Balance sheet planning – Build loan portfolio runoffs, including principals, prepayment, interest, deposits, fees, as well as new origination/deposit models so you can forecast a comprehensive balance sheet, income statement and cashflow.
Product and branch profitability – Plan revenues and direct costs by product and branch. Allocate personnel and overhead to create product and branch P&Ls.
Non-interest expense budgeting – Plan for non-interest expense items such as salary, benefits, taxes and facilities costs.
Funds transfer pricing – Adjust rates to determine the profitability of product lines or performance of various branches.
Workforce planning – Build branch and call centre staffing models to optimise capacity; plan related benefits, bonuses, commissions and raises.
Assets under management (AUM) – Wealth management companies can plan assets under management (AUM) and advisory fees.
Credit union membership – Credit unions can forecast member adds, retention and fees as well as instrument-level details (e.g., credit cards, car loans and mortgages).