Challenges for Today's Banker

Banks nowadays rely on traditional accounting systems, however traditional systems cannot deliver intelligence about business processes, cost flows and cost drivers​.  They are also lacking fact based data and even though they may understand that  operational costs are too high in a particular area they are unable to analyze those processes across their business or industry.  Traditional cost systems cannot allocate nonstandard costs, to a specific customer, product or service that are driving these costs. It’s also hard to determine which customers, products, channels and services are driving the greatest value for your company.

Our ProfitCy®
Banking Solution

A pre-configured IBM Planning Analytics solution that already has many of the key components of a planning solution for Financial Services and Banking companies designed and configured. It’s based on years of experience implementing financial and operational performance management solutions within the Financial Services Industry. This solution will not only accelerate your implementation, reduce risk and save you money, but it will also ensure that industry best practices are adhered to for key processes common to any Extended Planning and Analysis (xP&A) solution for financial service institutions.

Customer Profitability and Pricing

Effectively Manage Customer Relationships and Strategic Pricing

Having the right analytics, processes, and tools to maximize profitability and effectively price business opportunities is the key to improving performance of your organization.  Our solution, ProfitCy offers real-time, accurate information to make informed financial decisions in an ever-changing world.  Organizations that utilize ProfitCy consistently have higher Net Interest Margin (NIM) and Return on Equity (ROE) versus their competition.

With the Customer Profitability and Pricing solution, you can answer crucial questions like:

  • Customer Profitability – How do you segment and protect your most profitable relationships?
  • Product Profitability – What are my best products and which require repricing?
  • Organizational Profitability – How to effectively assign relationship managers to nurture customer relationships?
  • Channel Profitability – What delivery mechanisms generate the most profitable business?
  • Sales Performance – In competitive situations, are you armed with sufficient information to know how much you can lower a rate to win the deal while still maximizing profitability?
  • Market Profitability – What key data is available to help you make informed decisions to extend benefits like fee waivers, preferred rates, and more?

Commericial Banking

Our enterprise planning management (EPM) solution helps financial services customers streamline planning and analysis, performance management, reporting, and compliance business processes.

Retail Banking

Drive better branch performance management with customer segment and product level planning, analysis and reporting

Relationship Pricing

A pre-built solution to provide commercial bankers and relationship managers a consistent way to price both credit and non-credit deals. The solution supports relationship pricing and analysis with the functionality to combine existing and proposed deals. Also, provides the ability to evaluate Risk-adjusted return on Capital (RAROC) on each pricing scenario.

Cost Transparency

Understanding cost data is the key to driving profitability. Using our pre-built models, link cost rules and allocate customer and product data for analysis and reporting of actual and planning data to drive performance utilizing consistent methodologies.

See what's next in Banking...

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