Regulatory
CECL · Basel III
Profitability
FTP · Allocations
Pricing
Risk-Adjusted ROE
PROFITCY® · BANKING
IBM Planning Analytics for Every Banking Discipline
From the controller’s office to the commercial floor — ProfitCy® delivers pre-built planning models for every banking discipline. Regulatory capital, profitability, and relationship pricing — all reconciling to the general ledger on IBM Planning Analytics, deployed in 90 days.
- Regulatory capital, CECL provisioning, and Basel III planning
- Customer, product, and branch profitability with allocated costs
- Deal-level relationship pricing with all-in risk-adjusted ROE
- Pre-built models on IBM Planning Analytics — live in 90 days
REGULATORY CAPITAL
CET1 Ratio12.4%
CECL Reserve$284M
RWA$8.2B
SEGMENT PROFITABILITY
Commercial$48M
Retail$36M
Wealth$29M
Bank ROE
14.8%
Efficiency
52%
DEAL PRICING
All-in NIM3.42%
Fee Income$62K
FTP Credit($284K)
Risk-Adjusted ROE
17.5%
● One Connected Suite
BANKING SOLUTION SUITE
Three Pillars of Banking Performance — One Platform
Each pillar is a pre-built ProfitCy® module on IBM Planning Analytics. Deploy one or all three — they reconcile to the same general ledger and share consistent dimensional architecture.
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Regulatory & Capital Planning
Built for bank CFOs, Controllers, and Treasury managing close, capital adequacy, and regulatory reporting.
- CECL provisioning and reserve modeling
- Basel III regulatory capital and RWA
- Net interest income & balance sheet planning
- Branch and business-unit P&L
🎯
Profitability Planning
For Heads of Commercial Banking and Profitability leadership driving discipline across retail and commercial.
- Customer & product allocations (GL-reconciled)
- Funds Transfer Pricing (FTP) at deal level
- Cost of funds and behavioral modeling
- Branch and RM profitability scorecards
💱
Relationship Pricing
Built for commercial RMs and pricing analysts who need defensible deal-level economics.
- Deal-level all-in NIM, fees, and FTP
- Regulatory and economic capital allocation
- Risk-adjusted ROE with hurdle rate logic
- PAXcel™ delivery — RMs price in Excel
INDUSTRY SOLUTIONS
ProfitCy® Planning Modules Built for Banking
Every planning module is pre-configured for banking data structures — general ledger hierarchies, product codes, regulatory categories, and cost center structures your team already uses.
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Net Interest Income Planning
Model NIM across loan portfolios, deposit products, and investment securities with rate sensitivity and volume drivers.
💳
Loan & Deposit Portfolio Planning
Balance sheet planning by product, maturity, and rate type — linked to NII, provision expense, and capital ratios.
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Regulatory Capital Planning
Basel III/IV risk-weighted asset planning, capital ratio forecasting, and stress testing integrated with the financial model.
🏢
Branch & Business Unit P&L
Profitability planning and reporting at the branch, line of business, and cost center level with FTP allocations.
👥
Workforce & Compensation Planning
FTE, salary, and incentive planning across branches, business lines, and operations — linked to revenue and cost drivers.
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AI-Enhanced Forecast & Analytics
AI-driven loan loss forecasting, deposit behavior modeling, and anomaly detection on actuals vs. plan.
CLIENT RESULTS
How Banks Win with ProfitCy® on IBM Planning Analytics
Regional banks, credit unions, and financial holding companies use ProfitCy® to cut budget cycles, automate CECL, and consolidate multi-entity financials in weeks, not months.
REGIONAL BANK
60% Faster CECL Reserve Reporting
Automated provision expense planning eliminated manual Excel-based CECL calculations — reserve reporting now runs in hours.
CREDIT UNION
Budget Cycle Cut from 10 Weeks to 6
Branch-level data collection and roll-ups fully automated — finance team shifted from data gathering to scenario analysis.
HOLDING COMPANY
12 Legal Entities in One TM1 Model
Multi-entity Basel III capital ratio planning consolidated across all subsidiaries — real-time regulatory capital monitoring.
READY TO GET STARTED
See ProfitCy® Configured for Banking
Whether you’re tightening regulatory capital, sharpening profitability, or arming RMs with deal pricing — we’ll show you the right ProfitCy® module for your team.