For commercial and corporate banking
Every relationship manager's portfolio by client and product: lending, deposits, treasury, FX, trade. Where share of the client's banking wallet is thin, what it is worth, and which RM has the capacity to go after it.
Banks know cross-sell matters and cannot see it per client. Covirage computes products held against what similar clients hold, values the gap, and ranks it per RM.
Held against the sector norm, valued at the bank's own margins.
Clients per RM and contact load, so the gap list is one an RM can actually work.
Portfolio revenue equals the ledger, asserted every refresh. Finance signs off once.
Three steps, in this order.
A scheduled file from each, or an upload. Client IDs only.
Your segmentation. Defaults are provided.
Each RM sees their portfolio. Regional heads see the roll-up.
Short answers. The Help centre has the long ones.
Yes. The Enterprise plan deploys inside your tenant with a forward-deployed engineer.
Revenue by client, product and RM, from the ledger, plus the CRM for contact history. Client IDs only.
By your segmentation. The default is the median product set of clients in the same sector and size band.
Analytics software for commercial banking, compared · Alternatives to named products
Written for this desk: the measures, the data you already hold, and the arithmetic.
How a commercial bank measures cross-sell per client and per relationship manager from the ledger: the products each client holds, what clients of that sector and size usually hold, the valued gap, and the roll-up that reconciles to the ledger so finance signs it once.
16 Sept 20264 min readHow a commercial bank finds the relationships whose operating balances have fallen against their own baseline while the accounts remain open, from the daily or month-end balance file: the balance baseline per customer, the decline signal, the split between seasonal, business-driven and moved-elsewhere, and the list per relationship manager ranked by the balances that have gone.
16 Sept 20262 min readHow a commercial bank reads utilisation of its committed credit facilities per customer from the facility register and the balance file: drawn against limit, the trend over four quarters, the customers at persistently low utilisation paying commitment fees on lines they do not use, the customers near the limit who will ask for more or go elsewhere, and the relationship reading each pattern supports.
16 Sept 20263 min readHow a commercial bank finds the borrowers who hold a loan and nothing else, from the loan book and the deposit and product ledgers joined on the customer identifier, values each by the deposits and fees similar full-relationship customers hold, ranks them per relationship manager, and separates the ones worth a conversation from the ones who bank elsewhere by design.
16 Sept 20263 min readHow a bank measures referral flow between its commercial, treasury, wealth and card lines from the referral log and the product ledger: referrals made per relationship manager, referrals that became a product within a stated window, revenue attributed, the lines that receive and never send, the owners whose customers hold products in other lines with no logged referral, and the identity that ties referral revenue to the receiving line's ledger.
16 Sept 20262 min readA cross-sell list longer than a relationship manager can work is a report. This guide sets out how a commercial bank measures RM capacity from client counts and contact history, caps the valued gap list per RM at what can be worked in a quarter, and reads the difference between an overloaded RM and an under-covering one.
16 Sept 20263 min read