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Bank Pricing Model

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Overview

Equip’s Bank Pricing model is designed to streamline and enhance the accuracy of your financial pricing strategies. Traditional methods relying on spreadsheets are often inefficient, error-prone, and difficult to manage across multiple files and versions. Equip addresses these challenges by providing a centralized, scalable solution that allows for real-time updates, portfolio-wide analysis, and precise risk assessment. This module empowers financial professionals to make informed pricing decisions with confidence and efficiency.

Key Features
  • Centralized Model Management
  • Equip centralizes pricing models in one secure, accessible platform. This ensures that everyone has access to the most up-to-date information, enhancing collaboration and reducing the risk of errors.
  • Efficient Peer Group Comparisons
  • Quickly and efficiently compare clients within similar peer groups to identify those above or below return thresholds. Equip’s streamlined approach simplifies the process of assessing and adjusting pricing models across multiple clients.
  • Risk Rating Adjustments
  • Deploy risk rating reserve changes across your portfolio to ensure adequate reserves are maintained and that Return on Equity (ROE) and Return on Assets (ROA) targets are consistently met. Equip’s platform allows for efficient, portfolio-wide adjustments that maintain the accuracy of your financial models.
  • Detailed ROE Calculations
  • Perform facility-level and client-level ROE calculations with ease. Equip calculates ROE targets for all risk rating categories, not just the selected one, providing a comprehensive view of your financial standing.
  • Custom Fields for Enhanced Analysis
  • Equip allows for the creation of custom text, date, and numeric fields tied to each client, facilitating sorting, grouping, and tailored analysis. This flexibility enhances relationship and portfolio management by providing deeper insights into client-specific metrics.
  • Portfolio-Wide Relationship Management
  • Enhance relationship and portfolio management by viewing all clients within a peer group along with their respective pricing grids, ROE metrics, and other key financial data. Equip makes it easy to see how each client compares across the institution without the need for manual cross-referencing.
  • CECL Forecasting
  • Improve your ability to forecast reserves and credit losses with Equip’s CECL (Current Expected Credit Loss) forecasting tools. Equip enhances your financial planning capabilities, ensuring that reserves are accurately projected and managed.
  • One-Click Graph Creation
  • Easily create and export graphs with just one click, simplifying the process of visualizing complex financial data. This feature enables clear communication of insights and supports decision-making with visually compelling charts.
Benefits
  • Time and Efficiency
  • Equip reduces the time and effort required to manage and maintain pricing models. By centralizing data and automating key functions, Equip allows financial professionals to focus on analysis rather than administrative tasks.
  • Accuracy and Reliability
  • Equip’s centralized system and portfolio-wide management tools minimize the risk of errors and inconsistencies that are common in spreadsheet-based models. This leads to more reliable pricing strategies and financial forecasts.
  • Collaboration
  • Equip’s platform fosters collaboration by providing a single source of truth for pricing models, accessible to all relevant stakeholders enhancing communication and ensuring alignment across teams.
  • Scalability and Flexibility
  • Equip is designed to grow with your business, providing scalable solutions that adapt to changing needs. Whether managing a small portfolio or a large, complex portfolio, Equip offers the flexibility to meet your financial modeling requirements.
Experience the Difference

Equip’s Bank Pricing model transforms the way financial professionals approach pricing strategies. By providing a centralized and dynamic pricing model solution, Equip empowers you to say goodbye to the inefficiencies and limitations of traditional spreadsheets. Equip your team with the tools they need to optimize pricing decisions and achieve financial targets with confidence.