why guess when you can know - with intelligence ... why guess when you can know - with intelligence

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  • COMPETITIVE INTELLIGENCE

    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

    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 Intelligence Your Market Competitors (Banks or Credit Unions) Market Research Competitor Data & Analysis Mystery Shopping & Surveys Rate & Fee Information Product & Pricing Comparisons

    Income Optimization 360+ Areas of Review Income Generation & Product Profitability Product Pricing & Design Product Alignment & Optimization Relationship Pricing Waivers, Refunds & Collection Rates Procedures, Delivery Channels & Transaction Flows

    Highl ights Benef its

    Provide Competitive Intelligence & Decision-Making Tools Enhance Product & Service Offerings Maximize Product Profitability Increase Non-Interest Income Improve Competitive Position in the Market

    Non-Interest Income Interest Income

    Interest Expense

    Object ives Distribution of Benefits

    $1,000 - $2,000 per Million Dollars of Assets 10 - 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 mCeto and Associates

    Loan Products 85+ areas across all 3 major loan product categories, including:

    Consumer Loans Home Equity Loans HELOCs Auto/Motorcycle/Boat/RV CD/Savings/Stock Secured Unsecured Term Loans Overdraft/Unsecured LOC Credit Cards Payment Deferral Programs

    Mortgage Loans 1st Mortgage

    Fixed and Variable Portfolio and Secondary

    Deposit Products 135+ areas across all deposit product categories, including:

    Consumer Deposits Checking Accounts Savings Accounts Money Market Accounts CDs IRAs

    Ancillary Services 140+ areas across all ancillary service categories, including:

    Deposit Services Charges Courtesy Overdraft Program Electronic Banking ATMs Cash & Treasury Management Safe Deposit Boxes All 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 2 Implementation

    (60 Days)

    Phase 3 Monitoring

    (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 Scope Courtesy Overdraft Program

    Business Deposits Checking Accounts Savings Accounts Money Market Accounts CDs

    Commercial Loans Commercial Real Estate Commercial & Industrial Construction & Development Commercial LOC

    33%

    9%

    29%

    17%

    12%

    Nature of Recommendations

    Product Pricing

    Product Design

    Un-Priced Services

    Leakage

    Product Alignment & Optimization

    Contact us at cetoinc@ceto.com or 1.866.227.1361 x249