Blog · Industry
Where net interest income came from this month, and what moved it. Which products grew balances and gave the margin away. Which segments hold the fees. Which branches and channels are opening accounts that never fund. From the product, balance and fee files you already produce, reconciled to the ledger.
Measure online banking activation, active usage and task completion from aggregate exports. Follow a worked channel comparison, exact spreadsheet formulas and reconciliation checks.
Oct 25, 20265 min readChurn in banking separates closed products, lost relationships and inactive accounts. Reconcile all three to a fixed opening cohort and compare the relationship revenue attached to each outcome.
Oct 16, 20265 min readA bank operations manager needs measures of processing speed, accuracy, queue health, and cost. This guide works a branch comparison from aggregate exports and shows the checks that make the figures useful.
Oct 4, 20266 min readCredit union liquidity measures compare cash, short-term investments, loans and funding balances. Follow an NCUA-defined ratio through a worked balance-sheet example, then connect the result to cash availability and ownership of the follow-up.
Oct 1, 20266 min readCompare retail banking interest and fee income using branch, product and customer segment exports. Separate balance changes, effective rates, account activity and realized fees, then reconcile the result to the ledger.
Sep 29, 20265 min readCompare credit union earnings, capital, lending and asset quality with consistent formulas. Work through two years of financial inputs, check the balances and distinguish management indicators from regulatory capital calculations.
Sep 21, 20266 min readA retail banking dashboard connects branch income with product activation and customer balances. A worked branch example shows the calculations, a single-input variation and the checks needed before explaining performance.
Sep 8, 20266 min readHow retail banks should choose analytics software: start from the questions, check the data you hold, ask vendors ten questions, avoid the traps.
Sep 2, 20263 min readMarketing analytics in banking follows campaign responses through account opening, funding, activation, and recorded revenue. Build a comparable cohort table from approved exports, calculate the measures in a spreadsheet, and reconcile the results before changing a campaign.
Sep 1, 20266 min readCompare branch and channel operating costs using documented activity drivers. Build a cost-per-transaction worksheet, reconcile allocated expenses and separate volume effects from spending changes.
Aug 21, 20265 min readCompare banking transaction activity, balances and product use without confusing a decline with a confirmed customer exit. Work from prepared exports, calculate changes in Excel and reconcile the relationships behind each result.
Aug 15, 20265 min readCompare relationship balances, product holdings and retention from prepared banking exports. Build a fixed customer cohort, calculate the group measures in Excel and reconcile every total before interpreting the differences.
Jul 27, 20265 min readBuild retail banking groups from approved product, activity and contribution exports. Use explicit assignment rules, calculate group comparisons in Excel and check that every relationship appears exactly once.
Jun 21, 20265 min readBank customer lifetime value starts with contribution across a customer's banking relationship. This worked method combines product income, agreed funding allocations and costs, then separates historical cohort evidence from future retention assumptions.
Jun 14, 20265 min readCredit card customer lifetime value depends on contribution after funding, rewards, credit losses and servicing. Work through a supplied cardholder cohort, discount its projected contribution, and check the costs and original-customer denominator.
Jun 12, 20266 min readIncome analytics for retail banking. Balance, rate and mix, by product, segment and branch.
See the page