UC-287
NIM, Cost-to-Income & Treasury Cockpit
One margin cockpit for yield, cost of funds, cost-to-income, borrowing mix and liquidity - group down to a single branch.
6-8Build Duration
TBDIndicative ROI
The Challenge
NIM is ~9.8% on the gold book and each 0.1% is worth ~INR 51 cr a year, yet yield, funding and liquidity data are fragmented, so pricing and treasury decisions lack a single margin view.
How It Works
- Ingests loan-level yield, cost of funds, opex, borrowing and maturity data.
- One semantic definition of NIM, cost-to-income and cost of funds.
- Serves the cockpit with group-to-branch drill-down and liquidity views.
What It Removes
- Fragmented margin views
- Ad-hoc treasury spreadsheets
- Slow drill-down to branch
Input Data RequirementsLoan-level yield, cost of funds, opex, borrowing mix, maturity ladder, liquidity
Output FormatNIM and cost-to-income cockpit, branch-level margin drill-down, treasury and liquidity view
“The whole margin story - yield, funding, liquidity - on one screen, down to the branch.”