NIM
+ Fees
FTP
Auto-Recalc
ROE
Risk-Adjusted
PROFITCY® · RELATIONSHIP PRICING
Price Every Bank Relationship with Real Numbers, Not Guesswork
ProfitCy® Bank Relationship Pricing Model gives commercial relationship managers the all-in economics of every deal — NIM, fee income, FTP credit, allocated capital, and risk-adjusted ROE — before they sign.
- Deal-level all-in pricing with NIM, fees, and FTP credit
- Matched-maturity FTP that recalculates on every rate move
- Regulatory and economic capital allocated by deal
- PAXcel™ delivery — RMs price deals in Excel they already use
DEAL: ACME MFG — $8.5M LINE
Interest Income$487K
Treasury Fees$62K
FTP Charge($284K)
RISK-ADJUSTED ROE
Net Revenue$265K
Allocated Cost($48K)
Credit Reserve($24K)
Reg. Capital$1.1M
Pre-Tax ROE
17.5%
vs. Hurdle
+250bp
WHAT-IF SCENARIOS
SOFR + 22517.5%
SOFR + 20015.2%
SOFR + 17512.8%
Hurdle Rate
15.0%
● Deal Approved
RELATIONSHIP PRICING CAPABILITIES
Everything an RM Needs to Price a Deal — In One Workbench
Pre-built relationship pricing on IBM Planning Analytics. Deployed in 90 days with PAXcel™ delivery to every commercial RM.
💱
Deal-Level Pricing Workbench
RMs enter loan amount, tenor, rate, fees, deposit balances, and treasury services. The model returns net revenue, allocated cost, capital, and risk-adjusted ROE — instantly.
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Matched-Maturity FTP
FTP curves auto-update from market data feeds via TurboIntegrator. Matched-maturity charges for assets, matched-maturity credits for funding. Recalculates the entire portfolio in minutes when rates move.
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Capital Allocation by Deal
Both regulatory capital (Basel III risk-weighted assets) and economic capital allocated by deal. RWA computed from product type, collateral, rating, and commitment. Returns flow through to risk-adjusted ROE.
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Full Relationship P&L View
See a customer’s complete economics in one view — loans, deposits, treasury management, FX, capital markets, and wealth referrals. Price the relationship, not just the loan.
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PAXcel™ in Excel for RMs
RMs price deals in Excel — the tool they already use. PAXcel™ connects Excel to IBM Planning Analytics live, with per-user security. No VPN, no plugins, no IT deployment burden.
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What-If Scenario Modeling
Compare deal structures before going to credit. Change tenor, pricing spread, fee structure, or deposit requirements and see the ROE impact side-by-side. Optimize within hurdle rate guardrails.
WHO USES IT
Built for Commercial Banking Teams
Relationship Pricing is built for the teams that win, retain, and grow your most valuable customer relationships.
Commercial RMs
Price middle-market and large corporate deals with confidence. See all-in economics before going to credit committee and defend pricing against competitor pressure.
Wealth Advisors
Model household-level economics across investment management, lending, deposits, and trust services. See full advisor book profitability with capacity planning.
Treasury Management
Price treasury management services with full transparency on fee waivers, deposit credit, and operational cost — then connect TM economics to the overall commercial relationship P&L.
READY TO GET STARTED
Stop Pricing Bank Deals on Gut Feel
See how commercial RMs use ProfitCy® to price every relationship with all-in economics and defensible ROE.