Overview

The ongoing consolidation of the banking industry has created extremely large banks and massive treasury management lines of business to manage a monumental task that requires access to quality information in order to maximize the value of the business. But existing information system infrastructures inhibit bank cash management executives, product managers and cash management sales staff from accessing the information they need to improve performance. And keeping the information up to date is a full-time staff requirement to which most banks can't commit.

AFS Product Manager Workstation is a next-generation reporting and decision support tool that solves these problems by retrieving and combining important data and keeping it up to date. AFS Product Manager Workstation delivers extraordinary value by:

	Identifying opportunities for increasing fee income and improving profitability
	Enabling Treasury Management to easily pinpoint pricing anomalies, fee waivers and exception pricing
	Providing modeling capabilities that enable the product manager to see the impact of proposed price changes on the organization's revenue, as well as to identify the impact on individual customers
	Offering product and customer profitability reporting to identify unprofitable accounts or products and the reason they're unprofitable

The system spares management the burden of having to work with large, disparate legacy systems to gather information, because it combines raw data from account analysis with the organization's unique management reporting structure to deliver timely and meaningful information to the desktop. Because the data are arranged to replicate the organization's reporting hierarchy (business lines, regions, market areas, market managers, account officers, and individual customers), the system makes it easy to pinpoint where problems are occurring and to take corrective action. Likewise, best practices are easily identified within the organization and can be more broadly applied to produce results.

Users can retrieve the information they need on demand via a browser, in a wide array of formats, views, and hierarchies addressing matters of performance, pricing, product management, profitability, and more. Real benefits can be achieved and measured in the areas of increased revenue and profitability.

The system's flexible reporting features include prepackaged reports and graphics for easy viewing online, user-defined reporting available to power users, and the ability to export data to an Excel spreadsheet for further analysis or ad hoc reporting. Predefined reporting categories include:

	Profitability:product and market performance, performance vs. goals, product and market ranking
	Product Usage:customer penetration, cross usage, and usage trends
	Exception Pricing: exception levels by market, product, and Relationship Manager (RM) price change
	Management: proposed price change impact on product and customers, RM exception review
	Customer Profiles: customer and customer segment views of product volume/revenue/margin and balance/rate data (Earning Credit Rate [ECR], Overdraft Interest)
	Revenue Initiative Tracking: benefits attained and potential revenue opportunities associated with AFS revenue enhancement initiatives

Benefits

	Increased fee income
	Reduced revenue leakage
	No requirement for Bank staff to integrate and maintain database
	Requires no technical deployment capability by Bank (Web access)
	Makes information widely and consistently available
	Management is no longer constrained by outdated, inaccurate, incomplete, or inaccessible data, but is instead provided with meaningful information that is accessible throughout the organization

Features

	Measures all aspects of business line performance
	Offers: Treasury Management product profitability and supporting analytical detail Treasury Management customer profitability and supporting analytical detail Customer balances Modeling of price change impacts Identification of pricing exceptions Product usage and trends Identification of cross-sales opportunities Ability to track benefits associated with price or policy changes Browser-based access to information
	Presents information in intuitive question and answer format
	Updating and integration of data by AFS
	Provides data in client specific organizational hierarchy