Relationship Profitability & Pricing

 

Relationship Profitability software dashboard

Price and Manage Portfolios Based on Relationship Profitability


The Axiom™ Relationship Profitability and Pricing System (RPPS) provides the framework to build and manage complex relationships, understand and leverage profitability analytics, and accurately price new business―allowing you to optimize profitability and best serve customers.

Read Solution Brief

Get a demo

Generate Comprehensive Reporting

Provide your relationship managers with reports detailing their portfolio profitability and empower management with profitability data to fuel business decisions and incentive compensation plans

Incorporate Costing Data

Apply costs at the customer account and transaction levels to ensure accurate relationship profitability calculations. Leverage cost rates by product or transaction from Axiom or utilize a third-party source

Get A Rolling Profitability View

See the current and historical profitability for each account and customer based on matched-term funds transfer pricing calculations of net interest margin, non-interest income and expense, and provision for loan loss

Compare Pricing Scenarios

Select the best pricing scenarios to support the relationship and optimize profitability; automatically generate and submit the proposal with supporting profitability calculations and metrics

Who We Help

The Axiom Relationship Profitability and Pricing System (RPPS) provides a single solution serving institution leaders, relationship managers and other front-line staff.

Leadership

Institution leaders in finance and lending rely on the analytical capabilities of Axiom RPPS to:

  • Employ a consistent calculation approach for historical and projected profitability

  • Understand the risks and opportunities around top and bottom-performing relationships

  • Incent profitable growth through evaluation and compensation of front-line performance

Front-Line Staff

Relationship managers, loan officers, branch managers and other front-line staff need better visibility to your institution’s relationships and their economic impact. Axiom RPPS helps you:

  • Price new business based on empirical profitability, quickly understanding current relationship contribution, margin impact of adding products, forecasted ability to meet your hurdle rate, and which pricing scenario maximizes client satisfaction

  • Best serve each client, leveraging visibility to the full breadth of a client's relationship and associated accounts

  • Maximize portfolio profitability, identifying top and bottom performing relationships to inform relationship plans and business decisions

Fully realize the value of each account, customer, and relationship in your portfolio
 

Get a full demo

Featured Resources

Funds Transfer Pricing & Profitability - Retheme

Accurately Analyze the Profitability of Your Institution

AxiomTM Funds Transfer Pricing (FTP) & Profitability provides a framework for analyzing profitability at any level. Ensure that resources are being aligned with what is driving the profitability of your organization by having full transparency into your most — and least — profitable customers, segments, branches, and products.

Funds Transfer Pricing software - Axiom dashboard

  • Automate measurement of net interest margin down to the individual account level using the matched-term FTP engine  

  • Measure and analyze full profit contribution and risk-adjusted return on capital (RAROC) with the inclusion of direct costs and income, provision, and capital rules 

  • Conduct granular unit cost analyses with a highly configurable costing engine to determine what it costs to provide a particular product or service to a customer 

  • Determine what cost drivers are impacting your bottom line with a powerful allocation engine that allows for full transparency to overhead allocation 

  • Aggregate results to see a holistic view of the profitability of each customer based not only on which products they have, but how they are leveraging your products and services.

  • Leverage standard visualizations for customer and product profitability analysis, with visibility to instrument-level data, and create self-service dashboards using industry gold standard, Microsoft PowerBI

arrow going through plan

Maximize Value from FTP Investments

Assign highly accurate FTP rates based on projected cash flows and bring together data visualization, incremental analysis, and segmentation to maximize value from FTP investments.

  • Employ a transparent, matched-maturity approach where individual instruments are transfer-priced based on the characteristics of each account 

  • Analyze the impact of multiple factors on net interest margin to inform accurate decision-making 

  • Use analytical reporting to improve pricing decisions and understand performance drivers

  • Create specific base rate and adjustment rate FTP rules and filters to accurately apply funding charges and credits

Learn more about our FTP methodology

Understanding FTP

Start Calculating Record-Level FTP and Find Profit Improvement Opportunities

Get a full demo

 

 
Featured Resources
report thumbnail

2025 CFO Outlook for Financial Institutions

2025 is full of uncertainties for banks, credit unions, and other financial institutions. Analysts predict the industry will benefit from regulatory changes and the expansion of new...
Report

Solution - FI Driver-Based Financial Planning - Retheme

Budgeting & PLANNING

Streamline Your Budgeting Process


Create and manage planning models that are connected to your market and operational drivers.
With Axiom Software, your budgeting process is more efficient and accurate through automated consolidation
of budgets across departments, branches, or markets.

 

Rate volume day variance - Axiom software dashboard

  • Evaluate the finance impact of changing assumptions

  • Leverage enterprise-ready workflows, top-down spread, role-based security, and automated report production

  • Improve budgeting accountability and accuracy

  • Integrate daily general ledger, HR, fixed assets, transaction detail, and other system data

  • Leverage Excel familiarity for business rules and reports without complex scripting


Read the solution brief

 

 

periodic forecasts

Prepare For Potential Impacts on Your Financials


Model and monitor the impact of shifting interest rates, lending rates, and loan volumes on your financial outcomes and performance indicators. Integrate the resulting driver-based forecasts with long-term financial plans and operational budgets to arm leadership for effective strategic and tactical planning.

Change is Inevitable. Timing is Unpredictable. Model Your Scenarios and Mitigate Risk.

Real-time answers on the impact of changes in interest and lending rates, operating costs, and staff with dynamic, “What if” modeling

Aggregate projected changes into financial planning portfolios to map overall impact on budgets

Drill down into individual budgets and forecasts to see how changes would impact the branch or department level

Cash flow planning software - Axiom software
Forecasting and Scenario Modeling

Next Level Financial Planning

Calculate cash flow projections at the record level, aggregating them into planning portfolios to improve accuracy in net interest margin planning and provide better focus on incremental new business. Our cash flow planning software enables data analytics, enhances data visibility, and allows you to build a cash flow forecasting model into the standard budgeting process. View loans and deposit records in portfolios—including those set to mature and reprice.

 

 

Better Predict Your Net Interest Margin

Use your interest rate forecast, runoff of existing balances and rates, impact of new originations, and optional funds transfer pricing (FTP) rates to generate your cash flow forecast, more accurately predicting projected balances, yields, and FTP spread (if used) to inform a cash flow-based budget.

Improve Scope And Accuracy

Process fixed, adjustable, and variable records across all instrument types in our cash flow engine, adding prepayment assumptions so your future cash flows reflect a more realistic view of customer/member behavior.

Stay Nimble with What-if Scenarios

Anticipate potential market conditions by modeling “what-if” scenarios, and be ready to adjust your risk-adjusted cash flow plan and projections to reflect changes in product mix, pricing, spread and more.

a professional on a mobile device
 Incentive Compensation Management (ICM)

Align Employee Behavior with Strategy 

Strata’s Axiom™ Incentive Compensation Management (ICM) solution empowers banks, credit unions, farm credit associations, and non-depository lenders to manage and administer incentive plans to improve financial performance, and to help individuals achieve organizational objectives. With Axiom ICM, financial institution leaders can:  

  • Manage unlimited incentive plans for different roles within the institution  

  • Analyze new or modified plans in “what-if” scenarios  

  • Achieve increased visibility and accuracy in compensation plan calculations and supporting metrics  

  • Align employee behavior with corporate goals 

 

 

Discover the Axiom Difference

Strengthen your ability to compete in a changing marketplace with industry-leading software
that solves enterprise planning challenges for financial institutions

REQUEST a Demo

 
Featured Resources

Axiom™ Financial Institutions Suite - Rethemed

 

Financial Planning dashboard - Axiom software

Driver-Based Financial Planning


Transform your financials—from inputs to outcomes—with our driver-based budgeting, planning, and forecasting software.

Streamline your budgeting process, seeding the budget based on growth assumptions, while improving accuracy with distributed data inputs and automated consolidation of budgets across departments, branches, or markets.

Perform dynamic "what-if" modeling to easily quantify the impact of scenarios.

Learn More

Commercial - scatter plot with popup - Axiom Dashboard

Funds Transfer Pricing and Profitability


Get visibility into the customers, segments, branches, and products that drive the greatest value for your institution. We pull all the pieces together, calculating FTP, and allocating non-interest income and expense, loan loss, and capital, with transparent measurement processes.

 

Learn More

 

Relationship Profitability software dashboard

Relationship Profitability and Pricing


Understand a client’s total sphere of influence. This easy-to-use tool lets you build complex relationships, precisely measure profitability for each relationship, customer, and account, and accurately price new business.

 

Learn more

 

visual insights chart for axiom solutions

Reporting & Analytics

Leaders no longer have to rely on manual processes or compiled spreadsheets, with Axiom Intelligence, organizations can analyze and visualize financial and operational data to identify and highlight trends, variances, and improvement opportunities. Axiom Intelligence brings data together with advanced reporting and visualizations, providing a powerful, web-based, intuitive reporting environment that supports dashboards, ad hoc reports, and spreadsheet views — all within an easy-to-use interface. Axiom Intelligence supports a breadth of reporting needs, from department variance analyses to Board packages and everything in between.

Read Solution Brief 

 

Find out how Axiom can help improve your financial and organizational performance

See Axiom in Action

Tech Specs

 

System Information

  • Cloud hosting on Microsoft Azure
  • Microsoft® .NET interface that leverages Microsoft® Excel®
  • Microsoft® Power BI® data visualization and analytics, optimized for Axiom
  • Full browser compatibility
  • Word Integration

Automated Data Integration

Includes a robust, highly configurable data connector that can be set up to connect to a variety of data sources in a matter of minutes - like general ledger, payroll, fixed assets, and loan and deposit systems. You can select the frequency of automatic synchronization. Our open integration ensures that you can connect to virtually any GL or instrument data source for clean, trusted data.

Security & Compliance

  • Role-based security for complete control over how your data is accessed and shared

  • SSAE-18 SOC Type II (SOC2) audited by BDO USA, LLP according to AICPA standards

  • Microsoft’s Azure HIPAA Compliance framework, which includes a BAA Contract Addendum and ISO 27001 audit controls, as well as SOX and GLB regulatory compliance

Strata Academy - StrataJazz

Learn more about the StrataJazz Administrator Certification program and upcoming sessions. 

StrataJazz Administrator Certifications are available across a range of modules. Each certification includes virtual, instructor-led training and an assessment in the form of a project and exam. Upon completion of all components, learners are granted a certification in their module. Each certification is designed to give you the tools and knowledge you need to successfully work as an administrator in StrataJazz.  

Looking for self-paced training courses? There are available for free to Strata customers within Strata Academy.  

How can I get the most out of StrataJazz Certification?

Strata recommends attending StrataJazz certification classes after you have started your implementation. Having some basic exposure to the StrataJazz platform before you attend class will improve your class experience. The implementation process includes training from your consultant that is tailored to your organization’s specific needs and builds on the fundamentals covered in certification.  

You may also choose to attend certification class after your organization has completed implementation as a refresher on key administrative tasks and workflows or as part of your onboarding as a new StrataJazz administrator.  

Unsure as to whether certification is right for you? Reach out to the Strata training team at strataacademy@stratadecision.com.  

Advanced Planning

 

Analytics

 

Decision Support 

 

Axiom Administrator Certification

Learn more about the Axiom Certification program and upcoming sessions. 

Axiom certification packages are designed to meet the needs of specific user roles. Each package includes a series of courses to meet the needs of that role. Axiom courses are applicable across industries and are focused on features available across the Axiom platform. These are listed within the Certification Directory below.  

In addition to offering role-based certification packages, Strata also offers stand-alone hands-on labs focused on the following topics: Advanced Spreadsheet Reporting, Axiom Intelligence – Web Reporting, and Axiom Intelligence – Visual Insights. These are listed within the Course Directory below and are purchased separately from the certification packages. 

CPE credits are available for attending Axiom courses. Credits are distributed at the course level – to learn more, review the information for individual courses.  

Looking for self-paced training courses? There are available for free to Strata customers within Strata Academy.  

How can I get the most out of Axiom Certification?

Axiom certification packages contain a series of courses. Strata recommends spacing out your attendance of these courses rather than attending all courses back to back.  

Axiom Certification Packages

 

axiom training

Axiom Primary User Certification

  • Total Days to Complete Certification: 10
  • See individual courses for available dates and training format
axiom training

Axiom Data Analyst Certification

  • Total Days to Complete Certification: 3 
  • See individual courses for available dates and training format
axiom training

Axiom IT Certification

  • Total Days to Complete Certification: 3 
  • See individual courses for available dates and training format
axiom training

Axiom Reporting Certification

  • Total Days to Complete Certification: 5 
  • See individual courses for available dates and training format
axiom training

Axiom Essentials Certification

  • Total Days to Complete Certification: 2 
  • See individual courses for available dates and training format
axiom training

Axiom Data Admin Certification

  • Total Days to Complete Certification: 4 
  • See individual courses for available dates and training format

Axiom Training Courses

 

axiom training

Axiom Essentials

2-Day Online Course, Group Internet Based

axiom training

Axiom Imports

1-Day Online Course, Group Internet Based

2024 Financial Institutions Summit

At this year’s virtual Summit, join peers and industry experts to hear about common industry challenges, best practices for addressing those difficulties, and how institutions are using our Axiom Financial Institutions solution to fuel their missions. Hear success stories and lessons learned that will help you shape your institution's financial planning, analytics, and performance methods.  

Subscribe to Financial Institutions