicated. But if you look closely, this is one of the most ideal solutions. Implement all the tasks in a single repository is very difficult and sometimes impossible, "- said Igor Ilyin. At the same time Absolut Bank has already passed the way a central repository, but the new model was better. "The bottom line is that the stores could be any number, each store based on the methodology of customer (individual units). For example, in the information layer "Credit" information is stored only on loans, there are no data on customers, postings, and more. The peculiarity of the approach is that any information from transactional systems comes only once and goes to some store, but then can "spawn" many times as desired. Customers repositories themselves agree with each other, to whom what data, conclude SLA », - said Igor Ilyin. Operating Officer of Retail Banking of HSBC Artem Grigoryan shared experience of an international institution, which operates in countries where regulators have already begun to impose stricter requirements on banks. "We constantly optimize their systems for compliance with the requirements of regulators and the market. <<>> This process takes place both in terms of individual markets, as well as at group level as a whole is particularly difficult to consolidate a system of several countries. " Head of Modelling and implementation of strategy, management, marketing strategy and client relations Raffayzenbanka Sergei Bagno told that they have established their own decisions based on the methodology of SAS, a centralized repository. "We are trying to" suck "in it much information as possible, then consider and, if aware that some layers of data, we are not interested, they cross out - he said the problem of excessive accumulation of unused information. - Storage is inflated, but to a reasonable level. " Alexander Bobrov, head of the evaluation units of the Moscow Credit Bank, presented the problem of data quality. "We have a warehouse, all tables are formed in it. But the calculations in Excel there is a lot of errors. We are trying to organize a procedure so that the escape of Excel », - he said. Head of Department reporting Credit Bank of Moscow, Anton Balagan an example of a fast-growing bank showed that the implementation of all four phases listed Vasily Kuzmin, limited by the scarcity of resources. "We have a system of quality control data, data models for some bases, in particular, for analytic warehouse - he said. - But not always successfully build specification and functional requirements in order to implement all the time. <<>> But the management decisions we made quickly, and therefore the implementation must also be fast. Maybe for the big banks, which in agreement-making takes more time, no such problems. But we have no particular time for a business analyst and IT-specialist must connect directly to the process. " Dmitry Savoschenko, CFO-Soviet commercial banks, said his organization has built a data warehouse and a half years: "In determining the structure of the future information system, its hierarchy, power and cost in the first place to start from the purpose for which such data warehouse is implemented. Sovkombank in 2007, actively entered the market of unsecured consumer loans, so the primary purpose for us was to create a system essential to the development scorecard, to reduce credit risks for our products. In the evolution of data storage systems to scale to a functional that solves the problem not only improve the quality of risk management, and development of new products, optimize the cost effectiveness of marketing communications, localization of certain client groups. Now our information system allows you to create an accurate and thorough picture of our client, almost the color of his hair. We actively use the data warehouse to create loan products. For example, our unique loan designed for seniors, including, and based on analysis of customer base through a data warehouse. " <<>> Andrey Khokhlov, Director of Finance Department Binbanka, considered one of the important aspects of existence understanding of the objectives and tasks of management reporting and as a consequence, the data store: "It is essential that business customers have a clear understanding of what they want to see what data they need, and want the problem has been properly and correctly set before the IT-department of the bank. In the end, business units need the outcome, and how it is achieved - at a central location or a multi-layer, - end-users is not important, it is more IT-issues: architecture and construction of the repository. " Margaret Kondidi, Director of Retail Business Transportation Bank, expressed the view of a small bank on the need to implement BI systems. "We are still in the area of ​​an Excel spreadsheet and the only approach to the problem of creating such a repository. We are actively developing retail lending, is relevant to our assessment of risks. But since our resources are limited, our goal is to reduce the cost of customer acquisition. Cross-selling is just to help solve both problems, so I'm sure that sooner or later we arrive at the client analyst "- she said. Head of Department of Business Analysis Home Credit Bank told Natalia Barykina on experience with storage for building low-cost solutions: "We have already implemented a few quick and cheap" pilots. " We have a complex IT-infrastructure, for the problems we are using a release pattern that is the problem limited in time. <<>> This is a convenient mechanism for evaluating the "pilots" - any new specific products. " Oleg Anisimov, vice-president of the bank "Tinkoff Credit Systems", noted that in the coming years in the Russian banking system will move to pricing based on evaluation of rice-ing, which requires very precise and qualitatively examine client. Both potential and existing. "If we're talking about a potential client, you should immediately offer him an adequate plan that is consistent with its level of risk, to predict his team for this risk and, therefore, offer the right product, - says Oleg Anisimov. - At the same time, we must analyze the behavior of an existing client, the transitions in time to offer him a more pleasant for him subscriptions. We adhere to the Information Based Strategy, that is, a strategy based on the information. " For example, "Tinkoff Credit Systems" offers for credit cards (together with social network "Classmates") four tariff plans. The risk assessment is carried out by different factors, some information is detached from the accounts. Behavior in a social network says a lot about the nature of the client and can be taken into account when assessing risk. For example, if a person is a lot of friends in "Classmates" and not bots, then it probably is not a crook. Eugene Senner, head of development management of information technology Smolensky Bank, combines the work of business analysts and IT-specialist. "I came across distributed systems. <<>> Their main disadvantage compared to the uniform - the quality of the whole system is determined by the lowest quality of individual nodes. Accordingly, the reliability of the information you receive in an integrated system will depend on a particular node. Small factor could affect the large result, the risk of uncertainty is very high, "- he argues. Head of department of IT-projects of the bank "UniCredit" Alex Malyshkin believes that decentralized storage is best suited to solve real problems. "It's all the same system for decision making, not to store information. This is not a trash can, where we all add up, sometimes something scraped out, scrub, add, shift in wardrobes. We use these when making decisions. In principle, we are talking about the management system. Now imagine that your organization's business in different directions. You can combine this information to the information capacity of one to solve various information tasks that are in front of you? We then say that we are no longer aims to move, and move for some vectors, lines: retail banking, lending. Each different customers, so everyone needs a specialized data warehouse, selected by specific criteria. Of course, the data is difficult, but can be combined, but then the depth of the project is increasing dramatically. They say that time is growing and the value of the information that is available in a single repository. But often the goal that you have formulated a 5-year, six months later invalidated. <<>> Any decision support system should be calculated for the year. Then we need to move on. Vadim leaving, head of financial control of Swedbank, said that the introduction of any data storage need two things: the desire of management to implement and the critical mass of the bank. "For our local purposes perfectly Excel and Axcess. In principle, the problem of relaying data to the different layers is always there. No matter how the database was built, still has bugs. For example, the Swedes engaged in this whole department, who sits and watches the scene, ruled an error, "- says Vadim leaving. Ignatiev Leonid, managing director of management analysis of financial markets NB "Trust", said the bank for several years to create and improve, and now successfully functioning system to process a large amount of quantitative data in separate segments: the money market, interest rates, bonds, credit ratings. Customer and the creator of the system is a direct analytical directorate itself. A key requirement of the system and data warehouse has become the most open and simple system output and analyze market data for a wide range of users, far beyond the scope of the administration and even the bank. The system was a trade name and now includes a family of nearly 10 unique products. The number of users processing market and financial data over a thousand people. Head of Data Center Management and Systems Integration DIT RRDB Valentin Osipov said that the concept of a data warehouse has expanded beyond the individual database solutions for local problems of a particular bank.