Financial Depository Model

ValueMANAGER ON-LINE's Industrial model encompasses more than 20,000 financial depository institutions, including banks, savings institutions and credit unions. The Financial Depository model focuses on those key financial metrics relevant to Banks, Savings Institutions and Credit Unions. In reviewing the key financial metrics for a financial institution compared to peers, industry or in comparison to their own historical trends, you can identify potential opportunities that can be used as lead in for your own solutions. The Financial Depository model analyzes your customer's key financial metrics related to growth, efficiency, asset quality and capital adequacy. A sampling of the metrics that can be used to identify financial gaps include:

• Net Interest Income Growth
• Non-Interest Income Growth
• Efficiency Ratio
• % Salaries and Related Expense
• % Net Occupancy Expense
• % Other Non-Interest Expense
• Total Income/Premises and Equipment

Financial Depository Model: Key Features and Functions

Gain a better understanding of a company's business:

• Company Profile
  • Geographic Location
  • Number of Employees
  • Holding Company
  • Key Financial Metrics
    • Return on Assets
    • Return on Equity
    • Total Assets
    • Efficiency Ratio
    • Net Interest Income Growth
  • Related Depository Entities
• Company Financials
  • Review up to five years of the most recent annual and latest twelve month financials
• Historical Trending and Peer Comparisons
  • Identify downward or upward trends to better understand a company's "Pain Points"
  • Compare the latest five years of data for numerous ratios in addition to side-by-side comparisons with your target company's peers

Identify Potential Opportunities and Quantify the Benefits of Closing the Gaps

• Opportunity Dashboard (See Example Below)
  • Quickly identify the potential areas of opportunity and quantify the benefits of closing the gaps to prioritize your focus
  • Provides a presentation quality view to share with client executives
  
  
  Example of Opportunity Dashboard:
  
  
  
  
• Gap Analysis
  • Identify financial gaps by comparing a target's financial metrics versus its competitors, industry aggregate, or against their own historical results
  • Quantify the benefit of closing the financial gaps on a cash flow, economic profit or basis point ROA basis

Quantify the Impact Your Solutions Can Provide to Your Clients

• What-If or Sensitivity Analysis
Estimate the potential first year and long term cash flow benefits that can be realized by changing a company's performance for specific financial metrics

Financial Depository Database (Regulatory Data)

• Over 20,000 financial depository institutions
• Peer group aggregates by asset size used for benchmarking