Next Generation Profitability Analysis

nextPROFIT is the next evolution of household profitability measurement and analysis. nextPROFIT maps income and expense from the institution’s general ledger (GL). It also incorporates activity-based profitability and flexible transfer pricing to give clients a new level of flexibility, accuracy and synchronization of their household profitability with their actual financials. nextPROFIT will enhance your MCIF database to foot to your GL each month.

Map to Your General Ledger
This module maps your GL to your iNTEGRATOR database on a monthly basis. Now MCIF profitability can balance back to your most current GL.

Activity-based Profitability
With activity-based profitability, RFG allocates checking account revenue
and expenses based on your customers actual transaction activity. Every checking account has unique non-interest income based on fee and interchange revenue, and every checking account has unique expenses based on channel usage. nextPROFIT measures these factors on each account to give you accurate, account-specific profitability. RFG also calculates how credit card transaction activity impacts profitability at the account, individual and household levels.

Flexible Transfer Pricing
Flexible transfer pricing gives you the ability to choose from multiple replacement rate sources (U.S. Treasury, LIBOR, FHLB, etc.). Pick the transfer pricing model that best fits your organization, and select the right duration estimates for each product.

Risk-based Loan Loss Allocation
Allocate loan loss based on credit score. For institutions that do risk-based pricing, nextPROFIT lets you allocate loan loss based on risk. This process evens the playing field so you can accurately determine the profitability of credit segments.

Profit Override
nextPROFIT gives you the option to adjust specific product variables or import profit data from an external source.

Keep Sensitive Data Behind Your Firewall
nextPROFIT moves iNTEGRATOR and CEO Strategies processing behind your institution’s firewall. This means no sensitive personal information needs to leave the institution. All data extracts are automatically encrypted with the AES (US Advanced Encryption Standard) symmetric encryption algorithm using 256-bit keys (complies with U.S.G. standards for encryption).