If you are looking to get client intelligence for use in your strategic planning, marketing, and sales efforts, then the MARQUIS Service Bureau is for you. This affordable analytics solution delivers actionable information about your clients right to your desktop.
Who are your profit drivers? Which products are the most profitable? It’s answers to these questions (plus many more) that our MCIF Service Bureau can provide. It is time to leverage your client information. Get the essential reports that outline client profitability, your product breakeven balances, product distribution and penetration and more. All included. All done for you.
Now more than ever, banking is about relationships. Our MCIF Service Bureau delivers rich, actionable data that provides you with a clear path to more meaningful relationships. For much less than you think, this service can pay for itself with just a handful of additional relationship building opportunities gained from data only an MCIF can provide.
Get the strategic information you need to manage marketing!
Every month, MARQUIS will deliver these benefits to your desktop.
Comprehensive management reports.
Actionable call and mail lists.
All inclusive. No hidden charges.
Here’s what you get EVERY month with the MARQUIS MCIF Service Bureau.
Call & mail lists
Each month you’ll receive direct mail, email, and call lists selected by our experts and designed to drive results.
Take action with pre-packaged direct mail, email, and call lists.
Call and mail lists are included. Each month you’ll receive direct mail, email, and call lists for your most profitable households, anniversaries, birthdays, new households, and single product households.
The Balancing Summary Report displays account types by the number and total balance of accounts, the weighted average rate and total non-interest income and non-interest expense, as well as average non-interest income and expense for each account. The account types are categorized into products, with totals provided for product categories as well as overall deposits, loans, and services where applicable.
The Balancing Summary Report primarily assists in verifying information compared to a general ledger or trial balance. Because it is important to ensure the accuracy of your data, this report helps to both simplify and enhance that process. You can feel confident your information is correct because the Balancing Summary Report will compare the number of accounts, balance, and rates to information against other reports from your host system.
This report segregates households into profit groups, allowing you to focus on important dates and marketing opportunities.
The Breakeven Summary Report enables you to group by either account type or product categories to determine the number and total balance of accounts, the average and median balances, and the break-even balance for each. The break-even balance is the dollar amount at which the account type or product typically crosses from unprofitable to profitable. The report further tabulates the number of accounts that have balances above and below the breakeven point.
The Breakeven Summary Report is essential in helping you understand and analyze your account and product profitability. The report will identify the affects of account balances and their role in overall profitability, information that is critical in pricing your product line. The median balance on this report is also a good source for times you’ll need to know the typical balance of an account type or product, especially if you use it as a helpful tool for re-pricing strategies. It may be used as a guide to determine the break-point or tiers for service charges or interest rate incentives. Setting account tier levels above and below the breakeven balance point will both encourage higher balances and generate fees, which will further equate to increased profits.
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This report summarizes critical fields that evaluate the data you are importing for report production. You can then minimize time spent reviewing and compiling data, thereby freeing you to coordinate critical information to create more comprehensive report tools for products offered, balance forecasts, and household attrition efforts. Plus, if you have any data issues, this report will prove to be a helpful tool to narrow down information inconsistencies that may be creating problems.
The Household Percentile report is a great management tool for sorting data just about any way you need. You can use the report to segregate your top profit groups to show which households make up your Top 1%, Top 5%, Top 10%, Top 20%, and bottom 10% account tiers. This report also provides you with a summary of the Profit, Product Usage and Product Relationships within the profit segments listed above. Plus, you can use it to look at Households that have only deposits, only loans, or the households with both deposits and loans in the Profit Segment group. Using the Household Percentile report you can quickly determine your best and worst segments, and you can track how they react over time to relationship building efforts.
The Household Product Summary Report is essential for evaluating your product portfolio and the penetration of your households with these products. By using the report for each Product category, you can determine the number of accounts, total balance, and average balance, plus the number and percent of households that have the product. The Profit section of the report shows total profit from households with a product and percentages of all profit that come from any specific product. You can even find the average profit for households that have a particular product.
This report also shows relationship strengthening ratios for households with each product type. The average number of unique products displays how well your product line has been, and can be, built with strong relationships. A household may have multiple accounts, but if the accounts are all defined as the same product, the household would be considered to have only one unique product. The number of unique products and services also includes services such as ATM, Debit Card, Safe Deposit, etc. If you have accounts listed for that type of product, the ratio should always be greater than one.
Here are some other segmenting ideas you can use with this report:
This report is a quick – and easy – way of looking at the Next Product potentials of your households. By providing you with a summary of the number of households for each next product you offer, you’ll gain a clearer overview to see how to build relationships with the next logical service or account to members. Deposit customers can learn how they benefit by opening or transferring loans to your financial institution. Homeowners can learn about mortgage services, home equity loan options, and even home equity lines of credit. Using this report can help you turn your next product potentials into completed relationships.
The Trending Report provides a rolling 12-month look at the most common metrics used to measure success at your financial institution. This comprehensive report combines household, customer/member, branch, product, service, and profits summary and distribution numbers into one easy-to-navigate report, so you can quickly identify trends within your institution and keep track of product performance over time. The report also gives you the option of reporting values at household or customer/member levels, and it will likely become a mainstay in your monthly reporting arsenal.
This report enables you to group by account type or product categories to determine break-even balance requirements for your products.
This report helps you determine the product combinations that are, or can be, the most profitable for your institution.
The report demonstrates the total number and percent of households for any particular product combination group. Because it also shows the total number and percentage of balances for those combinations segmented by loans, deposits, and total percentages, you’ll gain a better understanding of the profit potentials that can be achieved from these households as well as the percentage of total profit received from any particular segment. The percentage of profit received from the balance is displayed as Profit/$Bal% and the Avg. Annual $Profit/HH shows the average profit dollars received from the households in that row.
The Household Profit Listing provides a list of member households, their total profit amount, the city they live in, their phone number, the date when the relationship was established, plus their total number and balances of deposits and loans.
The report can be a listing of any segment of customers you choose. You will typically want to create this report from a small segment of customers so you don’t have a cumbersome report. The report will automatically create page breaks by branch and will total the number of households and the profit they contribute at the bottom of each page.
We recommend that you start by segmenting data by the following fields, and then create a follow-up report from the results:
Single Product Households
Households with a last open date > 2 years
This report is very helpful when you need a list of customers and the amount of profit they contribute to your organization’s bottom line. Branch staff members can use the reports for micromarketing, follow-up customer contacts, and to promote relationship building opportunities. This report should also be distributed to your employees to enhance awareness of your most profitable customers/members. Other uses may include a telemarketing list for seasonal, anniversary, or birthday follow-up opportunities.
The Household profile Report examines loans, deposits, and services at the individual branch level. It’s great tool to examining which locations are contributing the most profit and which locations need improvement. This report can also be used to establish sales performance measurements.
The Branch Performance Report examines loans, deposits, and services at the individual branch level. It’s great tool to examining which locations are contributing the most profit and which locations need improvement. This report can also be used to establish sales performance measurements.
The Household Tracking Report provides in-depth information concerning number/balance of accounts and relationship building changes by region, branch, or manager. Percentage totals are also displayed for each branch, by region or manager, allowing you to compare these segments and identify strengths and areas for opportunities. To cut down on the size of the report, you have the option to exclude “no activity” segments of officers, branches and regions.
The full report displays changes in the number of households, their deposit and loan relationships, and the services they have, focusing heavily on relationship building opportunities for these households. This is displayed by the total number of accounts per household, services per household and their unique products. Information gathered from this report helps outline the challenges facing your customer base and highlights the strengths and weaknesses of your regions, branches, or manager. Net changes that occur by region, branch, and manager should be part of the performance evaluation for each. Changes reflected on this report can be used as a guide for better management of customer relationships. This is an excellent report to use on an ongoing basis to evaluate incentive goals.
The Maturity Date Distribution Report can be run by account type code and product code, and it allows you to view accounts and balances coming up for maturity. You have the option to select a filter to review loan maturities only, or you can add filters for branch, officer, loan or deposit indicator, interest rates, product code, or account type code.
The Maturity Date Distribution report provides a quick glance at potential opportunities and risks. This is a great report to distribute to branch managers and loan officers for even more personalized service for your members, and gives you the added benefit of building your customers’ loyalty.