Recurring Revenue Analysis – Recurring revenue analysis is a comprehensive analysis of the entire bank’s revenue producing products and services. Our analysis and methodology looks deep within banking operations to locate hidden income opportunities such as correcting less profitable system settings to generate immediate and sustainable revenue.
Bank Core System Profitability Analysis – Lodestone Banking has considerable expertise on all core banking platforms. We know their capabilities and limitations so we know how to get more revenue out of them. Lodestone is adept at using a client bank’s core banking system to both identify profit improvement opportunities and manage settings so as to realize earnings benefits. Traditionally, banks have viewed their core banking systems as purely transaction processing and accounting systems, rather than as tools to implement improved earnings.
OD Matrix – 100% compliant. This product typically adds $200,000 - $300,000 of non-interest revenue for every $1 billion in bank assets. Will not interfere with a bank's automated overdraft decision making product. The OD Matrix can easily be implemented on all core systems.
Merger and Acquisition Consolidation Analysis – Determine the appropriate internal organizational structure, the location for various deposit and lending activities in addition to the required staffing level at all locations. Optimizing your profits requires a keen focus on right-sized departments to execute the business function (at times, generating additional revenues and profits requires adding key personnel within critical business functions). We identify improvements in procedures, workflow, data processing and other automation opportunities. Merger and Acquisition Consolidation services can be used to better identify the projected value from combined organizations or to help achieve such projections after the acquisition or merger.
Commercial Lending Profitability Analysis – This analysis service improves lending business processes by streamlining and standardizing working methods, including credit administration. We review and analyze every commercial lending function, system and process as well as review knowledge level of all personnel and reporting structures. Our recommendations result in improved customer service and utilization of systems, reduced redundancies and processing times, and right-sizing resource levels for maximum revenue and profits
Profit Isolator – 1. Identifies lost revenue for specific profit drivers. 2. Isolates the specific unit requiring immediate attention. 3. Calculates and provides comparative Profit/Loss income and ratios. 4. Provides reports that empower management with solutions to increase their revenue.
Yield Calc – Our Yield Calculator takes essential & proven credit factors into account to ensure the approved new or existing loans meet or exceed the corporate threshold yield while improving loan portfolio soundness.