The Nomis Index Portfolio Impact Modeler for Savings provides a high-level estimate of your deposits run-off risk based on publicly available data and our proprietary pricing science, but you might still be wondering:
- Exactly how susceptible is my portfolio to run-off and re-pricing risk in a rising rate environment?
- Which of my customers or segments have the highest price-sensitive flight risk?
- What strategies can I deploy to retain balances from key customers or segments as rates rise?
The more precise answer to these questions lies in your portfolio data. A Portfolio Risk Analysis uses Nomis’ Scoring methodology to help you extract a full characterization of your customer price sensitivity, including a quantified dollar value of the balances and net income at-risk. Leveraging these insights, our deposits experts can deliver actionable solutions for mitigating these risks in alignment with your strategic goals for balances, profitability, and stability.
A customized Portfolio Risk Analysis brings together Nomis’ global experience in helping banks manage over $1.3 trillion in deposit balances through rising, falling and flat interest rate cycles, 10+ years of cutting-edge analytical R&D in customer behavior and price response, and the powerful, customer-level Nomis Scoring methodology to deliver timely and actionable insights.
Within just a few weeks, our team of seasoned deposits analytics experts will collaborate with you to:
- Quantify and report the price-sensitivity, surge balances, and balances/income at risk at the portfolio and micro-segment-level under key future scenarios
- Identify your high-risk customers/accounts or customer segments based on the proprietary Nomis Scoring methodology
- Develop an analytically driven pricing playbook to navigate likely scenarios in the new interest rate cycle.
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