Echubank cost-benefit analysis system provides the following functions:
⒈ Provide accurate profitability analysis report of the bank's customers. Identify the top 20% of customers who generate 90% of the bank's profits;
Peak provides an accurate profitability analysis of the bank's products. For the bank's decision makers to point out the bank's first few products are the most profitable, what kind of products and services are most needed by customers ..., so as to vigorously develop products to gain benefits;
Provide advanced cost management system. Through multi-faceted cost management, we can effectively control and reduce the bank's costs, thus obtaining an increase in profits, and through the analysis of costs, we can evaluate the performance of various departments and different business segments, so as to make managerial decisions and evaluations;
Providing advanced risk prediction and analysis. By analyzing the cost performance of the bank, we can minimize the bank's risk and make the bank invincible in the new round of competition.
The following is a detailed description of the main functional modules of this system.
Sung 1 Asset Business Cost-Effectiveness Analysis
This section includes the following items:
Loan Interest Income - various types of loan balances * Loan Interest Rates;
Business Tax and Surcharge - various types of loan balance * internal funds rate;
Internal interest expense;
Interest income;
Loan loss;
Net interest income;
Fee income;
Exchange gain/loss,
Other operating income;
Administrative expenses;
Operating expenses;
sunglasses 2 cost-benefit analysis of liability business
This section includes:
Internal Interest Income - (Deposits - Reserve for Deposits) * Internal Funds Rate
Superior Deposit Reserve Income - Reserve for Deposits * Deposit Reserve Rate
Deposit Interest Expense - Deposits * Deposit Rate
Net Interest Income;
Fee Income;
Exchange Gain or Loss;
Other Operating Income;
Administrative Expenses;
Operating Expenses;
Operating Expenses.
Net Income;
Sung 3 Funding Segment Performance Analysis
Includes:
Internal Interest Income - (Deposits - Reserve for Deposits) * Internal Funds Rates
Superfunded Reserve Income - - Reserve for Deposits * Reserve for Deposits
Superfunded Reserve Income - - Reserve for Deposits - Deposit Reserve * Deposit Reserve Rate
Interest Expense on Deposits - Deposits * Deposit Rate
Net Interest Income;
Fee Income;
Exchange Gain or Loss;
Other Operating Income;
Administrative Expenses;
Operating Expenses;
Net Income
Sung 4 Analysis of Customer Deposit Earnings
Includes:
Earnings on Funds Available to the Bank - (Deposits - Deposit Reserves) * Average Loan Interest Rate;
Earnings on Deposit Reserves - deposit reserves * deposit reserve interest rate;
Gain on customer deposits;
Interest expense;
Net income; Methods: transfer price, activity cost method
The cost-benefit analysis system adopts the internal fund transfer price and the operation cost method can accurately calculate the production costs of products, accounting for product costs and revenues, and accurately accounting for the costs and revenues of each department. The internal transfer price pricing model is determined based on the weighted average marginal cost rate of funds or the marginal cost rate of a single source of funds;
Be careful with the 2 data acquisition
Through ODBC can be connected to any of today's mainstream databases;
Graphical interface configuration, easy to operate;
Data sources of data any choice of configuration;
Be careful with the 3 system configurations Platform
Configuration platform includes:
1, system initialization, organizational information, responsibility centers, product information, customer information, cost sharing, transfer pricing, help, etc.;
2, a variety of data parameterized configuration, business changes do not need to modify the program;
With the following features:
Automatic collection of data;
Expense accounts are self-configuring;
Flexible settings for cost-sharing;
Organizational information is clear;
Customers and accounts clearly correspond;
Product information is complete;
Funds bank is well defined;
Be careful with the 4 Data Processing (back office)
One of the system's back-office data processing features:
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1, a variety of analysis methods to meet different needs
Detailed analysis;
Historical analysis: specify the starting and ending dates by month, quarterly, yearly list of period data;
Comparison analysis: Specify any two dates of analysis by the number of statistics on the same day, the cumulative number of the month, the cumulative number of the year for comparison;
Ranking analysis: Specify the number of ranking, ranking mode, ranking indicators by day statistics mode, ranking indicators by the number of statistics on the day, the cumulative number of the month, the cumulative number of the year for ranking analysis;
2, the use of financial data analysis model for analysis and comparison
3, powerful combination of report parameters
Specify any statistical analysis date
Specify any level of product classification, customer classification, departmental classification, etc.
2, the system backend data processing mode. >Second, the system background data processing mode:
1, the management cost sharing levels and steps
Vertical apportionment of the relevant departments of the upper and lower rows
Horizontal apportionment between the relevant departments of the peer group
Apportionment of the departmental management costs after apportionment of the apportionment of the products belonging to the department
2, based on the cost apportionment of the costing model of the product
Principles of formulating apportionment criteria - causality, degree of resource consumption
3. Departmental cost apportionment criteria
Labor costs - by number of people in the department
Equipment costs - by type and number of equipment used in the department<
Site rent - by departmental office space
4. Product cost sharing criteria
Number of single product accounts as a percentage of the number of all product accounts in the department
Balance of single product accounts as a percentage of the total number of all product accounts in the department
Transaction value of single product as a percentage of the total amount of all product transactions in the department
Total product transactions as a percentage of the total amount of all product transactions in the department
Proportion of single-product transactions to total transactions of all products in the department
Weighted average of the above
5. Activity-cost based product costing model
Cost of each key business process
Proportion of cost of each business product in it
Actual cost of each business product in it
Total product cost
Total cost of each business product in it
Actual cost of each business product in it
Total product cost
Total Product Cost Accumulation
Careful 5 Report Presentation
The system uses advanced report generation tools to support the production of fixed and customized format reports in a variety of formats.
Features:
Report web browsing, convenient and easy to use;
Powerful function, wide coverage;
Report types to meet the management needs;
Rich format to meet the actual needs;
Report format, the number of decimal places can be adjusted;
Reports can be free to print or set of tables to print. Timely, comprehensive and accurate collection of various types of useful data and information;
Establishment of various types of management science methods, providing various types of auxiliary decision-making models;
Powerful multi-dimensional analysis of data;
Comprehensiveness, timeliness, traceability and comparability of data;
Support for a variety of file formats (PDF, HTML, XML, XSL);
Reporting powerful, wide coverage to meet a variety of practical needs;
Provide **** enjoy the information resources, and the implementation of effective and dynamic management;
Sustainable development of the system, ease of use;
Friendly interface, easy operation;