01
Executive Snapshot
Key network indicators at a glanceLoan Portfolio Distribution by Size
Network Deposit vs Loan Balance
02
Branch Ranking & Leaderboard
Sortable performance table for all branches| # | Branch | Size | FTE | Active Clients | Loan Portfolio | Deposits | PI Capture | Digital % | PI Loan Prod. | Status |
|---|
03
Market Capture Analysis
PI and business capture rates vs population/registered businessesPI Market Capture Rate by Branch
Business Market Capture Rate
Capture vs Active Client Ratio (Scatter)
04
Active vs Non-Active Clients
Client activation and non-active client concentrationActive vs Non-Active by Branch
Active Ratio Distribution
05
Portfolio Mix
Loan product composition and segment concentrationLoan Product Mix by Branch
Segment Portfolio Concentration (PI / Micro / CIB)
06
Deposit Mix
Current account, term deposit, and savings distributionDeposit Composition by Branch
Deposit Segment Mix (PI / Micro / CIB)
07
Product Penetration
Share of accounts holding each product typePI Product Penetration Heatmap
Business Product Penetration
08
Efficiency & Productivity
Loans per sales employee, cash transactions, portfolio per FTEPI Loan Productivity (Loans / Sales Employee / Day)
Cash Transactions per Employee
Portfolio per Employee vs Productivity Scatter
09
Digital Penetration
Digital banking adoption across branchesPI Digital Penetration by Branch
Business Digital Penetration
10
Branch Reshuffling
Recommended FTE reclassification: teller to lendingCurrent vs Recommended Structure
Net Role Changes
Detailed Move List
11
Executive Opportunity Matrix
Branch classification into strategic action categories
12
Methodology & Definitions
How each KPI is calculatedPI Capture = Active PI Clients / Municipality PopulationMeasures the share of the local population that holds an active PI account. Median: 13.1%, Target: 18.0%.
Business Capture = Active Business Clients / Registered BusinessesMeasures market penetration among registered businesses in the branch municipality. Median: 13.6%.
PI Loan Productivity = PI Loan Count / PI Sales Employees / 230 working daysNormalized daily disbursement rate per sales FTE. Bank average: 2.40 loans/day.
PI Digital Penetration = PI Digital Banking Users / PI AccountsBusiness Digital = Business Digital Users / Business AccountsNetwork average: PI 45.5%, Business 81.5%.
Housing Penetration = Housing Loan Count / PI AccountsConsumer Penetration = Consumer Loan Count / PI AccountsCredit Card Penetration = CC Count / PI AccountsOverdraft Penetration = OVD Count / PI AccountsSimilar formulas apply for business products using business accounts as denominator.
Cash Transactions/Employee = (Cash Withdrawals + Cash Deposits) / Total EmployeesTransactions/Client = Total Branch Transactions / Total Active ClientsMeasures branch operational load. Network average: 24.3 tx/employee.
Growth: PI Capture > median AND productivity > average
Recovery: PI Capture < median AND active ratio < median
Digital Migration: Digital penetration < average
Lending Capacity: Productivity < average AND portfolio/FTE < median
Cost Optimization: Cash transactions/employee > average
Recovery: PI Capture < median AND active ratio < median
Digital Migration: Digital penetration < average
Lending Capacity: Productivity < average AND portfolio/FTE < median
Cost Optimization: Cash transactions/employee > average