Profitability by product, branch and customer
Net interest income, fees and allocated costs combined into profitability by product, branch, segment and individual customer, with drill-down from total to account.
- Industries
- Finance, insurance & real estate
- Banking & Finance
Banking & finance
One governed view of risk and return —
One governed view of risk and return —
inside your own walls.
TURBOARD brings core banking, loan, card and treasury data into a single governed model, so profitability, credit quality and liquidity are measured the same way from the board pack to the branch.
The challenge
Banks have more data than anyone — and fewer shared answers.
Loans sit in one system, deposits in another, cards, treasury and the general ledger in others again. Finance calculates profitability one way, risk calculates exposure another, and the branch network sees a monthly extract that is already out of date. When the board asks why margins narrowed or where non-performing loans are building up, teams spend days reconciling figures before anyone can discuss them.
TURBOARD connects these sources once and maintains one set of definitions for income, cost, exposure and risk. Profitability by product, branch and customer, credit quality by segment and liquidity positions are calculated from the same model every time. Row-level permissions mean each relationship manager, branch and region sees only its own customers and figures, and the whole platform, including the AI, can run on your own servers.
500K+business users work with TURBOARD
Since 2004enterprise BI engineering, founded in Chicago
Cloud or on-premisefully on-premise deployment, AI included
PatentedBI technology, including a granted US patent
What you can do
The analyses a bank runs every day, from one model
Credit risk and NPL monitoring
Loan portfolios by segment, sector, rating and vintage, with delinquency buckets and non-performing loan ratios tracked month by month and highlighted when thresholds are crossed.
Liquidity and funding
Deposit and funding structure, maturity profiles and concentration by counterparty, refreshed as the treasury and core banking data refresh.
Branch and ATM network
Branch and ATM performance, transaction volumes and cash usage on maps with the GIS-S module, alongside market potential, to guide network and cash-management decisions.
Regulatory reporting data
The figures behind regulatory and management reports kept in one governed model, traceable to their source, and distributed on schedule as PDF or Excel.
Customer segments and products
Segment performance, product penetration, card and credit usage and campaign response, so offers are designed around what customers actually do.
Challenges & solutions
Where bank reporting slows down — and how TURBOARD helps
?Conflicting numbers
Finance, risk and the business each calculate profitability and exposure in their own spreadsheets, and meetings start with reconciliation.
✓One governed definition
Income, cost and risk measures are defined once in the model, so every dashboard and report shows the same figure.
?Credit deterioration seen late
Rising delinquency in a segment or region only surfaces in the quarterly risk pack, after provisions are already affected.
✓Portfolio quality tracked continuously
Delinquency and NPL trends refresh with the loan data, and Vis-a-Vis comparisons show change against last month and last year.
?Sensitive data, many audiences
Thousands of staff need reports, but each may see only their own customers, branch or region.
✓Row-level permissions
Every user and every scheduled report receives only authorised rows, from the executive summary to the relationship manager’s portfolio.
?Data cannot leave the bank
Cloud analytics and public AI services conflict with data-residency and security policies.
✓Fully on-premise, including AI
TURBOARD and JAS run on your own infrastructure with offline language models, air-gapped if required.
JAS · Just Ask Simply
Ask the portfolio a question — and keep the answer governed
JAS, the AI assistant built into TURBOARD, answers from the same governed model your reports use and respects every row-level permission. She finds existing trusted reports first, writes the SQL when a new question needs it and builds the chart. With JAS Explain and personas, a portfolio dashboard comes with an interpretation written for a branch manager, a risk officer or the board.
Explore JAS capabilities →JJASQuestions you can ask
- Which branches had the lowest profitability per customer this quarter?
- Show the NPL ratio by sector for SME loans over the last 12 months.
- Compare deposit growth by region against the same period last year.
- Which customer segments use credit cards most but hold no other product?