Deposit Profitability Analytics



Our Deposit Analytic Services enable financial institutions to measure and assess the impact of changes in interest rates on deposit retention, deposit decay, liquidity and profitability. Through analysis of historical deposit data, we help financial institutions measure the elasticity of core deposits to changes in market conditions and the impact on liquidity and profitability management strategies.

Our Deposit Analytics and Modeling Services help Community Banks and Credit Unions leverage the power of Data and Predictive Analytics to improve their understanding of customers’ needs, their product and service preferences to attract, win and keep NMD’S (checking, savings, MM accounts) as they face the growing competition for deposits from big banks and the rapidly expanding digital players. Our organization offers Deposit Analytics Services in the following areas:

  • DEPOSIT MODELING: Development of Predictive Models to forecast deposit levels and identify customers’ profiles correlated with profitable deposit levels and deposit retention rates.
  • DEPOSIT RETENTION: Development of Survival Models to predict customers’ deposit retention periods and levels, help institutions prioritize accounts based on retention horizons and identify customers’ factors that best predict deposit retention.
  • DEPOSIT SEGEMENTATION: Deployment of Machine Learning Algorithms to segment deposit accounts based on their customers’ and deposit characteristics most similar to each other within each group and most dissimilar across to help in setting profitable offers, rates, products, services and improve cross-selling opportunities.

Contact us at your convenience to learn more about how our Deposit Analytics and Modeling Services can help your institution improve the effectiveness and profitability of its deposit acquisition and retention strategies amidst today’s challenging IRR environment.

Credit Risk Analytics

Leverage Credit Risk Scorecards to identify loan ‘red flags’, reduce losses and grow profits.

Deposit Profitability Modeling

Predictive Models to forecast the stability and profitability of deposit levels across time.

Capital Adequacy

Know the Capital Reserve requirements needed to survive unexpected credit losses.

ALM Modeling

Measure the impact of changes in interest rates on NII, NEV, capital adequacy and profitability.