COMPETITIVE INTELLIGENCE
a m a n ag e m e n t c o n s u l t i ng f i r mCeto and Associates
TM
96%
2%2%
Why guess when you can know - with intelligence.We would like to suggest a prudent, highly cost effective and strategic approach that will enhance your competitive intelligence in your various markets, increase product profitability and facilitate significant revenue growth for the long-term. This can be accomplished without impairment to your corporate culture, business model, customer base or competitive strength in your local markets.
Market ViewTM is a competitive intelligence solution and unique income optimization program that focuses on revenue generation, product pricing and design. Our program is customized for your organization and integrates extensive market research with competitive analysis that includes comprehensive data derived from surveys and mystery shopping of your primary competitors in your local markets.
Market ViewTM also includes product and pricing comparisons with your market competitors and examines the performance, pricing and characteristics of more than 360 different revenue components for your existing deposit products, loan products, and ancillary services – both consumer and business. The deliverable is a detailed report of analysis and findings designed to provide specific recommendations for your product and service offerings with the objective of increasing non-interest income and overall product profitability.
Total Assets Low Benefit High Benefit
$250 Million $250,000 $500,000$500 Million $500,000 $1,000,000$750 Million $750,000 $1,500,000$1.0 Billion $1,000,000 $2,000,000$2.0 Billion $2,000,000 $4,000,000$3.0 Billion $3,000,000 $6,000,000$4.0 Billion $4,000,000 $8,000,000$5.0 Billion $5,000,000 $10,000,000
$10.0 Billion $10,000,000 $20,000,000$25.0 Billion $25,000,000 $50,000,000
Competitive IntelligenceYour Market Competitors (Banks or Credit Unions)Market ResearchCompetitor Data & Analysis Mystery Shopping & SurveysRate & Fee InformationProduct & Pricing Comparisons
Income Optimization360+ Areas of ReviewIncome Generation & Product ProfitabilityProduct Pricing & DesignProduct Alignment & OptimizationRelationship PricingWaivers, Refunds & Collection RatesProcedures, Delivery Channels & Transaction Flows
Highl ights Benef its
Provide Competitive Intelligence & Decision-Making ToolsEnhance Product & Service OfferingsMaximize Product ProfitabilityIncrease Non-Interest IncomeImprove Competitive Position in the Market
Non-Interest Income Interest Income
Interest Expense
Object ivesDistribution of Benefits
$1,000 - $2,000 per Million Dollars of Assets10 - 20 Basis Points of Assets
3325 Paddocks Pkwy, Ste 400 Suwanee, Georgia 30024 Phone - 1.866.227.1361 Fax - 678.297.1127 www.ceto.com© 2017 Ceto and Associates Corporation. All rights reserved. a m a n ag e m e n t c o n s u l t i ng f i r m
Ceto and Associates
Loan Products 85+ areas across all 3 major loan product categories, including:
Consumer Loans Home Equity LoansHELOCs Auto/Motorcycle/Boat/RV CD/Savings/Stock SecuredUnsecured Term LoansOverdraft/Unsecured LOCCredit CardsPayment Deferral Programs
Mortgage Loans1st Mortgage
Fixed and VariablePortfolio and Secondary
Deposit Products135+ areas across all deposit product categories, including:
Consumer DepositsChecking Accounts Savings AccountsMoney Market AccountsCDsIRAs
Ancillary Services140+ areas across all ancillary service categories, including:
Deposit Services ChargesCourtesy Overdraft ProgramElectronic BankingATMsCash & Treasury ManagementSafe Deposit BoxesAll Other Ancillary Services
38%
5%
34%
23%
Scope & Del iverables
Methodology
Develop Monitoring Reports
Train Personnel on Monitoring Methodology
Monitor and Summarize Benefits Monthly
Data Collection and Interviews (3 Days On-site)
Perform Analysis and Identify Opportunities
Report of Findings and Recommendations (1 Day On-site)
Phase 1 Assessment
(60 Days)
Phase 2Implementation
(60 Days)
Phase 3Monitoring
(3-6 Months)
Develop Implementation Plan
Assist in Execution
Create Reports for Results Measurement
Ensure Successful Implementation
The typical Market ViewTM engagement includes a review of 360+ areas.
Deposit Products
Loan Products
Ancillary Services
Distribution of ScopeCourtesy Overdraft Program
Business DepositsChecking AccountsSavings AccountsMoney Market AccountsCDs
Commercial LoansCommercial Real EstateCommercial & IndustrialConstruction & DevelopmentCommercial LOC
33%
9%
29%
17%
12%
Nature of Recommendations
Product Pricing
Product Design
Un-PricedServices
Leakage
Product Alignment & Optimization
Contact us at [email protected] or 1.866.227.1361 x249
