Leveraging Data in Banks for Market Share and Profitability

New businesses are typically classified as one of three types by investors: a vitamin, an aspirin, or a condiment. "Vitamins" are businesses that generate new revenue to their clients; "aspirins" reduce expenses for their clients; and "condiments" are tasty, but don't provide much quantifiable value.

While it is easy to see that Capitalytics could be viewed as an "aspirin", checking the boxes and generating documents that regulators want to see from banks as a matter of process, we also offer our banking clients a "vitamin": the opportunity to find their "sweet spot", accentuate their strengths, and increase their bottom line profits.

Capitalytics can classify all of a bank's instruments into multiple groups, down to and including classification by the loan officer who "owns" or otherwise may be responsible for an account. So we can easily show a bank the areas, lines of business, and individuals who are most successful at generating profits for the bank. With this information, wise management can determine how to structure incentives so loan officers will continue to produce desirable results. In addition, Capitalytics can identify and track the progress of less productive areas or personnel. This information can help our clients repurpose or reduce the aspects of their business that are less profitable or unprofitable. As a result, we can help banks enhance their ROI by increasing returns and decreasing investment.

We are very flexible and focused in our desire to help our clients and generate value. We strive to understand our clients' needs and are willing to create new reports for them -- at little or no up-front cost -- to help them run their businesses as efficiently as possible by identifying the most profitable or unprofitable areas of their business. For banks that are proactive about improving their profitability and market share, the breadth of areas in which we can help is virtually unlimited. Contact us today to talk about how Capitalytics can help your bank enhance its competitiveness and its bottom line.