PCS Circulatory Strategic Business Model

Financial services companies succeed on knowledge capital created from information, developed from data... meaningful data.

Making good executive decisions in financial services requires a complex array of information that needs to be gathered, compared, and used in decision making. It requires first forecasting, then the ongoing analysis of  loan products, deposit products, marketing and distribution channels, portfolio delinquency and risk, asset and liability management, equity and debt capital costs to name just a few.

Over time individual departments typically construct a variety of models in Excel or other applications for bottoms up analysis culminating in the input or integration to a general accounting system. The issues created by this reality are opportunities for you to vastly improve your strategic forecasting, scenario planning, data collection, real time  integration and consistency in understanding and driving your business.

The bottom line is better forecasting, better information gathering, faster comparisons and analysis, resulting in improved thinking and agility and improved odds of success.

Description. This model is a  robust model for Banks, Mortgage financial services companies. It allows current information to be input for a clear view of what's happening today as well as the ability to change assumptions for forecasting. A sample of the assumptions you can use are as follows;

Financial statement information - Copy and paste current line item financial information to see your current costs per (FTE, Volume, Units etc.)

Marketing channel data - Enter as many marketing channels as you use and the amount of leads coming through in percentages, the costs per channel.

Staffing - Enter positions, salaries per position, commission rates per position based on any number of variables, space requirements per position and costs.

Products - Enter as many loan products information as you wish to model and the variables related to each such as fees, yields, gain-on-sale, lead to application rate, application to close rate, average loan balances and the  percentage of each product that you forecast booking in the scenario.

Outputs include - Full financial statements by line item, FTE forecast by month, ratios and more!!