OptiBrain sector play · within Opti
OptiBanking
Balance-sheet choices with their P&L attached.
The decision workflow
Which drivers changed product profitability?
Inputs
- ◆ Balances by product & branch
- ◆ Rate path
- ◆ Cost to serve
Constraints
- ◆ Liquidity & capital ratios
- ◆ Risk appetite
- ◆ Branch capacity
Alternatives
- ◆ Reprice deposits
- ◆ Shift mix
- ◆ Reallocate capacity
Output
A pricing and portfolio decision showing NII, risk and capital effects
What it does.
Product profitability
NII, fees and cost to serve by product and branch.
Pricing
Deposit and loan pricing against the rate path.
Liquidity & funding
Funding mix within ratio limits.
Portfolio
Grow, hold or exit, with capital consumption shown.
Back to the P&L
Every operational move, priced.
Spread bp→Net interest income
Mix→Capital consumption
Cost to serve→Cost-income ratio
Discuss your banking challenge.
Start here directly, or begin with OptiPlan for financial discovery. Scope and success criteria agreed upfront.