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THE BANK/BHC AND ITS REGIONAL COMPETITORS

TerritorioBanca provides at-a-glance key financial statistics of the Bank/BHC and its competitors. The statistical information is enhanced by a live Geocoding/Mapping system that shows the branch locations of both the Bank/BHC and its competitors.

The Bank/BHC’s loans, deposits, NPLs and interest rates can be analysed in depth by both industry and economic sectors (NACE) via multiple layers of geographical administrative boundaries or within internal commercial areas as defined by the financial institution.

Regional Bank/BHC performance data are enhanced by interactive visual displays presenting readily understandable, synthesized analysis of the most significant performance benchmarks and trends.

Branch Geocoding is available by street address, municipality, county, region, macro-region, or a pre-defined distance from any other address.

Monitoring loans, deposits, and NPLs

  • A suite of Dashboards drives detailed analysis of the Bank/BHC’s services including loans, deposits, and NPLs summarized by Customer Industry, Customer Economic Activity (NACE), Customer County of Residence or Branch Municipality.

Analyzing loan interest rates

  • The Bank/BHC’s lending interest rates are summarized, analysed, and compared with the average rates of a peer group according to branch location, type of industry (e.g. Consumer vs. Producer), type of product (e.g. Mortgage Loan vs. Checking Account) and type of rate (e.g.Adjustable Rate vs. Fixed Rate). Period end mortgage loan interest rates are available along with new business loan interest rate by previous quarter.

    With a range of filtering features, charts, and interactive thematic maps, the Dashboard presents all data necessary for comparative analysis at any given period in time as well as from a historical perspective.

Financial Services and ISTAT demographic information by Branch Municipality

    The most important financial measures and indicators of the Bank/BHC are compared with average measures and indicators of a peer group within the Municipality. This is the most in-depth analysis layer provided by the Italian banking industry and because of data protection is only available to those Municipalities with three or more Bank/BHCs branches.

    At Municipality level, the available data includes:

    • ●Total Loans
    • ●Total Deposits
    • ●Total Number of Loans/Deposit Accounts
    • ●Number of Employees
       

    ISTAT (Census) demographic information of each Municipality—including geographical area, population density, and relative rankings—interact with financial analytics to provide a unique multi-layered tool to enhance and drive the Bank/BHC’s business decisions.

A Geocoding Mapping Tool

BranchLocator in TerritorioBanca is a GIS tool designed exclusively for the banking industry. The address of every Branch of every Italian bank is geocoded. An advanced search engine provides filtering by Bank/BHC name or geographical criteria (e.g. address, municipality, or region). Based on the filtering path and the selected administrative level the mapped results are enhanced and complemented by indicators and statistical information about the localized Banking industry with the usage of BI algorithms such as “nearest competitors.”

The most popular search criteria are:

  • ●Address and distance
  • ●Municipality
  • ●County
  • ●Region
  • ●Country
  • ●Bank or BHC

AN INTERACTIVE NAVIGATION TOOL

TerritorioBanca embraces data-centric presentation and its unified data platforms are as accessible to executive management as they are to peripheral analysts. TerritorioBanca provides at-a-glance visuals of performance facilitating both executive-management processes and analysis with specific geographical marketing units. A multi-layered territorial structure provides easy navigation and understanding of KPIs within their physical context. At any step a geographical entity’s statistics (e.g. the county) may be instantly compared with those of similar-level entities (e.g. other counties within the region) or to its higher-level entity (e.g. the region as a whole). Detailed analysis of the measures, indicators, and KPI (if applicable) are provided, as is comparative analysis of the averages of the peer group.

TerritorioBanca manages the profiling and aggregation of information based on each of the Bank/BHC’s internal-marketing territorial divisions. By presenting these statistics in a unified data platform, analytics may be distributed to and used by area marketing managers in exactly the same format as may be used by the Bank/BHC’s Chief Executive Officer.

TerritorioBanca’s analytics platform provides the internal and external resources needed to analyze multi-level indicators and measures and to reveal ranges and distributions within performance results at any relevant geographical level.

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