核心银行系统建设方法-20090227-IBM

IBM2009227|20092272:IBM2005IBMPC:„„„„„„„„ITIBM——:::„„„„|20092273|2009227415-20IPO//ITKPIHRITITITITITBASELII|20092275IT„IT„„„„IT„IT„IT„„IT„IT|20092276ƒƒƒƒƒ|20092277ƒƒƒƒƒ|20092278BankofAmerica|20092279ƒ200411000500140ƒ15050098%50085%ƒ600016700ATM610ATM110102030405019971998199920002001200220032004BillionRevenueNetincome18%54%2%12%14%ƒ98ƒƒ54%BOAIBM|2009227102000ƒ98ƒƒƒƒ200043BOA(02.7)IBM|200922711ƒƒƒƒ95%1ƒƒƒ/ƒ130ƒƒ/03FleetBostonƒ98ƒƒ1/3ƒ(SBA)BOA(03.10,04.1)IBM|200922712ƒƒ“”ƒƒPlus,Premier,PrivateƒBOAIBM|200922713“”ƒ03550ƒƒ0258000ƒƒ(BankCharter)ƒbanker20100ƒ99530%70%ƒ009000-1000001/ƒƒCEOBOAIBM|200922714//1999718,000ƒƒƒƒSixSigmaƒ2000SixSigmaƒƒƒ“SixSigma”CEOBOAIBM|2009227151ƒƒƒƒ2ƒ80%ƒLoanSolutionƒBOAIBM|200922716ITSixSigmaƒƒƒƒ-30OLTPTeradata----CheckFree-ATM-LoanSolution-ModelBankingBOANCRIBM|200922717ƒ0141%0350%0470%109-10ƒ24%ƒ0320004210260ƒƒ0422%35%ƒ200169%ƒ2000SixSigmaBOAIBM|200922718|200922719ITIBM,ITIT123n....123n....123n....|200922720IBMƒ/ƒ/ƒ/ƒƒƒ/ƒƒEurope•Netherlands•France•Germany•ItalyEurope•Netherlands•France•Germany•ItalyS.E.Asia•SingaporeS.E.Asia•SingaporeAmericas•Miami•BrazilAmericas•Miami•BrazilEurope•Netherlands•France•Germany•ItalyEurope•Netherlands•France•Germany•ItalyS.E.Asia•SingaporeS.E.Asia•SingaporeAmericas•Miami•BrazilAmericas•Miami•BrazilSales&serviceOutboundtelSales&serviceOutboundtelHelpdeskSales&serviceOutboundtelSales&serviceOutboundtelOutboundtelSales&serviceOutboundtelOutboundtelOutboundtelSales&serviceOutboundtelSales&serviceOutboundtelSales&serviceOutboundtelOutboundtelSales&serviceOutboundtelOutboundtelSales&serviceOutboundtelOutboundtelSales&serviceOutboundtelSales&serviceOutboundtelSales&serviceOutboundtelOutboundtel4.1IdentifyProspect4.2RegisterProspect4.3EstablishandMaintainCustomerProfile4.4Managecampaigns4.5Monitorandmanagecustomerperformance5.1ManageCustomerInvokedComm5.2ManageCompanyDrivenComm5.3Define/AgreeCustomerFinancialPlan5.4DetermineOptions5.5CollectapplicationInformation5.6ProvideQuote/Illustration5.7AssessRisk5.8FinaliseandAgreeArrangement5.9ManagePortfolioHoldings5.10Reviewperformanceagainstcustomerplan5.11ManageEnquiry5.12ModifyCustomerData5.13Handlecustomercomplaintorcompliment4-EstablishandDevelopCustomerRelationship3.1AnalyseandPrioritiseMarkets3.2DevelopProposition3.3ManagePropositions3.4ManageBranding3.5CreateandManageChannelContent3-ManageMarkets5-ServiceCustomerRelationship7-ManageResources8-Monitor&ManageBusinessPerformance8.3ManageFinancialPerformance8.4ManageRegulatoryReportingandControls7.1ManageHumanResources8.9ManageSecurity1-Create&ManageBusinessStrategy1.1DefineBusinessConcepts&OrganisationalStrategy1.3DevelopVision&Strategy(Goals&Objectives)1.2DevelopWealthManagementBusinessPlans1.4MonitorExternalEnvironment1.5Monitor,Control&Adjust(Goals,Plans&Performance)8.1DevelopandManageScorecards8.11IdentifyImprovements10-ManageExternalRelationships10.1Build&ManageServiceProvider/PartnerRelationships10.2ManageStakeholderCommunications10.3ManagePublicRelations7.3DevelopandManageInformationTechnology8.2BenchmarkPerformance8.8ManageComplianceandLegalsupport6.1Activateproduct/service6.2ProvideAccount/ProductMaintenance6.3Providebrokerage/tradeservices6.4ProvidePortfolioMaintenance6.5IssueFinancialInstruments6.6ProvideSpecialistServices6.7HandleCashDistribution6.8HandleMoneytransmission6.9HandleCreditsettlement/drawdown6.10Handlebaddebt6.11Handlefraud6.12PrepareandManageConsumables6.13HandleLostandStolenItems2-AcquireandManageFundsandTreasury2.1RaiseFunds2.2ManageLiquidity7.2SetupandMaintainInfrastructure8.7ManageRisk8.10DevelopandManageProcessDocumentation8.6SetupandManageServiceLevelAgreements(SLAs)9-ManageChange9.1DevelopSolution/BusinessCase9.3ManageImplementation9.4TrackandManageExceptions9.2PlanandStartProject9.5CompleteandReview6.14HandleClaim6.15AdministerCustomerDocumentation,Security,Collateral&Custody6.16GenerateCustomerStatements&reports6.17ManageCommissions6.18AdministerAsset6.19Terminatecustomerarrangement6.ProductandServiceProcessing2.3ManageAssetLiabilityManagement2.4ManageALMRisk8.12ManageDisasterRecovery&ContingencyPlanning8.5Define&ManageAccountingProcedures7.4ManageProcurement4.1IdentifyProspect4.2RegisterProspect4.3EstablishandMaintainCustomerProfile4.4Managecampaigns4.5Monitorandmanagecustomerperformance5.1ManageCustomerInvokedComm5.2ManageCompanyDrivenComm5.3Define/AgreeCustomerFinancialPlan5.4DetermineOptions5.5CollectapplicationInformation5.6ProvideQuote/Illustration5.7AssessRisk5.8FinaliseandAgreeArrangement5.9ManagePortfolioHoldings5.10Reviewperformanceagainstcustomerplan5.11ManageEnquiry5.12ModifyCustomerData5.13Handlecustomercomplaintorcompliment4-EstablishandDevelopCustomerRelationship3.1AnalyseandPrioritiseMarkets3.2DevelopProposition3.3ManagePropositions3.4ManageBranding3.5CreateandManageChannelContent3-ManageMarkets5-ServiceCustomerRelationship7-ManageResources8-Monitor&ManageBusinessPerformance8.3ManageFinancialPerformance8.4ManageRegulatoryReportingandControls7.1ManageHumanResources8.9ManageSecurity1-Create&ManageBusinessStrategy1.