to default. Loan adopters have all the interactive, informative courses: the technology you are most likely to find applicable or attractive. Based on the time and response rate increase for each failure of the effectiveness of the SAS model, for which a campaign was launched. More than 70 percent of HDFC funds have been generated. This reduced the acquisition rate, customer retention, advanced statistical models for value management, and a dedicated card solution was sold to customers with payroll or existing accounts with the bank. This enabled the use of customer data and mapped HDFC's banking procurement process to business intelligence and analytics technology, and the Housing Development Finance Corporation Lini-ited (HDFC) was among the first financial bodies to receive initial approval from Rescrve Bank of India (RBI) to establish Bank in the private sector. This was part of RBI's liberalization plan for the Indian banking industry in 1994. The bank was incorporated in August 1994 as HDFC Bank Limited, with its registered offices in Mumbai. HDFC Bank commenced operations as a scheduled commercial bank in January 1995. It was the first bank in the country to adopt new age technology in its banking operations. More than 65 percent of its existing customers conduct banking transactions through direct online channels. HDFC has partnered with the Institute for Statistical Analysis System (SAS) to apply business intelligence and analytics technology to make critical decisions in diverse areas of banking. As a first step, it has integrated a CRM solution with the SAS Analytics suite. In this way, SAS analyzes can be deployed to the entire customer database. This gave HDFC greater insight into customer behavior and encouraged the bank to cross-sell. For example, bank executives were easily able to tell if a customer had an active account or just a salary account. Besides, they can also determine if the customer is using the HDFC account as the primary account. Spending tendencies to cache clients. The SAS tool also enabled the bank to identify suspicious activities in banking transactions with large cash deposits, sudden withdrawals in other dormant accounts, movement of funds in mple accounts (called layers), or the opening of several accounts within a short period of time. All this part of the anti-money laundering systems. Likewise, the bank is also KYC compliant - the SAS app cleans customer data and rates each profile as good or bad. This wz when a customer opens an account with Bari, the SAS analytics tool can easily identify bad tariffs. The identification of suspicious activity: through the SAS tool is comprehensive and highly reliable: these records are valuable even to Financiz Since the SAS analytics suite was implemented on top of the bank data repository, it has provided the bank with a unified model, 360-degree view of its customers regarding all interactions Customers are with the bank, be it for credit card facilities, fixed deposit or asset accounts. Analytics allowed segmentation of customers and identification of "Empire customers". These clients were highly ranked in the bank's value chain due to the high profit margins they represented. Bank executives could aggressively target those clients, who were said to generate large profits at relatively lower costs to the bank. The SAS tool also made suggestions for the type of products to sell to specific customers, and based on the customer's profile, behavior, and age, SAS identified the products for which the customer was the intelligence unit. HDFC has implemented a fast track retail operation: (home, car, or personal operation) for amounts over five rupees. Customers can now track the status of their loan application online within minutes of applying (the same process too

1. What are the benefits of integrating SAS ana lytics suite with HDFC Bank's CRM?

2. How does SAS Analytics ensure that HDFC Bank is compliant with Anti-Money Laundering (AML) regulations?

3. Discuss the use of SAS analytics in loan processing at HDFC Bank.

IST 4. What do you understand by exposure to debt and the role of analyzes in determining it?

5. What is the future of analytics at HDFC Bank?