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Let’s build a smarter planet Banking

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 oces in nine European and American cities. The bank 

primarily makes deposits and loans to individuals and small or midsizecompanies, and it oers specic services such as management o 

investment unds and pensions, equity accounts and consumer credit.

The OpportunityBanking customers today have more options to choose rom and less

loyalty to banks. This makes it challenging or banks to retain customers,

but it also creates an opportunity to win new customers. Either way,

banks that prevail over the competition are those that know their

customers and can present them with oers and services they need,

based on their behaviors and characteristics—even as those actors

change. Banco Pastor realized that its manual method o data analysis

and infexible business rules cost it time, money and business. The bank 

needed a more analytical, agile system to keep up.

What Makes It SmarterBanco Pastor implemented statistical analysis and modeling sotware

that enabled the bank to turn millions o bytes o raw customer data into

 valuable insight, such as desired services by customer prole, customer

risk levels and predictions o uture customer behavior. The bank then

used data analysis to plan, automate and execute highly targeted

marketing campaigns designed to tailor specic oers and treatment

to individual customers and prospects based on behavior and proles.

 As a result, the bank expects to achieve a 20 percent improvement incustomer retention.

Banco Pastor S.A. A Spanish bank combines statistical and predictiveanalytics with marketing campaign and dynamic business rules software to determine what customers want—and give it to them

 What i you could know what perks andservices your banking customers want, evenbeore they know?

“Using IBM solutions,we can detect customer 

 patterns based on existing data and deliver extremely targeted offers and promotions to both retain and 

attract customers.” 

La Coruña, Spain

http://www.bancopastor.es

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Real Business Results• Expected to improve customer retention rates by 20 percent

• Reduced time needed to analyze customer data rom weeks to hours,

roughly a 95 percent improvement

•

Improved time to market with dynamic business rules and asterresponse to changing customer patterns

•  Anticipated increasing bank revenues because o better identication

o cross-sell and up-sell opportunities

For more informationPlease 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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Other company, product or service names may be trademarks or service marks o others. The inormation contained in this documentation is provided or inormationalpurposes only. While eorts were made to veriy the completeness and accuracy o theinormation contained in this documentation, it is provided “as is” without warranty o any kind, express or implied. In addition, this inormation is based on IBM’s currentproduct plans and strategy, which are subject to change by IBM without notice. IBMshall not be responsible or any damages arising out o the use o, or otherwise relatedto, this documentation or any other documentation. Nothing contained in thisdocumentation is intended to, nor shall have the eect o, creating any warranties orrepresentations rom IBM (or its suppliers or licensors), or altering the terms andconditions o the applicable license agreement governing the use o IBM sotware.

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