Planning and Simulation

Improve your planning

The annual budgeting process is a challenge for many banks. The resources which have to be made available, the many influencing factors which have to be taken into consideration, numerous process participants and multi-level interdependencies make this a complex task. zeb//control portal is a versatile and flexible tool which supports you in the process of central and decentralised planning:

With the zeb/integrated.bank-planner, you get an easy-to-use, comprehensive browser-based solution that supports your budgeting process. Flexible configuration options ensure that your specific requirements are perfectly met by the zeb/integrated.bank-planner. Specifically, zeb//control portal supports you with the following functionalities:

Planning of strategic key performance indicators in a ROI diagram

During strategic benchmark planning, key indicators are laid down at the bank-wide level and documented as targets for subsequent decentralised planning. Examples of indicators reflecting the bank's strategy are return on equity, cost/income ratio, interest and fee income as well as the volume of customer business. In the ROI tree, you can easily simulate and display the impact of changes during the planning process. The strategic benchmarks are input as target values in the decentralised development of market sector plans.

Convenient planning of decentralised market sectors in a web browser

Planning in the ROI tree is followed by the further specification of strategic plans in decentralised market sector planning. The sequence of planning by individual organisational levels is aligned with the configuration of the planning process defined in advance. From simple central planning by the entire bank and hierarchical top-down planning to a multi-level mixed top-down/bottom-up approach, the planning process can be configured in a flexible way. The results of each planning process step are input into the next one so that, at the end of planning, you get a planning model concerted across all levels. All the relevant areas of planning (income from interests, fees and commissions as well as costs) are covered in the browser-based application.

Comprehensive reporting options, including comparisons of targets with actual values and revenue forecasts

After the adoption of the annual plan and the start of the planning year, compliance with the targets is checked by means of reports comparing the target and actual situation as a rule on a monthly basis. In addition, revenue forecasts are used to extrapolate actual values for the period up to the end of the year in order to simulate the impact of current deviations from the plan on the result to be expected for the entire year. At the end of the year, the planning process is initiated for the following year and the cycle starts again. As a rule, the figures used for the new annual planning process are based on the current revenue values forecast for the end of the year.

High planning accuracy through flexible allocation factors and planning of new business

On each level of planning, the target values can be broken down for lower levels manually or by means of allocation algorithms that can be defined in a flexible way. For example, revenue targets planned at the central level can be broken down into decentralised market sectors based on the number of employees or allocation parameters that are oriented to existing potentials. Moreover, the zeb/integrated.bank-planner allows you to plan new business at a high level of detail. For this purpose, the zeb/integrated.bank-planner automatically takes account of the processes related to existing business. The values planned for the entire year can be distributed to the individual months using seasonal distribution factors.

Do you need further information or are you interested in using zeb//control portal in your bank? We would be pleased to arrange a meeting at your office to present all the functionalities of zeb//control portal and discuss its application in your bank.