Information System for Bank Portfolio Credit Risk Analysis Based on a Three-tier Data Warehouse Architecture
DOI:
https://doi.org/10.18372/1990-5548.89.21481Keywords:
business intelligence, data warehouse, portfolio credit risk, banking information system, dashboard, OLAP, ELTAbstract
This paper proposes an information system for bank portfolio credit risk analysis based on a three-tier data warehouse architecture. The proposed solution integrates a centralized data warehouse, online analytical processing, a modular data import subsystem, and a Business Intelligence platform to support automated data integration, analytical processing, visualization, and reporting. A three-tier data warehouse model with subject-oriented data marts is developed to improve data organization and analytical performance. The architecture of the data import module is designed using a clear separation of responsibilities between software components, providing modularity, scalability, and maintainability. The analytical capabilities of the developed system are demonstrated through regression analysis of non-performing loans, confirming its applicability for automated portfolio credit risk assessment and decision support.
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