NIM
Optimization
CECL
Modeling
Basel III
Compliance
PROFITCY® FOR BANKING
IBM Planning Analytics for Banking — ProfitCy® by ForQuest
Purpose-built TM1 planning models for banks and credit unions — covering net interest income, funds transfer pricing, loan loss provisioning, regulatory capital, and branch profitability on IBM Planning Analytics.
- Funds Transfer Pricing (FTP) modeling by product and maturity
- Loan loss provision and CECL reserve planning
- Regulatory capital planning (Basel III / IV)
- Branch, product, and customer profitability analysis
IBM PLANNING ANALYTICS SOLUTIO
AI-powered planning insights
Real-time IBM TM1 data
Pre-built industry models
Automated reporting
Regulatory
Capital Planning
FTP
Modeling
Multi-Entity
Consolidation
● IBM Planning Analytics Live
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.
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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.
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Branch & Business Unit P&L
Profitability planning and reporting at the branch, line of business, and cost center level with FTP allocations.
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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
Book a demo showing FTP modeling, CECL planning, and regulatory capital reporting — configured for your bank’s structure.