This document provides an overview of QlikView software for risk management and customer intelligence applications in the financial services industry. It begins with an agenda and introduces QlikView's capabilities for risk/fraud analysis and customer intelligence. It then presents several case studies of banks and financial institutions using QlikView for tasks like risk monitoring, fraud investigation, customer targeting, and transaction analysis. Screenshots of sample QlikView applications are shown. The document concludes by discussing QlikView's uniqueness and advantages over traditional business intelligence tools.

1. QlikView for
Risk and Customer Intelligence
Mehul Desai, Director - Sales
April 2013

2. Agenda
• Introductions
• QlikView for Risk / Fraud / Crimes
• QlikView for Customer Intelligence
• Customer Examples / Screenshots
• Next steps

3. In the current Financial Crisis, effective business analytics can
have a significant impact on your viability and bottom line
Industry challenge:

4. Typical BI approach in FS organizations
Pushing Static Reports in Silos
Hundreds of SQL Queries, Access db’s, other stand-alone entry points

5. Business Discovery
Enables Both Agility and Governance
• Self Service
• Visual dashboards
• Associative search
• Interactive analytics
• Any device
• Assemble and
prepare data
• Deliver relevant data
• Ensure security
and scalability
• Enforce standards
BUSINESS USERS
MOVE FAST
IT RETAINS CONTROL
OVER DATA
DEVELOPERS
ARE AGILE
• Rapid development cycles
• Quick turn around
• Leverage global standards
and best practices

6. True self-service BI that empowers business users

7. QlikView sweet spots in Analytics
• Visualization: Spot trends/patterns/outliers through intuitive UI
• Discovery: Explore/analyze/modify analysis by Business users
• Data aggregation: Leverage in memory storage and compression to pull
together large volumes of multiple disparate sources at low levels of detail
• Search: Locate data in structured and unstructured fields
• Association: Find data relationships through built in association logic
• Rapid Apps: Spin up custom ‘1-off’ apps quickly for custom questions
• Scoring: Apply mathematical calculation logic to score fraud / Sentiment
propensity
• Drill down: Identify trouble spots and drill down to transaction level details
• Mobile consumption: Deploy content to iPads, iPhones, Android, etc
• Reporting: Build simple or complex, interactive reports

8. QlikView Case Studies
in Fraud / Risk Management

9. QlikView for Fraud and Risk Analytics
Experience and Customer Use Cases
Dashboard
Analysis
Operational Risk
• Internal / External Events
• External Loss Events
• Risk Control Self Assessments (RCSA)
• Advanced Measurement Approach (AMA)
• Data Quality and Controls
Market Risk
• Trade book performance and what -if:
- Equity Performance
- Interest Rates and FX Rates
- Commodity Prices
• Portfolio VaR, Stressed VaR
Liquidity Risk
• Intraday Liquidity Snapshot/trend
• Limit Management
• Idiosyncratic Survival
• Cash Flow Events
• Liquid vs Illiquid Products
Counterparty Risk
• Counterparty Performance Trends
• Risk calculation / Simulation integration:
- Credit Valuation Adjustment (CVA)
- Right way / Wrong way Risk Analysis
- Risk Correlation
Enterprise Risk Management
• Economic and Regulatory Capital
• Risk & Exposure Analysis
- Credit, Operational , Market, Liquidity
- Regulator and Board ad-hoc requests
• Executive Risk Dashboards / Scorecards
Fraud and Anti-Money Laundering
• Fraud Detection and Investigation
• Suspicious Activities / Transactions
• Watch List and Case Management
• Transactional Pattern Analysis
• Social Profiling
Credit Risk
• Mortgage and Loan Production
• Delinquencies and Charge-offs
• Transaction Activity Analysis
- Deposits and withdrawals
- Payments and collections
Regulatory Compliance
• Basel II/III (Banking)
• Solvency II (Insurance)
• Know Your Customer (KYC)
• Treating Customers Fairly (TCF)
• Sarbanes Oxley (SOX)

10. ABN Amro - Bank Neuflize OBC
Risk Management and Compliance
Challenges
• Build a centralized, cross-entity operational risk monitoring
system for the bank’s controllers, analysts and executives
• Provide reliable, real-time tracking of processes across
thousands of operational control points
Solution
Deployed QlikView to central risk control organization for:
• Global Operational Risk Monitoring and Fraud Investigation
• Centralized, real-time monitoring across1700 checkpoints,
over 8000 instances, and 5M monthly transactions
• Allowed team to compare and combine from different sources
and standpoints to understand activity and pinpoint areas of
concern
Results
• Reduced operational risk by allowing investigation down to
the transaction level, to uncover underlying drivers
• Empowered business users with risk discovery and self
service analysis capabilities
Reduced operational risk by allowing investigation
down to the transaction level
Eliminated 120 days of reporting overhead per
month for team of 20 controllers (4 days / month)

11. Case Study – ”Hundreds of QlikView apps”
Top 10 Global Bank
80% reduction in cost per question
2m+ ROI on specific projects (their quoted total)
Challenges
• Improve visibility into performance across the firm, including
retail bank, investment bank, compliance, fraud, and
operational areas
• Reduce manual data consolidation and analysis backlogs for
multiple decision support and operational reporting groups
Solution
100’s of QlikView apps deployed QlikView to 3000+ users
enterprise-wide for example:
• Basel III Risk Management (Credit/Market/Liquidity, etc)
• Compliance and Anti Money Laundering Investigation
• Retail Bank Sales, Marketing and Branch Performance
• Security and Investigative Services (fraud)
• Operational Efficiency, Expense Management, Physical Asset Utilization
• Investment Bank Trade Activity
• Fixed Income Sales Analysis
Results
• Created a new capability for business user information
discovery to support innovation
• Provided ability to get answers to questions that were not even
possible to ask with legacy BI and reporting tools
• Some apps with 2300+ million rows of data

12. Standard Bank
• Region: UK & Africa – 27 Countries
• Line of business: Retail and Investment Banking.
• Size of deployment : 1000+ users.
• Risk Disciplines: Credit, Market, Operational.
• Challenges:
– Multiple source systems.
– High volumes of data.
– Risk managers only had a 30 day
view of risk.
– Stress tests took weeks.
– Highly distributed team.
– Siloed view of risk.
– Lack of agility in the front office.
– Poor data networks in Africa.
• Business Value Delivered:
– Consolidated 12 systems.
– 7 years P&L consolidation.
– Global Op-Risk Reporting.
– Credit Portfolio tool deployed to 600
users across IB.
– Stress tests on demand, in minutes.
– Firm-wide view of risk delivered.
– Ad-hoc analysis and aggregations.
– High performance even over low-
bandwidth African networks.

13. Piraeus Bank
• Region: Greece
• Line of business: Retail Banking.
• Size of deployment : 600+ users.
• Risk Disciplines: Credit, Market, Liquidity.
• Challenges:
– Operating in extreme market
conditions.
– Competing teams had been
trying to deliver for 2 years
without success.
– reporting bottleneck of several
weeks.
– Constant liquidity challenges.
– They needed to be able to
identify who was taking money
out – by customer segment.
• Business Value Delivered:
– Delivered a near-real-time view of
liquidity by directly accessing source
systems.
– Enabling analysis by customer
segment to understand daily liquidity
challenges.
– Monitoring KPI’s for the exec team.
– Enabled immediate analysis for
business users.
– Enabled rapid identification of non
performing loans.

14. Risk and Compliance
Credit Risk app

15. Risk and Compliance
Real time Intraday Liquidity Risk app (with Panopticon)

16. Sample Risk/Fraud Architecture
Trading
data
Other data
(.xls, etc)Loan data GL data
Market
data
Calculated
data
Risk data-mart / warehouse
(optional)
Optional:
What if
scenarios
(custom UI)
Risk /
Fraud
Calc
Engine
Data
Custom /
3rd party
QlikView
Filtered analysisQlikView
Business
Discovery
Dashboards
Committed
Scenarios
Session
Scenarios
Publisher
Session
What-if
Data into
QlikView

17. QlikView for Customer Intelligence

18. Customer Analysis
 Customer profile / single view
 Customer profitability
 Multi-channel analysis
 Cross-sell and up-sell
 Social medial sentiment analysis
Sales and Revenue Analysis
 Profitability analysis
 Industry benchmarking
 Revenue tracking
 CRM analytics
 Account characteristics
Transaction Management
 Fraud detection and prevention
 Transaction monitoring
 Risk & pricing strategies
 Credit scoring
 Case management
Customer Targeting
 Customer segmentation
 Target marketing
 Application processing
 Risk management
 Campaign performance
Customer (Client) Servicing
 Extranet reporting portal
 Dispute management
 Customer retention
 Call center management
 Mobile and web delivery
Products and Services
 Product management
 Affinity / loyalty programs
 Points and rebates tracking
 Channel marketing
 Regulatory compliance
Collections & Portfolio Management
 Credit line tracking
 Customer fraud
 Delinquent accounts
 Collection department
 Credit limits and authorization
Customer On-boarding
 Account Opening
 Process improvement
 Asset management
 Measure effectiveness
 Account characteristics
Common QlikView application areas
for Customer Intelligence

19. Case Study – ”5000+ users from a single app”
Swedbank - Leading European Retail Bank
Challenges
• Improve ability for the bank’s 300+ branches to target
customers in a customized manner
• Empower 5,500+ sales advisors to increase customer
interactions and better cross-sell / up-sell products &
services
• Replace legacy SQL based tools and find an alternative to
the bank’s reporting tool – Microstrategy – which could
not solve the problem
Solution
Deployed QlikView to ALL 5,500+ users at 300+ branches
for:
• Customer targeting at the individual branch level
• Ad-hoc customer base analysis for cross-sell / up-sell
Results
• Increased volume of client interactions: target a 1%
increase Improved quality of meetings: a 1%
improvement in sales Created new, flexible analytics
alternative to Microstrategy

20. • 1.4 TB of financial data analysis at a multinational bank
• 6150 business users in eight regions (4800 concurrent)
• QlikView application size 20 GB in RAM
• Over 300 columns in largest app
Deployment Summary
Technical Solution
• 3 clustered QlikView servers, 2 clustered publisher servers
• 1 stand alone QlikView server to handle heavy analytics
• Web Server clustering and Cisco NLB
Performance Result
• 1600 concurrent users with 3088 clicks per minute
• Average response time less than 3 seconds
Case Study – ”5000+ users from a single app”
Swedbank - Leading European Retail Bank

21. Sales Performance:
Commercial Lending (Loan Portfolio) App

22. Customer Analysis and Targeting
Social Media (Twitter, Facebook, etc) Sentiment Analysis app
This app was developed by Partner named QVSource.

23. Customer Analysis and Targeting
Retail Banking Sales app

24. Customer Analysis and Targeting:
Customer Analytics app

25. Transaction Analysis
Retail Banking Loan Portfolio app
This ‘Compass Banking’ app was developed by a
Solution Partner named Axis Group.

26. Extranet Client Servicing:
Branch Performance App

27. What is QlikView and Its Uniqueness

28.  Founded 1993 in Sweden
 26,000 customers in 100 countries
 Used in all Top 20 Financial
Services firms in US and EMEA*
 15 of the top 15 banks
 5 of the top 5 Insurers
 10 of the top 10 capital markets
 1,100+ employees across
28 offices in 23 countries
 Dedicated QlikView Financial
Services teams globally
 1,200 global partners including
industry specific technology,
solution and SI partners
2,500+ Financial Services clients
* 2011 Forbes 2000 list
in Financial Services

29. Mobile DevicesSearch
Innovations Are Remaking Markets
BICRM
SIMPLICITYSIMPLICITY SIMPLICITY SIMPLICITY
PageRank
Search
iPhone/iPad SAAS-based
CRM
Business
Discovery

30. QlikTech: Gartner 2013 BI
Magic Quadrant Leader
• Data Discovery now
mainstream: All leaders now
have an offering, validating
the market we pioneered
• QlikTech in leader quadrant
for third year
• Customers’ choice for
implementation ease
and ROI
• Customers report strong
delivery of business benefits
Magic Quadrant for Business Intelligence Platforms:
February 2013

31. Source: Gartner Emerging Technology Analysis: Visualization-Based Data Discovery Tools Report, June 2011
Gartner 2011 – Data Discovery Report

32. Gartner: Total Cost of Ownership Analysis
Lowest TCO of any MQ
Leader or Challenger
Total Cost of Ownership
• Software License
• Implementation
• IT Administration
• Business Administration

33. The Empowered Consumer
MobilitySearch
Social Networking Apps
The Empowered
Consumer

34. Business Discovery:
Business User-Driven BI
Insight
Everywhere
App Model
Remixability
and Reassembly Social and
Collaborative
Mobility
Finance HR
Sales
Marketing
IT
Production

35. What makes QlikView different?
1. User Experience: QlikView is highly flexible and intuitive with a lower learning
curve than competing products. Our clients are able to deploy large internal and
external (customer) user bases.
Proof: Gartner’s 2013 MQ ranked QLIK #1 in terms of ease of use for end users.
68% of the customers surveyed selected QLIK due to ease of use.
2. Rapid Development: QlikView is an agile development tool that provides
capability to integrate multiple data sources and build visual analytics in a very rapid
timeframe. Typical turnaround is days to weeks. Change the way Citi uses BI.
Proof: IDC reports that average time to deploy a BI solution is 18 months.
3. Lowest Total Cost of Ownership of the Top 10 BI solutions.
Proof: Gartner reports that QlikView has the lowest TCO of any Leader or
Challenging vendor in their 2012 MQ report.

36. QlikView Unique Patent: Associative Search Puts Users in Control
Region
State
Product
Sales
Person
IT Driven
• Linear, pre-defined thinking
• Insights missed in hidden data
• Months to change
• Data-centric
User Driven
• Follows the user
• All data, always visible
• Minutes to change
• Insight driven
Traditional BI Vendors: Linear QlikTech: Associative
Region
Product
State
Sales
Person

37. The unique customer experience at QlikTech
- Operational Excellence
BI Initiative Success and Satisfaction
• 96% of customers are satisfied with QlikView
ROI (Return On Investment)
• 150% Return On Investment
Time to Value
43% deployed QlikView in 1 Month
82% deployed QlikView in 3 Months
59% reduction in information access and analysis time
-100 0 100
Findings from independent survey of QV
Financial Services customers

38. QlikView’s Uniqueness: Better for Users
Rapid time to
value
Associative
experience
Speed-of-
thought analysis
Access to
business
data―from
anywhere
User-centric
interactivity

39. THANK YOU!