Portfolio Rollforward : Continuity Report

The Portfolio Rollforward is a standard report produced by FlowTracker. It provides a product level summary of the flow of funds that have occurred in all of the accounts in the retail banking portfolio (deposits and loans) within a time period.

The flows are classified by the type of funding activity FlowTracker has identified. The flow types displayed are account switches (e.g. renewal, branch transfer), product switches (e.g. savings to term deposits), small changes (interest, fees, amortization, other small changes), and new and lost money. Also included are the portfolio opening balance and closing balance, providing a complete reconciliation of the portfolio on a flow of funds basis.

On this report the flow figures shown are the net of increases and decreases. The underlying data provides full detail of increases and decreases all the way down to the account level.

This report is accompanied by a SAS dataset and an ASCII text file of the same name ready for import into your analysis and reporting tools of choice.

Product Funds Flow : Cannibalization, Cross-sell, Acquisition and Attrition

The Product Funds Flow report shows a cross-tab matrix of sources and destinations of funds flows into, out of and between product portfolios.

This report illuminates the extent of product substitution and cannibalization that has taken place within a period of time, along with new money and lost money flows. Underlying this report is account level event data, which details the source and destination of every flow of funds for every account in the portfolio.

This data is extermely useful for understanding the relationships between products as they are used by your customers, a key input for management of relative product value propositions and product bundling strategies in a multi-product business such as retail banking deposits (and lending, too).

In addition the detailed data is useful for predictive analytics by enabling far more precise target behaviour selection and adding new events representing individual customer-product decisions into the predictor data population.

Branch Funds Flow : Network Growth Analysis

The Branch Funds Flow report shows a cross-tab matrix of sources and destinations of funds flows into, out of and between branch locations.

This report is useful for evaluation of branch acquisition and retention performance, because it explicitly measures flows between branches. The underlying data enables full drill down within these flows to identify the products, customers and accounts that moved within the network.

When you acquire a set of branches through M&A activity, open new locations or close branches it is crucial to track flows of money between locations to ensure that real acquisition and retention performance is tracked and "branch raiding" is controlled.