Tag: Data Analytics


Bank Marketing


Learn From A Pirate - Negotiating Bank Products With Customers


How Banks Can Make Better Use of Google Analytics

In 2017, Google Analytics is entry level stuff, but we are floored by how many banks are not taking advantage of the service on their website. We know when a bank isn’t using Google Analytics (GA) as we can see the source code on every bank’s site and see if it has the Javascript on it that communicates with GA.

Using Sentiment Analysis For Reputation Risk Management

Data Driven Reputation Risk Management

When it comes to risk management, one of the major pillars to monitor and manage is reputational risk. Unlike credit or interest rate risk, reputational risk is hard to define and even harder to quantify. Given the number of discussions on various news platforms, social media channels, and forums, there are hundreds and usually thousands of discussions taking place without a bank’s knowledge.

What Data Banks Use To Personalize Their Marketing

Personalized Marketing


Why 3 and 5-Year Loan Maturities May Not Be The Best Idea

Loan Structuring

If truth be told, banks think very little on where to set their commercial loan maturities. That could be a mistake as setting maturity not only impacts credit and liquidity risk, but also has a significant impact on profitability. Today, we will step through two different loan structures to demonstrate the difference in both credit risk and risk-adjusted return. By understanding the finer points of setting future loan maturities, banks can improve performance.


An Example


MSA Home Price Stress Test Data

Interesting research from JP Morgan below using CoreLogic data that shows their stress test (similar to the Fed's CCAR scenarios) to various negative, severe and depression scenarios ranked by what city would suffer the most. Makes us remember what a 20% retrenchment would look like.  


Stress Test

The LTV vs. Pricing For Commercial Real Estate (2015 Edition)

LTV and Loan Pricing

Loan pricing depends on many things including cash flow, geography, property type, tenant mix, lease structure, borrower, loan structure and leverage. While loan pricing is primarily driven off cash flows, banks spend an inordinate amount of time worrying about loan-to-value (LTV), but little time adjusting for pricing. Today, we look at the relationship between LTV and loan pricing using data from the month of March.


The Data


Using Algorithmic Models To Train Your Bank Staff

Bank Performance  Models




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