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Maximize Performance Reduce Risk Save Time SNL has officially launched SNLBanker, a new solution for banks. This presentation briefly explains how SNLBanker can help your firm maximize performance, reduce risk, and save time. To see how banks like yours are gaining greater insight into their operational and financial data, please contact us directly at 434.951.7681 or via email at [email protected] to arrange your demo. John Montgomery, CFA, CPA John-Patrick O’Sullivan Director of Financial Institutions Group Assoc. Director of Banking [email protected] [email protected] 434.951.7669 434.951.7681

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  • Maximize Performance

    Reduce Risk

    Save Time

    SNL has officially launched SNLBanker, a new solution for banks.

    This presentation briefly explains how SNLBanker can help your firm maximize performance, reduce risk, and save time.

    To see how banks like yours are gaining greater insight into their operational and financial data, please contact us directly at 434.951.7681 or via email at [email protected] to arrange your demo.

    John Montgomery, CFA, CPA John-Patrick O’Sullivan

    Director of Financial Institutions Group Assoc. Director of Banking

    [email protected] [email protected]

    434.951.7669 434.951.7681

    mailto:[email protected]:[email protected]:[email protected]

  • 2 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Today’s Challenges

    1) Today’s rate environment means tighter margins and reduced profitability from traditional banking

    1. Do you have the data and tools to manage your margins on a daily basis and understand the drivers behind changes?

    2. Can you provide employees real-time insight into their performance and how it is trending vs. company targets?

    3. Do you wonder how to increase your cross-sell ratio or which products to market to different customers?

    4. Are you maximizing your potential for noninterest income to supplement income from reduced margins?

    2) Managing and understanding risk throughout the organization has become more important than ever

    1. Does your entire organization from the board to branch managers have insight into the various types of risk (credit, operational, liquidity, etc.) that each of them manage and whether they are within company thresholds?

    2. On a daily basis, can you see where credit risk is concentrated and drill down to the customers driving the risk?

    3. Can you easily demonstrate to your regulators how you are managing risk throughout the organization?

    3) With increased regulatory demands and continued economic challenges, community banks are forced to operate as efficiently as possible and do more with less

    1. Are you spending more time preparing reports and statistics for the board, ALCO meetings, regulators, auditors, and others than actually analyzing the data?

    2. Do you struggle to get the right data on branch efficiency and whether they can improve?

    3. Would you like more data on how customers interact with your bank and how that impacts expenses & revenue?

    SNLBanker addresses all of these challenges and more…

  • 3 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Introducing SNLBanker

    SNLBanker is a comprehensive reporting and analysis tool that seamlessly integrates with all of your systems, turning vast amounts of unconnected data into actionable information

    The intuitive and customizable dashboard puts critical information in the hands of decision-makers at all levels of the bank

    Use over 150 standard reports and create custom reports and calculations in a matter of minutes

    “SNLBanker has become a launching point for making decisions at Kleberg Bank. All bank employees, from the CEO to personal bankers, can see integrated banking data in a way that is meaningful and useful for their role and responsibilities. All of our data is seamlessly combined and available for analysis, without sacrificing data integrity or network performance.

    - Brad Womack, VP and Controller at Kleberg First National Bank ($422 million in assets)

  • 4 Maximize Performance ▪ Reduce Risk ▪ Save Time

    SNLBanker is Unlike Any Other Solution

    Works with all Core Processors, Ancillary Systems (i.e., General Ledgers, Teller Automation Systems, etc.), and even custom databases and spreadsheets maintained by the bank

    Creates reports that combine data from multiple sources and quickly drills down into individual account & customer level details

    Allows you to easily create or customize any type of report or custom formula by using “click and drag” functionality – no longer rely upon only a couple of people who are familiar with technical queries in order to obtain data

    Provides report & data level security based on roles and departments to ensure that each employee only accesses the appropriate information

    Leverages SNL’s world-class support team, including dedicated Advisers for every bank

    Offers exclusive access to the SNLBanker Community that gives you opportunities to learn how other SNLBanker members are maximizing their performance, reducing risk, and saving time

    Fast implementation with minimal IT involvement from your bank

    SNLBanker helps banks maximize performance, reduce risk, and save time

  • 5 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Maximize Performance – Branch & Financial Performance

    Evaluate performance across the organization on a daily basis, benchmarked against organization goals & budget

    By using the dashboards and reports within the solution, you can incent and compensate employees based on profitability and other metrics related to their area. Employees can quickly access these reports to measure their progress in a real-time basis

  • 6 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Maximize Performance – Margin Analyzer

    Monitor changes in balances and yields for assets and liabilities on a real-time basis

    Immediately understand the impact of these changes on your overall profitability

  • 7 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Maximize Performance – Performance Scorecards

    Create scorecards with role-based security to allow every stakeholder to measure their performance and alignment with overall goals

    Track several financial and non-financial metrics related to customer value, customer loyalty, effective fund management, operational capability, earnings, risk mitigation, etc.

  • 8 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Maximize Performance – Householding & Cross Sell Opportunities

    By implementing householding rules, your customers can be grouped into business and consumer groups. Penetration, cross selling and retention can be tracked to give you greater insight and improve profitability

    SNLBanker’s unique “Recommend Product” feature exposes cross sell opportunities and helps your officer and marketing teams strengthen relationships with current customers

    Incorporate segmentation information from Nielsen Claritas and other sources to better understand your customers

  • 9 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Maximize Performance – Waived Fee Analysis

    Quickly understand how effectively your bank manages waived fees and exception pricing . View waived fees by officer, branch, customer, and/or product for a single period or over several months to identify trends that need to be addressed that could impact noninterest income

  • 10 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Maximize Performance – Product Analysis

    Track the open/close rate of various products to better understand client relationships and refine product strategy, especially as it relates to the migration of customers to new products

  • 11 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Maximize Performance – Cash Inventories

    Analyze cash inventories by location on daily, weekly, and monthly basis in order to more effectively manage this non-earning asset. Repurpose previously non-earning assets into earning assets to improve profitability

  • 12 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Maximize Performance – Teller & Channel Management

    Analyze teller performance metrics on customer traffic, costs, and channels. Use this analysis to help drive decisions related to efficiency, staffing levels, and branch space in order to improve the customer experience and maximize profitability

  • 13 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Reduce Risk – Role Based Dashboards

    Dashboards provide real-time insight into various areas within your bank for all of your employees.

    Customizable security features ensure that employees only have access to the appropriate reports and data, ensuring that they are properly monitoring the areas they are responsible for

    “Before SNLBanker, we could only analyze data at the account level and couldn’t trend our data at all to try to predict what may happen with particular accounts or activities. Now we can easily identify significant account changes, spot deposit trends and identify at-risk relationships in order to proactively intervene ahead of time, rather than attempting to revive an account after it was closed.

    - Scott Weaver, President of Voyager Bank ($350 million in assets)

  • 14 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Reduce Risk – Understand Underlying Causes

    Negatively Rated Loans by Organization

    Just click the chart or expand the data table to instantly see negatively rated loans by branch or loan officer

    Understand underlying causes by quickly drilling into the details - click numbers or charts to see additional detail all the way down to the individual account & customer level

  • 15 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Reduce Risk – Collateral Concentration

    Use the Collateral Concentration report to understand exposure and risk in real-time. Report integrates data from the core, GL, and other sources

  • 16 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Reduce Risk – Commercial RE Stress Test

    By integrating data from several sources, you can simulate various scenarios and their impact on both individual Commercial RE loans and the portfolio as a whole – understanding where risk may be concentrated among your portfolio

  • 17 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Save Time – Create Custom Reports

    Quickly create any type of report or analysis by using the “click and drag” functionality – any user can build new reports or modify existing reports – just drag and drop the field, hit refresh, and immediately see the updated report in less than 2 seconds

    In a single report, users can incorporate fields from a variety of sources including core processors, ancillary systems, and even spreadsheets

    With SNLBanker, we’ve eliminated the consumption of half a million sheets of paper per month, we’re producing better reports in more efficient ways, and we’re confident our bankers are now taking action based on accurate, valid information.”

    - David Marks, Director of IT at Anchor Bank ($1.3 billion in assets)

  • 18 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Save Time – Custom Formula Builder

    Easily create custom formulas within your actual reports. You can use most of the Excel functions, such as sum, average, Concatenate, etc. in these formulas

    Custom formulas are saved as part of the report and are updated automatically when other data in the report is updated. This eliminates the need to constantly export data to Excel for further analysis

    Allows you to use one tool for your analysis instead of three. (Many banks typically use one tool to obtain the data, Excel to analyze the data, and Outlook to distribute the analysis. SNLBanker does all three of these functions)

  • 19 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Save Time – Schedule Reports

    Schedule reports to be distributed on a daily, weekly, or monthly basis, ensuring your organization receives the reports they need in a timely manner

    Use SNLBanker’s security features to ensure that each user, role, and/or department only has access to appropriate information – loan officers have access to data and reports related to only their clients while Executives can access all data and reports. Allows you to create one report, instead of several, when users have varying degrees of access to the data

  • 20 Maximize Performance ▪ Reduce Risk ▪ Save Time

    Save Time – Standard Report List

    SNLBanker comes installed with over 150 pre-built reports for various areas and employees of a bank. Each report can easily be customized to meet your exact needs. Some of these reports include:

    General Risk Mitigation Credit Quality Marketing

    Cross Sell Ratio Corporate Goals Stress Test Commercial Real Estate Current Portfolio Quality Account MTD Variance Report

    Current Loan Portfolio by Branch 18 Month Loan Rate Trends Current Loan Portfolio by Risk Rating & Org. CD Customers wo/ Deposit Acct. by Branch

    Global Customer View by Officer Collateral Concentration Report Delinquent Loan Monthly Monitor CD Only Relationships

    Global Officer View by Organization Current Loan Portfolio Participation High Risk (Negative) Loans Monthly Tracking Channel Mix Analysis

    Global Product View Current Loans by Branch Provisions & Reserves by Organization Channel Mix Analysis by Customer Age

    DDA Variance Report Current Loans by Call Report Code Past Due Loan Reports Channel Mix Analysis by Proximity

    Trend Branch Comparisons Current Loans by Collateral Code Trend Loan KPI's by Organization Customer Retention by Customer Age

    Trend Customer Comparisons Current Loans by Product Type Trend Loan KPI's by Product Customer Retention by Product

    Trend Product Comparisons Current Loans by Purpose Code YTD Charge Off Loans by Loan Officer Customer Retention by Proximity

    Large Loan Commitments by Customer YTD Charge Off Loans by Loan Type Customer Retention Trends by Age

    Financial Management Loan Only Relationships YTD Charge Off Loans by Organization Large Deposits by Customer

    Balance Sheet by Chart of Accounts Loan Rates by Product and Risk Rating YTD Classified Loans by Loan Officer Market Segmentation

    Balance Sheet by Organization NSF Report YTD Classified Loans by Loan Type Market Segmentation Trends

    Balance Sheet with Balance Metrics Participation Activity YTD Classified Loans by Organization Maturing CDs

    Balance Sheet with Budget Metrics Past Due Loans YTD Non-Accruals by Loan Officer Maturing Loans

    Branch & Loan Deposit Totals Portfolio by Loan Type YTD Non-Accruals by Loan Type Products by Organization

    By Period Budget to Actual Portfolio by Risk Rating YTD Non-Accruals by Organization Service Usage Analysis

    Earning Power Ratios Risk Analysis by Collateral Code YTD Watch List by Loan Officer Top Customers Matched to Selected Products

    Expenses by Period Budget to Actual Risk Analysis by High Usage YTD Watch List by Loan Type Trend CD KPI's by Organization

    Expenses Status to Date Top 20 Largest Loans YTD Watch List by Organization Trend Deposit KPI's by Organization

    Expenses YTD Budget to Actual Watch List Report Trend CD KPI's by Product

    Income Statement by Chart of Accounts Profitability Management Trend Deposit KPI's by Product

    Income Statement by Organization Gross Profit by Customer Cash Management Top Products to Recommend to Customers

    Income Statement with Balance Metrics Gross Profit by Product Avg. Cash Utilization Trends by Channel New Customers to Bank

    Income Statement with Budget Metrics Officer Gross Profit by Customer Avg. Cash Utilization Trends by Day New Products Sold by Product Type

    Income Status to Date Officer Gross Profit by Product Avg. Cash Utilization Trends by Location Top Products Matched to Prospect Profiles

    Liquidity Ratios Profitability by Bank Officer Cash Utilization by Channel

    Largest Non-Interest Expenses and Variances Profitability by Customer Cash Utilization by Day of Week Teller Management

    Margin Analyzer Profitability by Organization Cash Utilization by Location Teller Cost Comparisons by Location

    Monthly Balance Sheet Loan Measures Profitability by Product Cash Utilization by Time Teller Cost Comparisons by Time

    Monthly Other Income Totals Top 10 Waived/Refunded Fees Top 10 Branches Cash Utilization by Day Teller Key Metrics by Day of Week

    Net Daily Change - Deposits, Loans Waived/Refunded Fee Trends Teller Key Metrics by Location

    Trend Variances Expense by Type Teller Key Metrics by Time

    Trend Variances Net Income

  • 21 Maximize Performance ▪ Reduce Risk ▪ Save Time

    SNLBanker Review – Maximize Performance

    Gain comprehensive understanding of your bank by integrating data from multiple sources and parties (such as the core, G/L, budget, and other systems) into a single tool to perform analysis on customer relationships, risk, efficiency, staffing, and performance that isn’t possible with other systems

    Monitor financial performance across the bank with daily insight into regional and branch performance. Keep on top of changes in volume, yields, and costs and measure their impact on your spread and overall revenue.

    Improve performance management – motivate employees by giving them insight into how they are being measured and performing on a real-time basis, helping to drive efficiencies and revenue throughout the organization

    Better understand the needs of your customers including what products they’re currently using and what products they should be using more of to help drive your product strategy and profitability

    Gain insight into exception pricing and waived fees to ensure that your bank’s exception pricing and waived fees are only used in appropriate circumstances, such as with your most profitable or loyal customers

    Ensure your assets are properly allocated and effectively deployed – turn non-earning assets into earning assets with the efficient allocation of branch cash reserves

    Increase visibility into operational expenses & efficiencies with increased insight into retail offices, such as variances in cost per transaction across the organization

    Via the SNLBanker Community, learn how other SNLBanker members are maximizing their performance, reducing risk, and saving time – every member, or client, of SNLBanker has access to conferences, webinars, and networking events where best practices and ideas are shared

  • 22 Maximize Performance ▪ Reduce Risk ▪ Save Time

    SNLBanker Review – Reduce Risk

    Understand risks and exposure by loan, loan officer, loan & collateral type, geography, branch, customer/segment type, and other factors on a daily basis, enabling banks to be more proactive in their management

    Understand underlying causes by quickly drilling into the details. Reduce the time needed to find answers by clicking the numbers or charts within SNLBanker reports to understand variances in numbers down to individual accounts & customers

    Keep up with regulatory and auditor demands by easily creating reports and analysis for any unique, new, or one-time request. Quickly update the reports if additional detail is requested

    Gain a higher degree of confidence in the data you’re viewing as a result of the SNLBanker implementation & validation process that can expose discrepancies in the general ledger and other internal reporting

    Track assets from acquisitions and FDIC loss share agreements – evaluate the performance of acquired assets and organic growth

    Immediately integrate data from acquired firms into your analysis and internal reporting – eliminate the need to wait several months for system conversion and integration to get a more comprehensive view of the bank

    Use dashboards and reports for specific departments/areas – ensure that each area of the bank has access to the timely and accurate information they need to perform their roles on a daily basis

    Use SNLBanker’s security features to ensure that each user, role and/or department only has access to appropriate information – loan officers have access to data and reports related to only their clients while Executives can access all data and reports. Allows you to create one report, instead of several, when users have varying degrees of access to the data

  • 23 Maximize Performance ▪ Reduce Risk ▪ Save Time

    SNLBanker Review – Save Time

    Standardize data across the organization – all areas of the bank access the same system for their data needs, creating consistency in reporting and significantly reducing the time checking and verifying data

    Understand historical trends – SNLBanker’s underlying data warehouse archives data over time so you can understand trends related to changes in profitability, loan portfolios, customer relationships, channel usage, and risk

    Leverage over 150 pre-built reports and dashboards to understand the types of analysis that other banks are performing and immediately start to understand your bank in ways that were previously not possible

    Easily create any type of report or analysis by using “click and drag” functionality – no longer rely upon only a few people who are familiar with technical queries in order to obtain data. All you need is a mouse

    Create custom formulas within your reports and analysis that can be saved and updated when data is refreshed. This allows you to use a single tool for your analysis instead of three (most banks use one tool to obtain the data, Excel to analyze the data, and then Outlook to distribute the analysis)

    Automatically redistribute reports on a recurring basis to various employees of your bank ensuring the bank’s employees have the information they need in a timely manner