Pricing
Discipline
Profitability
Visibility
Allocations
GL-Reconciled
PROFITCY® · Profitability
IBM Planning Analytics for Bank Profitability
ProfitCy® delivers pre-built planning models for banks — relationship pricing, customer and product profitability, funds transfer pricing, branch performance, and cost of funds — all reconciling to the general ledger on IBM Planning Analytics.
- Deal-level relationship pricing with all-in economics
- Funds transfer pricing that recalculates in minutes, not weeks
- Customer and product allocations that reconcile to the GL
- Branch, RM, and segment-level profitability scorecards
BRANCH PROFITABILITY — Q2 2026
Net Interest Margin3.42%
Fee Income$2.8M
Branch ROA1.34%
SEGMENT PROFITABILITY
Commercial$48M
Retail$36M
Wealth$29M
Treasury$21M
Total Revenue
$134M
ROE
14.8%
FTP RATE CURVE
1-Year4.85%
5-Year4.62%
10-Year4.41%
Last Recalc
12 minutes
● GL Reconciled
BANKING SOLUTIONS
The Banking Planning Suite — Pre-Built on IBM PA
From relationship pricing to branch profitability — six pre-built modules every commercial and retail bank needs, deployed in 90 days.
💱
Relationship Pricing Model
Deal-level pricing for commercial and wealth relationships. RMs see all-in economics — NIM, fee income, FTP credit, allocated capital, and risk-adjusted ROE — before they price.
🧮
Customer & Product Allocations
Activity-based costing that reconciles to the GL. Allocate operations, technology, risk, and overhead costs to customers and products with auditable driver math.
🎯
Funds Transfer Pricing (FTP)
Matched-maturity FTP curves that auto-recalculate when rates move. Cost of funds and funding credits at the deal, product, branch, and entity level — with full audit trail.
🏢
Branch & RM Profitability
Monthly profitability scorecards by branch, region, and relationship manager. Deposit gathering, loan production, fee income, allocated costs, NIM contribution, and branch-level ROA — drillable in PAW or PAXcel.
⚖️
Cost of Funds Models
Wholesale and retail funding cost models with behavioral assumptions for non-maturity deposits. Liquidity premiums, basis spreads, and regulatory adjustments computed automatically from market data feeds.
📊
Unified Retail & Commercial View
One profitability model spanning retail and commercial banking with consistent allocation methodology and FTP framework. Executive PAW dashboards roll up to enterprise; RMs drill down to customer level.
BANKING SEGMENTS
Built for Every Banking Segment
Whether you serve commercial clients, retail customers, or wealth households, ProfitCy® delivers the planning models your business needs.
Commercial Banking
Deal-level relationship pricing, treasury management profitability, and commercial loan portfolio analytics with allocated capital and risk-adjusted ROE.
Retail Banking
Branch P&L scorecards, deposit and loan product profitability, customer lifetime value, and cross-sell analytics for retail networks.
Wealth Management
Advisor book profitability, AUM-based fee modeling, household-level relationship economics, and capacity planning for HNW advisory teams.
READY TO GET STARTED
Bring Banking Discipline to Your Planning Process
See how ProfitCy® banking modules deliver relationship pricing, FTP, allocations, and branch profitability — deployed in 90 days.