Bankinter Customer Profitability

EXPECTED PROFITABILITY OF CUSTOMERS BY CHANNEL OF ENTRY (Highligted in green are the cells that can be modified by the user) discount rate

10%

attrition rate

14%

8700 PROFITABLE Year Prob. Survival CF if client Expected CF PV factor PV Cumul. PV

0 100% -41 -41 1.00 -41 -41

1 86% 427 369 0.91 335 294

2 75% 465 347 0.83 287 581

3 Res.Val. 65% 505 326 1195 0.75 0.75 24 245 898 826 1724

attrition rate UNPROFITABLE Year Prob. Survival CF if client Expected CF PV factor PV Cumul. PV

0 100% -494 -494 1.00 -494 -494

1 72% -97 -70 0.91 -63 -557

28% 2 51% -27 -14 0.83 -11 -569

3 Res.Val. 37% -18 -7 -12 0.75 0.75 -5 -9 -574 -583

ALLIANCES attrition rate PROFITABLE Year Prob. Survival CF if client Expected CF PV factor PV Cumul. PV

0 100% -123 -123 1.00 -123 -123

1 84% 379 317 0.91 28 289 166

16% 2 70% 410 288 0.83 238 403

3 Res.Val. 59% 466 274 873 0.75 0.75 20 206 656 609 1264


0 100% -447 -447 1.00 -447 -447

1 54% -142 -76 0.91 -69 -516

46% 2 29% -43 -12 0.83 -10 -527

3 Res.Val. 15% -43 -7 -6 0.75 0.75 -5 -5 -532 -536

E-COLLABORATORS attrition rate PROFITABLE Year Prob. Survival CF if client Expected CF PV factor PV Cumul. PV

0 100% -100 -100 1.00 -100 -100

1 80% 319 255 0.91 23 231 131

20% 2 64% 367 234 0.83 194 325

3 Res.Val. 51% 398 203 540 0.75 0.75 15 153 406 478 883

WEIGHTED PROFITABILITY PROFITABILITY Profitable Unprofitable Program Unpr:Prof Value Value Prop Propor ortio tion n Valu Value e Prop Propor ortio tion n Expe Expect cted ed 8700 1.52 1.52 1724 724 0.39 .39682 68254 -583 -583 0.60 0.603 3174 1746 332.5 32.586 863 3 Alliances 2.84 2.84 1264 264 0.26 .26041 04167 -536 -536 0.73 0.739 9583 5833 -67 -67.5 .515 155 5 e-Collaborators 2. 53 53 883 0. 28 2832861 415 0 7167139 -4 -46 8904


0 100% -370 -370 1.00 -370 -370

1 41% -97 -40 0.91 -36 -406

59% 2 17% -37 -6 0.83 -5 -412

3 Res.Val. 7% -37 -3 -2 0.75 0.75 -2 -1 -413 -415

Bankinter Customer Profitability

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