{"id":9805,"date":"2026-05-19T13:26:29","date_gmt":"2026-05-19T13:26:29","guid":{"rendered":"https:\/\/forquestsolutions.com\/staging\/7345\/?page_id=9805"},"modified":"2026-05-20T03:19:08","modified_gmt":"2026-05-20T03:19:08","slug":"profitability-planning","status":"publish","type":"page","link":"https:\/\/forquestsolutions.com\/staging\/7345\/banking\/profitability-planning\/","title":{"rendered":"Banking Profitability Planning"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"9805\" class=\"elementor elementor-9805\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-3852eb8d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3852eb8d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-55 elementor-top-column elementor-element elementor-element-1bcb4b49\" data-id=\"1bcb4b49\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6bb29397 elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"6bb29397\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">PROFITCY\u00ae \u00b7 Profitability<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4718e7e4 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"4718e7e4\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">IBM Planning Analytics for Bank Profitability<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-67ac231 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"67ac231\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>ProfitCy\u00ae delivers pre-built planning models for banks \u2014 relationship pricing, customer and product profitability, funds transfer pricing, branch performance, and cost of funds \u2014 all reconciling to the general ledger on IBM Planning Analytics.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7429649e elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-invisible elementor-widget elementor-widget-icon-list\" data-id=\"7429649e\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:400}\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Deal-level relationship pricing with all-in economics<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Funds transfer pricing that recalculates in minutes, not weeks<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Customer and product allocations that reconcile to the GL<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Branch, RM, and segment-level profitability scorecards<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53ea9e7 elementor-widget-divider--view-line elementor-widget elementor-widget-global elementor-global-8056 elementor-widget-divider\" data-id=\"53ea9e7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7419592a elementor-widget elementor-widget-spacer\" data-id=\"7419592a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3e8277bc elementor-section-full_width elementor-section-content-stretch elementor-section-height-default elementor-section-height-default\" data-id=\"3e8277bc\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-custom\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33.3333 elementor-inner-column elementor-element elementor-element-6c54570c\" data-id=\"6c54570c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2ba03b1e elementor-widget elementor-widget-heading\" data-id=\"2ba03b1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pricing<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14bdad5e elementor-widget elementor-widget-text-editor\" data-id=\"14bdad5e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Discipline<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33.3333 elementor-inner-column elementor-element elementor-element-7f888fb9 fq-stat-sep\" data-id=\"7f888fb9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-14916a8f elementor-widget elementor-widget-heading\" data-id=\"14916a8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Profitability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2860d3a6 elementor-widget elementor-widget-text-editor\" data-id=\"2860d3a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Visibility<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33.3333 elementor-inner-column elementor-element elementor-element-4ef14630 fq-stat-sep\" data-id=\"4ef14630\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-530b8d9b elementor-widget elementor-widget-heading\" data-id=\"530b8d9b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Allocations<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3feb4e elementor-widget elementor-widget-text-editor\" data-id=\"a3feb4e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>GL-Reconciled<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6beb943e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6beb943e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6be7b94e\" data-id=\"6be7b94e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-720e5dfe elementor-align-left elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-button\" data-id=\"720e5dfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"\/get-a-demo\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See Banking Solutions Demo<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-61e468d3\" data-id=\"61e468d3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-eb92cfe elementor-align-left elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-button\" data-id=\"eb92cfe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:600}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"\/profitcy\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">All Banking Modules<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-45 elementor-top-column elementor-element elementor-element-d42285e\" data-id=\"d42285e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-57d912ed elementor-invisible elementor-widget elementor-widget-html\" data-id=\"57d912ed\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"position:relative;width:100%;height:460px;\">\n<div style=\"position:absolute;top:50%;left:50%;transform:translate(-50%,-50%);width:380px;height:380px;background:radial-gradient(circle,rgba(59,106,221,0.13) 0%,transparent 70%);pointer-events:none;\"><\/div>\n<div style=\"position:absolute;top:5px;left:0px;width:285px;background:rgba(255,255,255,0.06);backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,0.12);border-radius:12px;padding:18px;box-shadow:0 20px 60px rgba(0,0,0,0.4);\"><div style=\"font-size:10px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:#FF6B35;margin-bottom:12px;font-family:DM Sans;\">BRANCH PROFITABILITY \u2014 Q2 2026<\/div><div style=\"display:flex;flex-direction:column;gap:7px;\"><div style=\"background:rgba(59,106,221,0.18);border:1px solid rgba(59,106,221,0.3);border-radius:6px;padding:9px 12px;display:flex;justify-content:space-between;\"><span style=\"font-size:12px;color:#FFFFFF;font-family:DM Sans;\">Net Interest Margin<\/span><span style=\"font-size:12px;color:#22C55E;font-family:DM Sans;font-weight:600;\">3.42%<\/span><\/div><div style=\"background:rgba(255,255,255,0.04);border:1px solid rgba(255,255,255,0.08);border-radius:6px;padding:9px 12px;display:flex;justify-content:space-between;\"><span style=\"font-size:12px;color:rgba(255,255,255,0.55);font-family:DM Sans;\">Fee Income<\/span><span style=\"font-size:12px;color:#FFFFFF;font-family:DM Sans;\">$2.8M<\/span><\/div><div style=\"background:rgba(34,197,94,0.1);border:1px solid rgba(34,197,94,0.22);border-radius:6px;padding:9px 12px;display:flex;justify-content:space-between;\"><span style=\"font-size:12px;color:rgba(255,255,255,0.55);font-family:DM Sans;\">Branch ROA<\/span><span style=\"font-size:12px;color:#22C55E;font-family:DM Sans;font-weight:600;\">1.34%<\/span><\/div><\/div><\/div>\n<div style=\"position:absolute;top:35px;left:215px;width:270px;background:rgba(15,43,70,0.96);border:1px solid rgba(59,106,221,0.4);border-radius:12px;padding:20px;box-shadow:0 24px 80px rgba(0,0,0,0.5);z-index:2;\"><div style=\"font-size:10px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:#FF6B35;margin-bottom:12px;font-family:DM Sans;\">SEGMENT PROFITABILITY<\/div><div style=\"display:flex;flex-direction:column;gap:8px;margin-bottom:14px;\"><div style=\"display:flex;justify-content:space-between;align-items:center;\"><span style=\"font-size:11px;color:rgba(255,255,255,0.5);font-family:DM Sans;\">Commercial<\/span><div style=\"flex:1;margin:0 10px;height:6px;background:rgba(255,255,255,0.08);border-radius:3px;overflow:hidden;\"><div style=\"width:96%;height:100%;background:linear-gradient(90deg,#3B6ADD,#22C55E);border-radius:3px;\"><\/div><\/div><span style=\"font-size:11px;color:#22C55E;font-family:DM Sans;font-weight:600;\">$48M<\/span><\/div><div style=\"display:flex;justify-content:space-between;align-items:center;\"><span style=\"font-size:11px;color:rgba(255,255,255,0.5);font-family:DM Sans;\">Retail<\/span><div style=\"flex:1;margin:0 10px;height:6px;background:rgba(255,255,255,0.08);border-radius:3px;overflow:hidden;\"><div style=\"width:72%;height:100%;background:linear-gradient(90deg,#3B6ADD,#22C55E);border-radius:3px;\"><\/div><\/div><span style=\"font-size:11px;color:#22C55E;font-family:DM Sans;font-weight:600;\">$36M<\/span><\/div><div style=\"display:flex;justify-content:space-between;align-items:center;\"><span style=\"font-size:11px;color:rgba(255,255,255,0.5);font-family:DM Sans;\">Wealth<\/span><div style=\"flex:1;margin:0 10px;height:6px;background:rgba(255,255,255,0.08);border-radius:3px;overflow:hidden;\"><div style=\"width:58%;height:100%;background:linear-gradient(90deg,#3B6ADD,#6DA3FF);border-radius:3px;\"><\/div><\/div><span style=\"font-size:11px;color:#FFFFFF;font-family:DM Sans;font-weight:600;\">$29M<\/span><\/div><div style=\"display:flex;justify-content:space-between;align-items:center;\"><span style=\"font-size:11px;color:rgba(255,255,255,0.5);font-family:DM Sans;\">Treasury<\/span><div style=\"flex:1;margin:0 10px;height:6px;background:rgba(255,255,255,0.08);border-radius:3px;overflow:hidden;\"><div style=\"width:42%;height:100%;background:linear-gradient(90deg,#3B6ADD,#6DA3FF);border-radius:3px;\"><\/div><\/div><span style=\"font-size:11px;color:#FFFFFF;font-family:DM Sans;font-weight:600;\">$21M<\/span><\/div><\/div><div style=\"height:1px;background:rgba(255,255,255,0.08);margin:8px 0;\"><\/div><div style=\"display:flex;justify-content:space-between;\"><div><div style=\"font-size:10px;color:rgba(255,255,255,0.4);font-family:DM Sans;\">Total Revenue<\/div><div style=\"font-size:18px;font-weight:700;color:#FFFFFF;font-family:Space Grotesk;\">$134M<\/div><\/div><div style=\"text-align:right;\"><div style=\"font-size:10px;color:rgba(255,255,255,0.4);font-family:DM Sans;\">ROE<\/div><div style=\"font-size:18px;font-weight:700;color:#22C55E;font-family:Space Grotesk;\">14.8%<\/div><\/div><\/div><\/div>\n<div style=\"position:absolute;top:310px;left:10px;width:240px;background:rgba(255,255,255,0.06);backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,0.12);border-radius:12px;padding:18px;box-shadow:0 20px 60px rgba(0,0,0,0.4);\"><div style=\"font-size:10px;font-weight:700;letter-spacing:1.2px;text-transform:uppercase;color:#FF6B35;margin-bottom:12px;font-family:DM Sans;\">FTP RATE CURVE<\/div><div style=\"display:flex;justify-content:space-between;margin-bottom:6px;\"><span style=\"font-size:11px;color:rgba(255,255,255,0.45);font-family:DM Sans;\">1-Year<\/span><span style=\"font-size:11px;color:#22C55E;font-family:DM Sans;font-weight:600;\">4.85%<\/span><\/div><div style=\"display:flex;justify-content:space-between;margin-bottom:6px;\"><span style=\"font-size:11px;color:rgba(255,255,255,0.45);font-family:DM Sans;\">5-Year<\/span><span style=\"font-size:11px;color:#FFFFFF;font-family:DM Sans;font-weight:600;\">4.62%<\/span><\/div><div style=\"display:flex;justify-content:space-between;margin-bottom:6px;\"><span style=\"font-size:11px;color:rgba(255,255,255,0.45);font-family:DM Sans;\">10-Year<\/span><span style=\"font-size:11px;color:#3B6ADD;font-family:DM Sans;font-weight:600;\">4.41%<\/span><\/div><div style=\"height:1px;background:rgba(255,255,255,0.08);margin:8px 0;\"><\/div><div style=\"font-size:10px;color:rgba(255,255,255,0.4);font-family:DM Sans;\">Last Recalc<\/div><div style=\"font-size:16px;font-weight:700;color:#22C55E;font-family:Space Grotesk;\">12 minutes<\/div><\/div>\n<div style=\"position:absolute;top:10px;right:20px;background:rgba(34,197,94,0.14);backdrop-filter:blur(8px);border:1px solid rgba(34,197,94,0.28);border-radius:20px;padding:6px 14px;z-index:20;\"><span style=\"font-size:11px;color:#22C55E;font-family:DM Sans;font-weight:600;\">\u25cf GL Reconciled<\/span><\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2ec84e8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2ec84e8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-522b455c\" data-id=\"522b455c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1bd6b888 elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"1bd6b888\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">BANKING SOLUTIONS<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43a6399 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"43a6399\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:150}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The Banking Planning Suite \u2014 Pre-Built on IBM PA<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-374f4fb7 elementor-widget elementor-widget-text-editor\" data-id=\"374f4fb7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>From relationship pricing to branch profitability \u2014 six pre-built modules every commercial and retail bank needs, deployed in 90 days.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-62fbc531 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"62fbc531\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-custom\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33.3333 elementor-inner-column elementor-element elementor-element-2df83506\" data-id=\"2df83506\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2b60f7fb elementor-widget elementor-widget-text-editor\" data-id=\"2b60f7fb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size:22px;line-height:1;text-align:center;margin:0;\">\ud83d\udcb1<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d1192a8 elementor-widget elementor-widget-heading\" data-id=\"1d1192a8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Relationship Pricing Model<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab46cb9 elementor-widget elementor-widget-text-editor\" data-id=\"ab46cb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Deal-level pricing for commercial and wealth relationships. RMs see all-in economics \u2014 NIM, fee income, FTP credit, allocated capital, and risk-adjusted ROE \u2014 before they price.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33.3333 elementor-inner-column elementor-element elementor-element-2af1fee9\" data-id=\"2af1fee9\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3c35ffc7 elementor-widget elementor-widget-text-editor\" data-id=\"3c35ffc7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size:22px;line-height:1;text-align:center;margin:0;\">\ud83e\uddee<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-509b781e elementor-widget elementor-widget-heading\" data-id=\"509b781e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Customer &amp; Product Allocations<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1fa7c1be elementor-widget elementor-widget-text-editor\" data-id=\"1fa7c1be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Activity-based costing that reconciles to the GL. Allocate operations, technology, risk, and overhead costs to customers and products with auditable driver math.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33.3333 elementor-inner-column elementor-element elementor-element-7ef5e1f3\" data-id=\"7ef5e1f3\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-74733ba6 elementor-widget elementor-widget-text-editor\" data-id=\"74733ba6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size:22px;line-height:1;text-align:center;margin:0;\">\ud83c\udfaf<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-460513ce elementor-widget elementor-widget-heading\" data-id=\"460513ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Funds Transfer Pricing (FTP)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-500d5549 elementor-widget elementor-widget-text-editor\" data-id=\"500d5549\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Matched-maturity FTP curves that auto-recalculate when rates move. Cost of funds and funding credits at the deal, product, branch, and entity level \u2014 with full audit trail.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-32255fa8 elementor-widget elementor-widget-spacer\" data-id=\"32255fa8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2bfd8deb elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2bfd8deb\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-custom\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33.3333 elementor-inner-column elementor-element elementor-element-6220e714\" data-id=\"6220e714\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-76c51bb4 elementor-widget elementor-widget-text-editor\" data-id=\"76c51bb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size:22px;line-height:1;text-align:center;margin:0;\">\ud83c\udfe2<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-321ca77a elementor-widget elementor-widget-heading\" data-id=\"321ca77a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Branch &amp; RM Profitability<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b01dc91 elementor-widget elementor-widget-text-editor\" data-id=\"b01dc91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Monthly profitability scorecards by branch, region, and relationship manager. Deposit gathering, loan production, fee income, allocated costs, NIM contribution, and branch-level ROA \u2014 drillable in PAW or PAXcel.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33.3333 elementor-inner-column elementor-element elementor-element-1152a1f6\" data-id=\"1152a1f6\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b94a2f elementor-widget elementor-widget-text-editor\" data-id=\"4b94a2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size:22px;line-height:1;text-align:center;margin:0;\">\u2696\ufe0f<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1e475f79 elementor-widget elementor-widget-heading\" data-id=\"1e475f79\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Cost of Funds Models<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f4d6ce2 elementor-widget elementor-widget-text-editor\" data-id=\"7f4d6ce2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33.3333 elementor-inner-column elementor-element elementor-element-3c52e76e\" data-id=\"3c52e76e\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-26d4570a elementor-widget elementor-widget-text-editor\" data-id=\"26d4570a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p style=\"font-size:22px;line-height:1;text-align:center;margin:0;\">\ud83d\udcca<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65bf51b4 elementor-widget elementor-widget-heading\" data-id=\"65bf51b4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Unified Retail &amp; Commercial View<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6bc79362 elementor-widget elementor-widget-text-editor\" data-id=\"6bc79362\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-108da434 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"108da434\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ba4bc1f\" data-id=\"5ba4bc1f\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-42c1eb95 elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"42c1eb95\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">BANKING SEGMENTS<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88e1b01 elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"88e1b01\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:150}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Built for Every Banking Segment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c0db908 elementor-widget elementor-widget-text-editor\" data-id=\"2c0db908\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Whether you serve commercial clients, retail customers, or wealth households, ProfitCy\u00ae delivers the planning models your business needs.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-2e144efa elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"2e144efa\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-custom\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33.3333 elementor-inner-column elementor-element elementor-element-1649cc53 fq-photo-card\" data-id=\"1649cc53\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64ac3f4 elementor-widget elementor-widget-html\" data-id=\"64ac3f4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"display:inline-block;background:rgba(255,255,255,0.12);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,0.22);border-radius:6px;padding:6px 14px;margin-bottom:12px;\"><span style=\"font-size:11px;font-weight:700;color:#FFFFFF;font-family:DM Sans;text-transform:uppercase;letter-spacing:0.8px;\">Commercial Banking<\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44dce5cb elementor-widget elementor-widget-heading\" data-id=\"44dce5cb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"\/solutions\/by-industry\/banking\/relationship-pricing\/\">Commercial Banking<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f6fd13 fq-card-desc elementor-widget elementor-widget-text-editor\" data-id=\"1f6fd13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Deal-level relationship pricing, treasury management profitability, and commercial loan portfolio analytics with allocated capital and risk-adjusted ROE.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33.3333 elementor-inner-column elementor-element elementor-element-412df871 fq-photo-card\" data-id=\"412df871\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d40a500 elementor-widget elementor-widget-html\" data-id=\"d40a500\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"display:inline-block;background:rgba(255,255,255,0.12);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,0.22);border-radius:6px;padding:6px 14px;margin-bottom:12px;\"><span style=\"font-size:11px;font-weight:700;color:#FFFFFF;font-family:DM Sans;text-transform:uppercase;letter-spacing:0.8px;\">Retail Banking<\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-223eba4 elementor-widget elementor-widget-heading\" data-id=\"223eba4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"\/solutions\/by-industry\/banking\/\">Retail Banking<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f35920b fq-card-desc elementor-widget elementor-widget-text-editor\" data-id=\"f35920b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Branch P&#038;L scorecards, deposit and loan product profitability, customer lifetime value, and cross-sell analytics for retail networks.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33.3333 elementor-inner-column elementor-element elementor-element-695b19b3 fq-photo-card\" data-id=\"695b19b3\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-741281cc elementor-widget elementor-widget-html\" data-id=\"741281cc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t\t<div style=\"display:inline-block;background:rgba(255,255,255,0.12);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,0.22);border-radius:6px;padding:6px 14px;margin-bottom:12px;\"><span style=\"font-size:11px;font-weight:700;color:#FFFFFF;font-family:DM Sans;text-transform:uppercase;letter-spacing:0.8px;\">Wealth Management<\/span><\/div>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6260b618 elementor-widget elementor-widget-heading\" data-id=\"6260b618\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"\/solutions\/by-industry\/banking\/\">Wealth Management<\/a><\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ee7e7bf fq-card-desc elementor-widget elementor-widget-text-editor\" data-id=\"7ee7e7bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Advisor book profitability, AUM-based fee modeling, household-level relationship economics, and capacity planning for HNW advisory teams.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f1b9ba0 elementor-align-center elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-button\" data-id=\"3f1b9ba0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"\/case-studies\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View All Case Studies \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-186009fc elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"186009fc\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-72f248a6\" data-id=\"72f248a6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-234fb216 elementor-widget__width-auto elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"234fb216\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInDown&quot;,&quot;_animation_delay&quot;:100}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\">READY TO GET STARTED<\/span>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-64db57ca elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"64db57ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:150}\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Bring Banking Discipline to Your Planning Process<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a5c8464 elementor-widget elementor-widget-text-editor\" data-id=\"3a5c8464\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>See how ProfitCy\u00ae banking modules deliver relationship pricing, FTP, allocations, and branch profitability \u2014 deployed in 90 days.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-38388b4a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"38388b4a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-narrow\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7cecf916\" data-id=\"7cecf916\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4b7c6aa1 elementor-align-left elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-button\" data-id=\"4b7c6aa1\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:500}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"\/get-a-demo\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Book a Free Demo \u2192<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-39dd6133\" data-id=\"39dd6133\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a4498be elementor-align-left elementor-widget__width-initial elementor-invisible elementor-widget elementor-widget-button\" data-id=\"3a4498be\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;,&quot;_animation_delay&quot;:600}\" data-widget_type=\"button.default\">\n\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Talk to a Consultant<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PROFITCY\u00ae \u00b7 Profitability IBM Planning Analytics for Bank Profitability ProfitCy\u00ae delivers pre-built planning models for banks \u2014 relationship pricing, customer and product profitability, funds transfer pricing, branch performance, and cost of funds \u2014 all reconciling to the general ledger on IBM Planning Analytics. Deal-level relationship pricing with all-in economics Funds transfer pricing that recalculates in [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":0,"parent":8066,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"nf_dc_page":"","site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-9805","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/forquestsolutions.com\/staging\/7345\/wp-json\/wp\/v2\/pages\/9805","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/forquestsolutions.com\/staging\/7345\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/forquestsolutions.com\/staging\/7345\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/forquestsolutions.com\/staging\/7345\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/forquestsolutions.com\/staging\/7345\/wp-json\/wp\/v2\/comments?post=9805"}],"version-history":[{"count":22,"href":"https:\/\/forquestsolutions.com\/staging\/7345\/wp-json\/wp\/v2\/pages\/9805\/revisions"}],"predecessor-version":[{"id":9930,"href":"https:\/\/forquestsolutions.com\/staging\/7345\/wp-json\/wp\/v2\/pages\/9805\/revisions\/9930"}],"up":[{"embeddable":true,"href":"https:\/\/forquestsolutions.com\/staging\/7345\/wp-json\/wp\/v2\/pages\/8066"}],"wp:attachment":[{"href":"https:\/\/forquestsolutions.com\/staging\/7345\/wp-json\/wp\/v2\/media?parent=9805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}