Banco Pastor is the oldest bank in Spain, dating back to 1776. It is also the seventh-largest Spanish bank, with nearly 600 branches in the country and offices in nine European and American cities. The bank primarily makes deposits and loans to individuals and small or midsize companies, and it offers specific services such as management of investment funds and pensions, equity accounts and consumer credit.

1. Let’s build a smarter planet Banking
Banco Pastor S.A.
A Spanish bank combines statistical and predictive
analytics with marketing campaign and dynamic
business rules software to determine what customers
want—and give it to them
Banco Pastor is the oldest bank in Spain, dating back to 1776. It is also
La Coruña, Spain the seventh-largest Spanish bank, with nearly 600 branches in the
http://www.bancopastor.es country and offices in nine European and American cities. The bank
primarily makes deposits and loans to individuals and small or midsize
companies, and it offers specific services such as management of
investment funds and pensions, equity accounts and consumer credit.
“Using IBM solutions,
we can detect customer The Opportunity
patterns based on existing Banking customers today have more options to choose from and less
loyalty to banks. This makes it challenging for banks to retain customers,
data and deliver but it also creates an opportunity to win new customers. Either way,
extremely targeted banks that prevail over the competition are those that know their
offers and promotions customers and can present them with offers and services they need,
based on their behaviors and characteristics—even as those factors
to both retain and change. Banco Pastor realized that its manual method of data analysis
attract customers.” and inflexible business rules cost it time, money and business. The bank
needed a more analytical, agile system to keep up.
What Makes It Smarter
Banco Pastor implemented statistical analysis and modeling software
that enabled the bank to turn millions of bytes of raw customer data into
valuable insight, such as desired services by customer profile, customer
risk levels and predictions of future customer behavior. The bank then
used data analysis to plan, automate and execute highly targeted
marketing campaigns designed to tailor specific offers and treatment
to individual customers and prospects based on behavior and profiles.
As a result, the bank expects to achieve a 20 percent improvement in
customer retention.
What if you could know what perks and
services your banking customers want, even
before they know?

2. Real Business Results
• Expected to improve customer retention rates by 20 percent
Solution Components • Reduced time needed to analyze customer data from weeks to hours,
• IBM® SPSS® Statistics
roughly a 95 percent improvement
• IBM SPSS Modeler
• Improved time to market with dynamic business rules and faster
• IBM Unica® Campaign
response to changing customer patterns
• IBM WebSphere® ILOG® Business
• Anticipated increasing bank revenues because of better identification
Rules for z/OS® of cross-sell and up-sell opportunities
• IBM System x®
• IBM System z® For more information
Please contact your IBM sales representative or IBM Business Partner.
Visit us at: ibm.com/banking
To learn more about Banco Pastor S.A. visit: http://www.bancopastor.es
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Produced in the United States
November 2011
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