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BranchScape®

Branch Profitability Underscored

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According to BBA's study, the cost of branches and the related staff make up 62 percent of all non-interest expense for an average Credit Union in Canada. From managerial decision-making, the extent to which a branch contributes to achieving the bank or credit union’s financial and marketing objectives is always difficult to measure. The financial institution should be able to look at individual branches to determine how to best align the day-to-day activities within each branch with the overall objectives of the franchise. BranchScape provides an integrated approach in reconfiguring a branch network, according to the dictates of the market.

As consumers rapidly adapted to online and mobile banking, the branch appeared headed for a more diminished role in the retail distribution channel. Although the role of the retail branch is transforming, for the majority of credit unions, the retail branch is still the leading source of new product sales and account relationships and also the largest source of expense to the institution. BranchScape plots each location to help determine if a branch should be focused on profitability, growth, or considered for consolidation. The platform integrates vast amounts of public, institutional, and proprietary data into a consistent analytical framework to evaluate current and future state network configurations. Delivered in an easy-to-use web-based front end, BranchScape assesses market opportunity and recommends strategies to rationalize.

Core Benefits

Branch Performance

To gauge the success and efficiency of each branch, BranchScape uses a proprietary Machine Learning code for comparing the relative efficiency of branches by using input factors, such as FTE hours, square-foot of space, resource utilization, and other important factors.

Analyze Competitive Landscape

Support the field with key competitor metrics updated daily to easily track pricing, marketing, and sales campaigns.

Set Specific Goals for the Branch

Build a detailed network strategy and identify and implement profitability levers based on key performance metrics.

KEY METRICS & DELIVERABLES

  • Cost transparency: Greater cost transparency and data to enable effective management and decision-making going forward.
  • Speed and efficiency analyses of both core and support functions.
  • Quality of service analysis.
  • Better use of focused sourcing, shared services, etc. to improve the cost position.

KEY MODULES

Branch Scorecard

Top-down and bottom-up performance benchmarking using proprietary input data to identify a branch's efficiency, relative to strategic positioning.

Market Analytics

Analysis of the Competitive Landscape for each branch.

Multi-Channel Analysis

Track, segment, and analyze channel transactions and customer segments. Features include reporting on segment distribution and trends.

Branch Productivity Matrix

Run a variety of scenarios to identify the best combination of branch-level actions to maximize growth.

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