Agent portfolio to shareholder value · Banking
Banking & Financial Services AI Benefit Model. From capability claim to economic profit.
Move an action driver. Watch the capability, the income statement and the capital base move with it. Every figure is pre-filled and every multiplier carries its source.
START HERE — WHAT ARE WE SIZING?
Scope pre-fills every financial input at illustrative medians, so nobody stalls on a number they don’t know. Every figure stays editable below.
Action drivers
POSTURE
Fee and Wealth Income Deepening30%
Wealth AUM, cross-sell depth, capital market deal flow and fee per relationship
Net Interest Margin Defence80%
Yield on new lending, deposit mix, cost of funds and repricing speed
Credit Cost and Risk Quality55%
Early warning, provisioning accuracy, recovery, fraud and financial crime loss
Balance Sheet and Funding Velocity45%
Onboarding to first drawdown, limit utilisation and cross-border funding
RWA and Capital Efficiency35%
Cost of running the bank, risk-weight density and capital allocation
Baseline holds every driver at zero. Benefit follows a saturating response, so the tenth point of intensity buys less than the first.
ECONOMIC PROFIT
S$589.7M
+S$271.8M against a baseline economic profit of S$317.9M, posture Defend the Margin
GROSS PRE-TAX BENEFIT
+S$294.4M
EP UPLIFT
+S$271.8M
8.5% of total income
ROE
16.4%
RORWA
2.29%
COST-TO-INCOME
37.1%
Level-1 metrics, live
Perfect Task Completion Rate
94.1%
GROUNDED RELIABILITY
Time to Credit Decision
7.3 hrs
DECISION LATENCY
Relationships Served Without Added Headcount
43%
CAPACITY ELASTICITY
AI-Assisted Share of Volume
49%
AUTOMATION YIELD
Cost per Serviced Relationship
S$119
AUTOMATION YIELD
Credit Cost
28 bps
RELIABILITY AND LATENCY
Capital Released
S$2.0B RWA
CAPITAL LEVERAGE
Economic profit waterfall
Baseline economic profit to modelled economic profit. Tax on the gain is the bar that hands value back.
Driver to capability weights
Each row spreads one driver across the five additive capabilities. Rows normally sum to one.
| Driver | Reliab. | Latency | Elastic. | Yield | Capital | Sum |
|---|---|---|---|---|---|---|
| Fee and Wealth Income Deepening | 1.00 | |||||
| Net Interest Margin Defence | 1.00 | |||||
| Credit Cost and Risk Quality | 1.00 | |||||
| Balance Sheet and Funding Velocity | 1.00 | |||||
| RWA and Capital Efficiency | 1.00 |
Economic profit per dollar invested
Investment scales with intensity. Benefit saturates. The ranking moves as you push a driver past its useful range.
| # | Action driver | Intensity | Investment | EP contribution | EP per S$ invested |
|---|---|---|---|---|---|
| 1 | Balance Sheet and Funding Velocity | 45% | S$4.5M | +S$42.1M | S$9.36 |
| 2 | RWA and Capital Efficiency | 35% | S$5.6M | +S$44.1M | S$7.88 |
| 3 | Credit Cost and Risk Quality | 55% | S$7.7M | +S$50.4M | S$6.55 |
| 4 | Net Interest Margin Defence | 80% | S$9.6M | +S$60.4M | S$6.29 |
| 5 | Fee and Wealth Income Deepening | 30% | S$5.4M | +S$31.9M | S$5.91 |
Saturation response
effect(s) = maxEffect × (1 − e^(−k·s)) / (1 − e^(−k)). Each dot marks a driver at its current intensity.
Snapshot and export
| State | Uplift | ROE | EP |
|---|---|---|---|
| Current | +S$271.8M | 16.4% | S$589.7M |
Assumptions
Business segment scope · illustrative medians · every figure editable
BASELINE TOTAL INCOME
S$3030.0M
BASELINE PPOP
S$1760.0M
BASELINE NET PROFIT
S$1269.9M
BASELINE CET1 CAPITAL
S$9.5B
BASELINE CAPITAL CHARGE
S$952.0M
BASELINE ECONOMIC PROFIT
S$317.9M
Economic profit is net profit less the capital charge on CET1 equity. It is the line a bank CEO and a shareholder both read, which makes it the most contested number in the room — so open the assumption chain early and settle it on evidence.
Have the number? The next move is a 30-minute working session where we replace the illustrative medians with your actuals and turn the economic profit uplift into a funded business case.
Book a working sessionIllustrative model · S$ millions · not reported financials · schema banking-ai-benefit-model/1.0 · your inputs stay in this browser