BANKING

Handling Your Complex Calculations and Large Data Volumes with Ease

When it comes to outlining, organizing, and optimizing a company’s big data, nobody does it better than Performance Analytics.

We utilize Net Interest Margin modeling to solve complex calculations on large volumes of data—which often include account-level data about Mortgages, Car Loans, Time Deposits, and more. Our primary objective is to accurately and succinctly project all your future asset and liability balances against future market interest rates. This provides you with net interest income ﬁgures, which represents your interest earned on assets—like loans and investments—minus interest expenses on liabilities, such as deposits and borrowings.

The Banking industry has unique models to plan and forecast their ongoing business interests, but must ensure that they combine traditional Finance FP&A with Balance Sheet and Net Interest Margin Planning
Traditional budget processes consists of the following elements: Net Interest Margin Planning, Capital Expenditures, Human Resource, Operating Costs and Fee Revenue
In addition to the standard general ledger data set, which produces ﬁnancial statements and supports internal controls, banks also require easy access to sub ledger account detail for investments, loans, transactional deposit accounts, time deposits and borrowings
In order to calculate Net Interest Margin, banks must be able to integrate data from loans and deposits with their traditional ledger data sets—then apply growth and interest rate drivers to calculate principal cash ﬂows and earned interest
These calculations should include projections based on the attributes of existing customer accounts and the anticipated attributes of new balances
These new assessments must, of course, be based on forecasted interest rates