Temenos Spotlight User and Administrator Guide

Temenos Spotlight User andAdministrator Guide

Information in this document is subject to change without notice.No part of this document may be reproduced or transmitted in any form or by any means,for any purpose, without the express written permission of TEMENOS HEADQUARTERS SA.© 2016 Temenos Headquarters SA - All Rights Reserved.

Table of ContentsAbout Temenos 2

System Requirements 3

Known Issues 4

Administrator Guide 5

Users Administration 5-11

Institution Administration 11-12

Configurations 12-13

Branch Location 13-14

End User Guide 15

Basic Functionality 15

Signing into the Cloud 15-17

Signing Out of the Cloud 17

Changing Your Password 17-20

Support 20

Spotlight Navigation 20-21

Spotlight Navigation 21-24

Navigation Tips 24-25

The Focus 25-34

Views 34

View Definitions 34-37

View Details 37-89

Navigating Views 89-100

Profitability Analysis Presentation 100-103

Trends 103-109

Net Contribution Growth - Current Quarter versus Prior Quarter and Year Over Year 109-116

Product Focus 116-124

Peer Comparison 124-126

Product Reviews A-Types 126-134

Customer Profitability Segmentation 134-142

Waived Fees 142-146

Channel Usage 146-149

About Temenos

Founded in 1993, Temenos Group AG, headquartered in Geneva, is a market-leading software provider, partneringwith banks, credit unions and other financial institutions to transform their businesses and stay ahead of a changingmarketplace. With 56 offices worldwide, including eight locations in North America, Temenos offers advancedtechnology leveraging global and onshore expertise. The company provides a full suite of products for analytics &reporting, channels, core processing, financial crime, lifecycle management, payments, and risk & compliance. Formore information, visit www.temenos.com.

Temenos Spotlight User and Administrator Guide

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http://www.temenos.com/

System RequirementsIn order to use Spotlight user machines must support the following:

Software Requirement

WebBrowser

The following web browsers are supported:

Internet Explorer 9Internet Explorer 10Internet Explorer 11Chrome - latest versionFirefox - latest version

If using Internet Explorer, Compatibility Mode must be enabled.

MicrosoftOffice

The following versions of Microsoft Office are supported:

Microsoft Office 2010 (32 or 64 bit)Microsoft Office 2013 (32 or 64 bit)


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Known IssuesThe following known issues are scheduled to be fixed in an upcoming Spotlight release:

ID Number Description

No known issues have been identified.


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Administrator GuideThis guide is to serve as a high-level overview for administrative functionality within the Temenos Cloud. The CloudApplication Administrator Guide contains the following topics:

Users AdministrationInstitution AdministrationConfiguration

Users AdministrationUser Maintenance is performed within the Cloud's Users Administration screen. To navigate to the UsersAdministration screen, click Spotlight from the Top Navigation Bar. Upon clicking Spotlight, the Temenos hostedproducts menu appears. Click the Cloud tile.

Once the Cloud tile is selected, the icon within the Top Navigation Bar changes to the Cloud. Click the Focus icon

located in the top right of the Top Navigation Bar.

Upon clicking the Focus icon, a menu opens from the top of the Cloud Landing Page. Within the menu, users are ableto select Users Administration to add and maintain Cloud user records.

The Users Administration screen opens within the workspace.


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The Users Administration screen displays all cloud user accounts in a table containing the following fields:

Field Description

User This field indicates the name of the cloud user.

EmailAddress

This field indicates the cloud user's email address.

Institution This field indicates the name of the financial institution the cloud user is associated with.

DefaultApplication

This field indicates the cloud user's default cloud application.

Active This field indicates if the cloud user's account is active. If the user is active, this field displays True. Ifthe cloud user is inactive, this field displays as False.

In addition to displaying current user accounts, administrators are able to add new users.

User Account Data

Each user account consists of basic user information and permission, which is collected in User Account Data screen.This screen consists of two sections:

User CredentialsUser Permissions


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1 - User Credentials

The User Credentials section contains fields that allows administrators to identify user's basic information. Within thissection, the following fields display:

FieldName

Description

UserName

Displays the email address of the user.

An email is sent to the email address entered in this field with directions for establishing a securepassword.

FullName

Displays the full name (first and last name) of the user.

CloudAdmin

The Cloud Admin checkbox is used to grant Cloud administrative rights to the new user. Cloudadministrative rights enable a user to add, edit and delete user accounts as well as update userpermissions.

InstanceAdmin

The Instance Admin checkbox is used to grant the user administrative rights the assigned cloadapplications.

The user name and full name fields are required.

2 - User Permissions

The User Permissions section contains three areas that allows administrators to determine which applications a user isable to access and identify their permission level.

Section Description


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Name

Available Contains a list of the following applications:

ElementFramework (Lifecycle Management Suite)ProfitabilitySpotlightTools

Currently, the Lifecycle Management Suite (formerly Framework) is not available in the Cloud and willbecome available in a future release.

Assigned Contains a list of all cloud applications assigned to a user account. The assigned section is brokendown into Admin and Users.

Admin lists the applications in which the user is assigned administrative rights.Users lists the applications in which the user is assigned user-only rights.

Default Indicates the cloud application that displays by default, when the user logs into the Cloud.

Creating a New User

To create a new user, click the Add New Record button located at the Users Administration screen. Once Add New isselected, the User Account Data screen opens.

Enter all applicable fields in the User Credentials section.Assign the desired application(s) to a user account by dragging and dropping the application from theAvailable section to the Assigned section.

Place the application in the Assigned>Admin section to grant administrative rights.Place the application in the Assigned>Users section to grant user only rights.

Using the drop-down list, select the cloud application that displays by default, when the user logs into theCloud.

Editing an Existing User

By editing an existing user's account, administrators are able to perform actions such as: name changes, userdeactivations, password resets, and permission modifications. To edit an existing user:

Locate the desired user from the user list and double-click on his or her name.Upon selecting the desired user, the credentials and permissions sections populate with the user's information.


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Update all applicable user information and permissions.Select the Click here to reset this user's password link to send a system generated email to the user.The email contains a link to reset their password.

Once all edits have been made, click Save.

Deactivating Users

To deactivate an existing user:

Locate the desired user from the user list and double-click on his or her name.Upon selecting the desired user, the credentials and permissions sections populate with the user's information.Click the Deactivate button to suspend the user's account.


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Once a user has been deactivated, click Save.

Reactivating Users

To reactivate a user:

Locate the desired user from the user list and double-click on his or her name.Upon selecting the desired user, the credentials and permissions sections populate with the user's information.


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Select the Click here to activate this user's account link to reactivate the user.Once a user has been reactivated, click Save.

Institution AdministrationInstitution administration is performed within the Cloud's Institution Administration screen. To navigate to theInstitution Administration screen, select the Spotlight icon from the Top Navigation Bar.

Once selected, the Temenos hosted products menu appears. Click the Cloud tile.

Once the Cloud tile is selected, the icon within the Top Navigation Bar changes to the Cloud. Click the Focus icon

located in the top right of the Top Navigation Bar.

Upon clicking the Focus icon, a menu opens from the top of the Cloud Landing Page. Within the menu, users are ableto select Institution Administration to view and edit how certain information is referenced in Spotlight..


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The Institution Administration screen opens within the workspace. The Institution Administration screen allowsadministrators to view and update how their institution references information within Spotlight and Tools.

The Institution Administration screen contains the following fields/information:

Field Description

Institution A read-only field that displays the name of the institution.

TemenosCRMCode

A read-only field that displays the institution's CRM code that appears in the database.

This information is used when contacting Temenos customer care.

ShortInstitutionName

An editable field that allows institutions to determine how they are referenced in views.

This field is limited to 15 characters.

PersonDescriptor

An editable field that allows institutions to determine how their clientele is referenced within Spotlightand Tools, such as member, customer or client.

By default this value is set to member.

Once all fields have been updated appropriately, click Save to retain changes. Click Cancel to abort the changes.

ConfigurationsThe Configuration page allows administrators to adjust settings that determine how information renders withinanalytics.


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To update Configurations, click the Administrator icon within the top navigation bar. Once selected the Administratormenu opens.

From the administrator menu, click the Configuration tile. Once selected, the Configuration page opens.

This page contains the following options:

Configuration Description

BranchLocation

The branch location configuration allows administrators to define the demographic information ofall branches and cost centers associated with their institution.

Currently, only configuration available is Branch Location. Additional configurations will be added in futurereleases.

Branch LocationBranch Locations allows administrators to define the demographic information of all branches and cost centersassociated with their institution. This demographic information is used within Spotlight analytics that display andcompare branch-level data.

To update Branch Location data, click the Administrator icon within the top navigation bar. Click the Configurationtile. From the Configuration listing page, click Branch Location.


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Within the Branch Locations page, a table displays a row for each branch and cost center. The branch location tableallows administrators to view and maintain branch demographic details in the following columns:

Column Description

Org Id The Org Id is a read-only value that displays the unique identifier for each branch.

If a new branch is opened, its Org Id is automatically added to the table when the updated core data isreceived. When a new data file is processed, a script extracts the new Org Ids and adds them to theBranch Locations page.

The new Org Id is visible the following month.

BranchName

Enter the name of the branch associated with the Org Id.

Address Enter the Street Address, City, State and Postal Code associated with the branch.

BranchRegion

Enter the name of the region or district the branch is associated with. The value entered within thisfield, determines how business centers are organized within the Select an Organization tree.

If no branch region is defined, the business center appears in the "Blank Region" drop down within theSelect an Organization panel.

If an institution does not assign demographics to each of their Org Id’s, analytics displays the Org Id in analytics.

Once all branch location details have been updated, click Save to retain the information. Click Cancel to discard theaddition of branch location information.


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End User GuideThis guide provides information about the functionality and navigation within Spotlight.

The Spotlight User Guide contains the following topics:

Basic FunctionalitySpotlight NavigationViews

Welcome to Basic FunctionalityThe Basic Functionality section contains information about basic functions within Temenos Cloud applications. Thesetopics include:

Signing into the CloudSigning out of the CloudChanging Your PasswordSupport

Signing into the CloudTo sign in the Cloud, navigate to https://cloud.akcelerant.com. Users are prompted to enter their sign in credentials toTemenos Cloud Solutions.

Within the Sign In Screen, users are prompted to complete the following fields:

Field Name Description

User Name Enter the email address supplied by the administrator for the user account.


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https://cloud.akcelerant.com/

Password Enter the custom password supplied at the initial sign in to Temenos Cloud Solutions.

Once the User Name and Password fields have been completed, click Sign in to proceed with the login.

Users are given five attempts to successfully sign in. If the a user is unable to successfully sign in after the fifthattempt, their account is locked. Contact your institution's Temenos Cloud Solution administrator to reset yourpassword.

Forgot Password?

If a user password is forgotten, click Forgot Password? to request a password reset.

Upon clicking Forgot Password, users are prompted to supply their email address. Enter the email address associatedwith your user account. Click Continue to submit the password reset. Click Cancel to abort the password resetprocess.

The email address entered must be associated with a valid Temenos Cloud Solutions account.

Once the reset request has been successfully submitted, a system-generated email is sent to the email addressprovided.


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Signing Out of the CloudUsers are able to sign out of Spotlight by clicking on their name on the right side of the Top Navigation Bar. A drop-down list appears. Click Sign off to immediately exit a Spotlight session.

In addition to manually signing out of Spotlight, the system automatically terminates the user's session after 20minutes of inactivity.

Changing Your PasswordTemenos Cloud Solutions' users are required to change their passwords every 90 days. When the time comes tochange the password, users are prompted on the first successful sign in after the 90th day.

All passwords must meet the following requirements:

One lowercase characterOne uppercase characterOne numeric digitOne special characterPassword must be between 8 and 20 characters in length


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In addition to this security protocol, users are able to change their passwords at any time by clicking on their name onthe right side of the Top Navigation Bar. A drop-down list appears. Click Change Password to immediately updatethe Akcelerant Cloud Solutions password.

Upon selecting Change Password, the Reset Your Akcelerant Cloud Solutions Password window opens.

Within this window, complete the following fields:


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New Password Enter a custom password that meets the aforementioned requirements.

Re-enter Password Re-enter the custom password entered in the New Password field.

If the password entered does not match the password is not changed.Users must complete both fields again.

In addition to manually maintaining the password and the 90 security protocol, Temenos Cloud Solutions users arerequired to set their password prior to their first sign in.

Initial Sign in

When users are created for Temenos Cloud Solutions, a system-generated email is sent to the email address indicatedby the administrator.

Spam filters may divert this message. If this email is not found within the inbox, check the Junk Mail folder.

Click the embedded link to select a new password and sign in to the Cloud.


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Within the Select Your New Password panel, complete the following fields:


New Password Enter a custom password that meets the aforementioned requirements.

Re-enter Password Re-enter the custom password entered in the New Password field.

If the password entered does not match the password is not changed.Users must complete both fields again.

Support

The (Support) icon allows users to access the help documentation.

Upon clicking the Support icon, the Support menu opens under the Top Navigation Bar. Select the Help tile to accessthe user and administrator guide.

The help documentation opens within the internet browser.

Spotlight Navigation IntroductionThe Spotlight Navigation section provides information to assist users in navigating and performing basic functionswithin Spotlight. These topics include:

Spotlight Navigation


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Navigation Tips and Tricks

Spotlight NavigationSpotlight contains the following areas where functionality is performed:

Top Navigation Bar

Located at the top of the screen, the Top Navigation Bar contains the following items:

Cloud Applications

On the left side of the Top Navigation Bar, users are able to access a link to the Temenos Cloud applications byclicking the Spotlight button. Upon clicking Spotlightthe following items appear within tiles on the workspace:

Tile Name Description

Cloud Provides a direct link to the Cloud administrative functions.

Elements Provides a direct link to the Elements product page on temenos .com.

Lifecycle Management Suite Provides a direct link to the Lifecycle product page ontemenos.com.

Profitability Provides a direct link to the Profitability landing page.

Spotlight Provides a direct link to the Spotlight landing page.

Tools Provides a direct link to the Tools landing page.

User Options

On the right side of the Top Navigation Bar, users are able to access user options by clicking their name.


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Upon clicking the user name, a drop-down list appears that contains the following options:

1. Change your password - Allows users to change their cloud password. For more information, refer tothe Changing Your Password topic within this guide.

2. Sign off - Allows users to end a Spotlightsession. For more information, refer to the Signing out of the Cloudthe topic within this guide.

Focus

The (Focus) icon is located on the right side of the Top Navigation Bar.

Upon clicking the Focus icon, a menu opens from the top of the Spotlight Landing Page. Within the menu, users areable to select Product, which enables users to view reports.

For more information on generating views, refer to the Focus topic within this guide.

Support

The (Support) icon allows users to access the help documentation.

Upon clicking the Support icon, the Support menu opens under the Top Navigation Bar. Select the Help tile to accessthe user and administrator guide.

The help documentation opens within the internet browser.

Administrator

The (Administrator) icon is located on the far right of the Top Navigation Bar.

This icon only appears for Spotlight users that have administrator authority.

Upon clicking the Administrator icon, the Spotlight Administration menu opens from the top of the screen.


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For more information, see the Configuration topic within the Administrator Guide.

Spotlight Workspace

Located beneath the Top Navigation Bar is the Spotlight Workspace. This is the area in which users work withinSpotlight and views are displayed and generated.

Pop-Out Functionality

Within Cloud applications, users have the ability to pop-out new Spotlight windows by clicking the Pop-Out button.

Clicking the Pop-Out button, opens a new Spotlight window. Users are able to work in both windows an run separateprocesses.


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Spotlight users can use this functionality to pop-out multiple Views, enabling users to compare different productsand/or time periods.

Navigation TipsThe following navigation tips have been provided to assist users while using Spotlight:

Clearing the Spotlight Landing Page

Users are able to clear the content on the Spotlight Landing Page by clicking the Spotlight icon on the left side of theTop Navigation bar.

Once selected, click the Spotlight tile.


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The Spotlight landing page will reset.

Minimizing Tiles

When the hosted product tiles are populated within the workspace, users are able click any blank space within the TopNavigation Bar to minimize the tiles.

Timed Out Session

After 20 minutes of inactivity, user sessions within Cloud applications are deactivated. Despite being signed out of theapplication, the screen displayed remains unchanged. However upon attempting to navigate awayscreen, Spotlight takes the user back to the sign in screen.

Sign back into the cloud to continue working within Spotlight.

Printing

If using IE, the view may be cutoff when attempting to print screen.

Chrome, Safari and Firefox are not affected by this issue.

The FocusThe Focus allows users to generate views with advanced analytics and graphic representations of data. To generate aview, click the Focus icon.

Upon clicking the Focus icon, a menu opens on the left side of the Spotlight Workspace.

Within this menu, users are able to select Product or Profitability Analysis Presentation to begin selecting viewcriteria focus area.

Focus Area Description

Product Product enables users to view the actives and data associated all financial instruments or servicesthat can be offered to consumers.

ProfitabilityAnalysis

Profitability Analysis Presentation enables users to access the 42-page report that is comprised of19 separate analytics which compares the last completed quarter with the previous full quarter.


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Presentation

Product

Once Product is selected, users are directed to the Product Management Summary view. Click All Products byMonth to apply filters and submit a view request.

The Spotlight workspace displays the following filter panels:

Select a Product

Select a Product allows users to specify which products are included within the view. In the Select a Product panel,select the desired products by navigating through the product tree.


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The following products are included within the Select a Product tree:

Deposits

Deposits allows users to generate views based upon the funds on deposit at an institution. Users can generate viewsbased upon all deposits, specific deposit Categories such as business deposits or consumer deposits and AccountTypes such as Business Free Checking or Consumer Free Checking.

Deposits always appears within the Select a Product tree, however the product categories and account types thatappear within deposits varies from institution to institution. For example, if an institution does not contain any 30Month CD account types that account type does not appear within the tree.

Letter of Credit

Letter of Credit allows users to generate views based upon the letters of credit held by an institution. Users cangenerate views based upon all letters of credit, specific categories or account type.


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Letter of Credit always appears within the Select a Product tree, however the product categories and account typesthat appear within letter of credit varies from institution to institution. For example, if an institution does not offerletters of credit no product categories or account types appear within the tree.

Loans

Loans allows users to generate views based upon the funds extended by an institution. Users can generate viewsbased upon all loans, specific loan Categories such as Auto Loans or Account Types such as 60 Month New Auto Loan.

Loans always appears within the Select a Product tree, however the product categories and account types thatappear within loans varies from institution to institution. For example, if an institution does not contain anyCommercial Construction loans that account type does not appear within the tree.

Member/Customer

Member/Customer allows users to select the member/customer products, product categories and account types to beincluded within the view.


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By default Member is displayed, however institutions are able customize how this is displayed within InstitutionAdministration.

Member/Customer always appears within the Select a Product tree, however the product categories and accounttypes that appear within loans varies from institution to institution. For example, if an institution does not offerSafe Deposit Boxes that product category does not appear within the tree.

Wealth Management

Wealth Management allows users to generate views based upon an institution's wealth management products. Userscan generate views based upon all wealth management products, specific categories such as investment, trust orinsurance products and specific account type.

Wealth Management always appears within the Select a Product tree, however the product categories and accounttypes that appear within wealth management varies from institution to institution. For example, if an institutiondoes not offer Trust services that product category does not appear within the tree.

The Select a Product tree is organized into the following hierarchy:


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Level Description

Product Product is the first level of the Select a Product tree. It is broken down into five product types: deposits,letter of credit, loans, member and wealth management.

ProductCategory

Product category is the second level in the tree. The entries within this level vary from institution toinstitution.

AccountType

Account type is the third level of the tree or any subsequent level under product category. The accounttype level allows users to select the lowest share or loan code under a given product category.

Refining the Product Tree

Users are able to refine the Product tree, by clicking the arrow associated with the desired product.

Upon clicking the product it expands to display the associated product categories. Users are then able to select thedesired product category to display the associated account types.

Once the desired account type is located, click the name of the account type. The selected account name populateswithin the Current Criteria panel.

Users are able to select entire products, product categories or account types to include all subordinate items. Forexample, highlighting Deposits selects all deposit product categories and account types.


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Users are also able to select All Products to generate an institution-wide P&L view.

Select an Organization

Select an Organization allows users to specify which Branch Regions are included within the view. In the Select anOrganization panel, select the desired branch or region by navigating through the branch tree.

The Select an Organization filter is not available for all Product Views. If this filter is not available for a View, theBranch tree appears grayed out and cannot be selected.

The Select an Organization filter is currently available for the P&L view.

If a user selects a branch or region with no data or if an institution does not provide Organization Id's withinBranch Locations, Spotlight displays the following message within the analytic: "No Data Available."

Select a Date Range

Select a Date Range allows users to specify the date range for the view.


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Within the Select a Date Range panel, users are able to enter a custom date range using the From and To fields orthey are able select one of the six pre-defined date ranges:

Last Month ProcessedLast Quarter ProcessedYear to DateLast Month Processed Same Time Last YearLast Quarter Processed Same Time Last YearLast Year

Selecting a pre-defined date range automatically populates the To and From fields with the date range.

Spotlight prevents users from selecting dates for which view data is not available.

Select a Roll-up

The Select a Roll-up filter enables users to group analytics by month, quarter or year. The available options within thisfilter dynamically change according to the date range selected.


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When choosing the “year” roll-up, the period must begin with January and end with December

Select a View

Select a View enables users to select the view to be rendered. To select a view, click the down arrow to display theviews drop-down.

The list of available views filters according to product selected. For example, the Interest view is not available forthe Member product.

For a complete list of views, refer to the View Definitions topic within this guide.

Current Criteria

Current Criteria is a read-only panel that displays a summary of all the filters applied to the view being created.


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To generate a view, a Product, Date Range and View must be selected.

Once filters have been applied, click OK to generate the view. Click Cancel to reset the filters.

OverviewThe Views section contains the following topics that provide details on Views within Spotlight:

View DefinitionsView DetailsNavigating Views

View DefinitionsThe following product views are available within the Select a View drop-down list:

Benchmark Category ComparisonClose Account AnalysisCost Top 10Cost TrendInstitution Trending Prior QuarterInterestMemberNet Contribution Growth ComparisonNew Loan Weighted Interest RateOpen Account AnalysisP&LPercent of Net ContributionProcess Account AnalysisProduct Management SummaryProduct SummaryProducts per Account HolderRevenue Top 10Revenue TrendSegmentation DrilldownTotal Average Net ContributionWaived Fees


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Name: Benchmark Category Comparison

Description: The Close Account Analysis view displays the number of accounts closed as well as the associated costsof each product during the selected time period in the hierarchy (one level below the selected product). Closedaccounts and costs for the selected product are further delineated by channel.

For additional view details, refer to the Close Account Analysis topic within the View Details section.

Focus Area: Product

Name: Cost Top 10

Description: The Cost Trend view displays the total costs of the selected product and time period. The costs of theselected product are further detailed by the following types: Processing, Maintenance and One-Time (Open andClose) costs.

For additional view details, refer to the Cost Trend topic within the View Details section.

Focus Area: Product

Name: Institution Trending Prior Quarter

Description: The Interest view displays rates and values of a product's interest, FTP and spread for the selected timeperiod.

For additional view details, refer to the Interest topic within the View Details section.

Focus Area: Product

Name: Member

Description: The Net Contribution Growth Comparison view displays two graphs that compare the Net Contributionof the current quarter to the previous quarter and same quarter in the previous year

For additional view details, refer to the Net Contribution Growth Comparison topic within the View Detailssection.

Focus Area: Product

Name: New Loan Weighted Interest Rate


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Description: The Open Account Analysis view displays the number of accounts opened as well as the associatedcosts of each product during the selected time period in the hierarchy (one level below the selected product). Theopened accounts and costs for the selected product are further delineated by channel.

For additional view details, refer to the Open Account Analysis topic within the View Details section.

Focus Area: Product

Name: P&L

Description: The Percent of Net Contribution analytic displays member profitability by percent of net contribution.The entire customer/membership pool is grouped into ten groups (deciles), each representing ten percent of thecustomers/membership. The cumulative total percent of net contribution, percent of net contribution and netcontribution of each decile is represented graphically.

For additional view details, refer to the Percent of Net Contribution topic within the View Details section.

Focus Area: Product

Name: Process Account Analysis

Description: The Product Management Summary view displays an "at a glance" overview of an institution'sperformance. It includes a chart and multiple graphical representations. The first and last periods of the date rangechosen are displayed, along with the variance between these periods. The period total and period averages are alsoshown.

For additional view details, refer to the Product Management Summary topic within the View Details section.

Focus Area: Product

Name: Product Summary

Description: The Products per Account Holder view displays account holders profitability in relation to the numberof products, auxiliary products and channels used for the selected time period.

For additional view details, refer to the Products per Account Holder topic within the View Details section.

Focus Area: Product

Name: Revenue Top 10


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Description: The Revenue Trend view displays the Net Interest and Non-Interest Income components of revenue,along with the detailed elements of Non-Interest Income.

For additional view details, refer to the Revenue Trend topic within the View Details section.

Focus Area: Product

Name: Segmentation Drilldown

Description: Total Average Net Contribution enables institutions to view the historical trending of the P&Litem Average Net Contribution Per Account for the period and products selected.

For additional view details, refer to the Total Average Net Contribution topic within the View Details section.

Focus Area: Product

Name: Waived Fees

Description: The Waived Fees view displays specific Non-Interest Income components, such as fee and waive feeinformation, for the selected product and time period.

For additional view details, refer to the Waived Fees topic within the View Details section.

Focus Area: Product

View DetailsBenchmark Category ComparisonClose Account AnalysisCost Top 10Cost TrendInstitution Trending Prior QuarterInterestMemberNet Contribution Growth ComparisonNew Loan Weighted Interest RateOpen Account AnalysisP&LPercent of Net ContributionProcess Account AnalysisProduct Management SummaryProduct SummaryProducts per Account HolderRevenue Top 10Revenue TrendSegmentation DrilldownTotal Average Net Contribution


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Waived Fees

Unless otherwise indicated, all view details are provided from the All Products level.

Benchmark Category Comparison

The Benchmark Category Comparison contains two separate views that display twelve bar charts comparing theperformance of the financial institution against the average of all peers and the average of the top three peers for thestandard products and categories.

The Benchmark Category Comparison analytic is unable to render at the All Products level or for any institutionspecific product categories and account types. It can only be selected at the product level and for the first fourcategory levels within each product.

The data displayed in the analytic can be filtered according to a month, quarter or year roll-up.

If the date range is a year and either the Quarter or Year Roll-Up option is selected, the Benchmark CategoryAnalytic represents the averages for that year.If the date range is a quarter and the Quarter Roll-Up option is selected, the Benchmark Category Analyticrepresents the averages for that quarter.If the date range is custom and the Month Roll-Up option is selected, only the data for the last month in thedate range is represented in the results. However, if the date range is custom and either the Quarter or YearRoll-Up is selection, the data for the entire date range will be represented in the resulting charts.

This analytic does not display quarter to quarter or year to year comparisons. Instead, each category chart showsthe averages for the institution, top three peers, and all peers for the entire date range entered or selected.

The top three peers are chosen based on Net Margin of the institution and not the selected product. Both financialand non-financial KPIs are displayed.


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By default, the View by Net Margin view displays. This view displays the Benchmark Category Comparison charts by


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the top 3 peers based on Net Margin at the institution level. The top three peers remain the same for all twelve chartsincluded in the view. The View by Category displays the top three peers based on the data for each chart. The financialinstitutions comprising the top three peers can be unique for all twelve charts included in the view.

The Benchmark Category Comparison view includes the following information:

Revenue:

KPI Description

Net Int Inc per Acct Displays a financial institution's net interest income per account as well as all their peersand top three peers.

Total Net Interests Income / # of Accounts

Non-Int Inc per Acct Displays a financial institution's non-interest income per account as well as all theirpeers and top three peers.

Total Non-Interests Income / # of Accounts

Total Rev per Acct Displays a financial institution's total revenue per account as well as all their peers andtop three peers.

Total Revenue / # of Accounts

Net Contribution:

KPI Description

Total Rev per Acct Displays a financial institution's total revenue per account as well as all their peers andtop three peers.

Total Revenue / # of Accounts

Total Costs per Acct Displays a financial institution's net costs per account as well as all their peers and topthree peers.

Total Costs / # of Accounts

Net Cont per Acct Displays a financial institution's net contribution per account as well as all their peersand top three peers.

Total Net Contribution / # of Accounts

Rates:

KPI Description

Interest Rate Displays a financial institution's interest rate as well as all their peers and top threepeers.

(Interest Income + Interest Expense) * 12 / Average Balance

FTP Displays a financial institution's FTP as well as all their peers and top three peers.

(Funds Transfer Credit + Funds Transfer Charge) * 12 / Average Balance

Spread Displays a financial institution's spread as well as all their peers and top three peers.


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Interest Rate + FTP Rate

Net Margin Displays a financial institution's net margin as well as all their peers and top three peers.

Net Contribution / Total Revenue

Volumes:

KPI Description

Product Count Displays a financial institution's product count as well as all their peers and top threepeers.

Avg Balance per Acct Displays a financial institution's average balance per account as well as all their peersand top three peers.

Total Balance / # of Accounts

If the Net Contribution or Total Revenue is less than or equal to zero then the Net Margin is blank in the analytic.

Comparing to All Peers:

This section displays a “traffic light” graphic to quickly identify an institution's performance relative to its peers, basedon a color-coded scale.

Green -An institution is performing well in comparison to its peers.Yellow - An institution is performing comparably to its peers.Red - An institution is performing at a level below its peers.

This scale is displayed for each graph displayed within the Benchmark Category Comparison view.

If no peer data is available, the following message renders:

The data within this view can be exported to PDF format.


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For information on exporting view data to PDF, see the Navigating Views topic.

Click the View by drop-down to change the view displayed in Benchmark Category Comparison.

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Close Account Analysis

The Close Account Analysis displays the number of accounts closed as well as the associated costs of each productduring the selected time period in the hierarchy (one level below the selected product). Closed accounts and costs forthe selected product are further delineated by channel.


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The Close Account Analysis view includes the following information:


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KPI Description

Number of AccountsClosed by Product

A stacked column chart that shows the number of accounts closed for each product in ahierarchy that is one level lower than the selected product during the selected time period.

Cost to CloseAccounts by Product

A stacked column chart that shows the closing cost of accounts for each product in ahierarchy that is one level lower than the selected product during the selected time period.

Number of AccountsClosed by Channel

A stacked column chart that shows the number of accounts closed for the selected productfor each channel during the selected time period.

Cost to CloseAccounts by Channel

A stacked column chart that shows the closing cost of accounts for the selected product foreach channel during the selected time period.

Costs per Channel A pie chart that shows the total closing cost of accounts for the selected product for eachchannel during the selected time period.



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Cost Top 10

The Cost Top 10 view displays the top ten drivers that impact revenue, based on the absolute value of all revenueitems. These revenue items are sorted in descending order according to their absolute value displayed in the Totalcolumn. The first and last periods of the date range chosen are displayed, along with the variance between theseperiods. The period total and period averages are also shown.

The Cost Top 10 view also displays the dollar amount of the top ten cost P&L line items based on their numerical sizefor the selected period start, total, average and end. The pie chart shows the relative size of the top ten cost itemsalong with all other cost items aggregated together.


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If there is no data to display, the chart/graph indicates no data is available.

In some cases, percentages are too small to display a graphical representation on the chart. However, users areable to view these small values by hovering over the Y axis.



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Cost Trend

The Cost Trend view displays the total costs of the selected product and time period. The costs of the selectedproduct are further detailed by the following types: Processing, Maintenance and One-Time (Open and Close) costs.

The Cost Trend view contains the following information:

KPI Description

Cost Trend A stacked area chart that shows the costs for the selected product and time period detailedby cost type: Processing, Maintenance and One-Time (Open and Close) costs.

Processing Costs A column chart that shows the processing costs for the selected product and time period.

Maintenance Costs A column chart that shows the maintenance costs for the selected product and time period.

One-Time Costs A column chart that shows the one-time costs for the selected product and time period.


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Institution Trending Prior Quarter

The Institution Trending Prior Quarter view contains four graphs that display Average Customer, Average Accounts,Average Balance and Net Contribution trends over a two-year period.

These graphs displays quarterly averages for each focus areas, thereby allowing institutions to identify trends byviewing their average quarterly performance.


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To the right of the graphs, a summary displayscomparative data that highlights the differences betweenthe current quarter and the previous quarter. Within thissummary:

Each focus area is itemized in a bulleted list.The Average Accounts, Average Balance and NetContribution focus areas contain both loan anddeposit information.Each comparison statement is accompanied by avalue which indicates the percent change.The formula to calculate percent change is (CurrentQtr - Previous Qtr) / Current Qtr

Negative values are indicated in parenthesis

The Institution Trending Prior Quarter view is only available at the All Products level.

Average Customer Trend

The Average Customer Trend graph illustrates the quarterly-average number of customers open at a financialinstitution. Within this graph, the x-axis indicates the dates range. The y-axis displays the average customer volume.

Clicking a bar within the graph opens a pop-up window that displays the following data:

Column Description Calculation

Year Indicates the year in which the customer data pertains to. N/A

Qtr Indicates the quarter which the customer data pertains to. N/A

# Customers Indicates the average number of customers for the quarter. Sum(C_Custnum)for each period

Moving Average Indicates the average number of customers for the current quarter and allprevious quarters. For example, the moving average for Q2 2014 include the #Customer values for Q2 and Q1 2014 as well as Q4 2013. The moving averagefor Q3 2014 include the # Customer values for Q3, Q2 and Q1 2014 as well asQ4 2013.

Sum(C_Custnum)for each period/number ofperiodssummed

% Change Indicates the percent difference between the current and previous quarter'saverage number of customers.

(Current Qtr -Prior Qtr) / PriorQtr


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Average Accounts Trend

The Average Account Trend graph illustrates the quarterly-average number of deposit and loan accounts open at afinancial institution. Within this graph, the x-axis indicates the dates range. The y-axis displays the average accountvolume.



Year Indicates the year in which the account data pertains to. N/A

Qtr Indicates the quarter which the account data pertains to. N/A

# Accounts Indicates the average number of deposit, loan and total accounts for the quarter. Sum(AACCTID)for eachperiod

Moving Average Indicates the average number of deposit, loan and total accounts for the currentquarter and all previous quarters. For example, the moving average for Q2 2014include the # Account values for Q2 and Q1 2014 as well as Q4 2013. Themoving average for Q3 2014 include the # Account values for Q3, Q2 and Q12014 as well as Q4 2013.

Sum(AACCTID)for eachperiod/number ofperiodssummed

% Change Indicates the percent difference between the current and previous quarter'saverage number of accounts .

(Current Qtr #Accts - PriorQtr # Accts) /Prior Qtr #Accts


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Period Average Balance Trends

The Period Average Balance Trend graph illustrates the quarterly average balance for deposit and loan products at afinancial institution. Within this graph, the x-axis indicates the dates range. The y-axis displays the amount.



Year Indicates the year in which the balance data pertains to. N/A

Qtr Indicates the quarter which the balance data pertains to. N/A

Period Avg Bal Indicates the average balances for the quarter. SUM(AAVGBAL)for each period

Moving Average Indicates the average deposit, loan and total balances for the current quarterand all previous quarters. For example, the moving average for Q2 2014include the Period Avg Bal values for Q2 and Q1 2014 as well as Q4 2013. Themoving average for Q3 2014 include the Period Avg Bal values for Q3, Q2 andQ1 2014 as well as Q4 2013.

SUM(AAVGBAL)for each period/number ofperiods summed

% Change Indicates the percent difference between the current and previous quarter's (Current Qtr


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period average balance. Period Avg Bal -Prior Qtr PeriodAvg Bal) / PriorQtr Period AvgBal

Net Contribution Trend

The Net Contribution Trend graph illustrates the quarterly net contribution average for deposit and loan products at afinancial institution. Within this graph, the x-axis indicates the dates range. The y-axis displays the amount.



Year Indicates the year in which the customer data pertains to. N/A

Qtr Indicates the quarter which the customer data pertains to. N/A

Net Contribution Indicates the average deposit, loan and total net contribution for thequarter.

SUM(FNETCONT)for each period


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Moving Average Indicates the average deposit, loan and total balances for the currentquarter and all previous quarters. For example, the moving average for Q22014 include the Net Contribution values for Q2 and Q1 2014 as well as Q42013. The moving average for Q3 2014 include the Net Contribution valuesfor Q3, Q2 and Q1 2014 as well as Q4 2013.

SUM(FNETCONT)for each period/number ofperiods summed

% Change Indicates the percent difference between the current and previous quarter'snet contribution.

(Current Qtr NetContribution -Prior Qtr NetContribution) /Prior Qtr NetContribution

The date ranges for this view are hard-coded and users are unable to select a custom date range.

For information on exporting view data to Excel or PDF, see the Navigating Views topic.

Due to code limitations in the Excel export, the Moving Average of the earliest quarter (first row in the exporteddata) populates with the value of equal to the # of Accounts, Customers, Period Avg Bal and Net contribution.


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The associated % Change always equals zero.

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Interest

The Interest view displays rates and values of a product's interest, FTP and spread for the selected time period.

The Interest view includes the following information:


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KPI Description

Interest Rate, FTPRate, and Spread

A line and column chart that shows the interest rate, FTP rate and spread for the selectedproduct time period.

Interest A column chart that shows the dollar amount of interest for the selected product and timeperiod.

FTP A column chart that shows the dollar amount of Funds Transfer for the selected productand time period.

Spread A column chart that shows the dollar amount of spread for the selected product and timeperiod.



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Member

The Member view displays the distribution of products, age and FICO score of the members who have the selectedproduct during the selected time period.


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The Member view includes the following information:

KPI Description

Other Products ofmembers who havethis product

A pie chart that indicates the total number of accounts by product for members that havethe selected product.

Age Distribution ofmembers who havethis product

A column chart that shows the distribution of members by age group for the productselected.

If there are no member records associated with a product, a graphical representation isnot created.

FICO Distribution ofmembers who havethis product

A column chart that shows the distribution of members by FICO group for the productselected. Standard FICO groupings are used.

If there are no member records associated with a product, a graphical representation isnot created.



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Net Contribution Growth Comparison

The Net Contribution Growth Comparison view contains two graphs that display the current quarter's NetContribution for each product category, in comparison to historical net contribution data.


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The upper graph displays the Net Contribution of the current quarter as compared to the previous quarter. The lowergraph displays the Net Contribution of the current quarter or compared to the same quarter during the previous year.

Both graphs are accompanied by a chart that displays the net contribution for each period, as well as growth amountand percentage change for each product.

The date ranges for this view are hard-coded and users are unable to select a custom date range.

For information on exporting view data to PDF and Excel, see the Navigating Views topic.


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New Loan Weighted Interest Rate

The New Loan Weighted Interest Rate view trends the weighted average interest rate for new loan production for theperiod of time selected. At the top level, this view plots the number of accounts opened against the weighted interestrate.

In this graph, there are two y-axes. The left y-axis corresponds with the line plot and represents the number of loansopened during the selected date range. The right y-axis corresponds with the bars on the graph and indicates theweighted interest rate of the new loans opened during the selected date range.

By double-clicking on a bar, users are able to drill-down and view the loan products opened during that period.


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In this graph, there are two y-axes. The left y-axis corresponds with the line plot and represents the number of loansopened during the selected period. The right y-axis corresponds with the bars on the graph and indicates theweighted interest rate of the new loans opened during the selected period.

Double-click on a loan product bar to drill-down and view the loan sub-products that opened during the periodselected.


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Double-click on a loan sub-product bar to filter out any other sub-products.


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The New Loan Weighted Interest Rate view allows users to export view data to PDF and Excel.

For information on exporting view data to PDF and Excel, see the Navigating Views topic.

This view is only available for loan products.

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Open Account Analysis

The Open Account Analysis view displays the number of accounts opened as well as the associated costs of eachproduct during the selected time period in the hierarchy (one level below the selected product). The opened accountsand costs for the selected product are further delineated by channel.


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The Open Account Analysis view includes the following information:

KPI Description

Number of AccountsOpened by Product

A stacked column chart that shows the number of accounts opened for each product in ahierarchy that is one level lower than the selected product during the selected time period.

Cost to OpenAccounts by Product

A stacked column chart that shows the opening cost of accounts for each product in ahierarchy that is one level lower than the selected product during the selected time period.

Number of AccountsOpened by Channel

A stacked column chart that shows the number of accounts opened for the selectedproduct for each channel during the selected time period.

Cost to OpenAccounts by Channel

A stacked column chart that shows the opening cost of accounts for the selected productfor each channel during the selected time period.

Costs per Channel A pie chart that shows the total opening cost of accounts for the selected product for eachchannel during the selected time period.



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P&L

The P&L (profit and loss) view displays a traditional profit and loss statement for the selected product. All revenue,cost and profitability line items are detailed along with balances and other key indicators.

The P&L view can be rendered for all branches. It may also be refined to a specific region or branch. The level atwhich P&L is being rendered displays at the top of the view.If the branch or region selected has no data, Spotlight displays "No Data Available for this chart" within the view.

The first and last periods of the date range chosen are displayed, along with the variance between these periods. Theperiod total and period averages are also shown.


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In addition to displaying an institution's profit and loss statement, the P & L view enables users to export the data to aP & L Modeler and Excel.

P & L Modeler

The P & L Modeler provides institutions the ability to perform modeling analysis on an institutions P & L view by

adjusting individual line items using a multiplier. To export the P & L statement data to the Modeler, click in thetop right of the view. Upon clicking the Modeler icon, a pop-up window opens.


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Within the P & L Modeler, users are able to increase or decrease Profit and Loss line items by updating the

corresponding multiplier fields. Once multipliers have been updated, click to recalculate and refresh all Profitand Loss item subtotals, totals and grand totals.

By default, the P&L Multiplier field contains a value of 1. This value represents 100% of the current total. Whenupdating the P&L Multiplier field, decimal and whole number values are the only acceptable entries.

Entering a value of .5 indicates that only 50% of the line item's current total will be used. For example, ifInterest Income has a total of $1,000,000 and .5 is entered as the multiplier, the Total displays $500,000. Thesub-total and grand totals also update according to this P & L model.

Entering a value 1.5 indicates that 150% of the line item's current total will be used. For example, if InterestIncome has a total of $1,000,000 and 1.5 is entered as the multiplier, the Total displays $1,500,000. The sub-total and grand totals also update according to this P & L model.


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Percent of Net Contribution


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The Percent of Net Contribution analytic displays profitability by percent of net contribution.

The title of the analytic is dependent on the selection made in the Person Descriptor field within InstitutionAdministration. For example, if Customer is selected in the Person Descriptor field, the analytic is titled CustomerPercent of Net Contribution.

The entire customer/membership pool is grouped into ten groups (deciles), each representing ten percent of thecustomers/membership. The cumulative total percent of net contribution, percent of net contribution and netcontribution of each decile is represented graphically.

Users are limited to Q1, Q2, Q3 and Q4 selections (according to the calendar) and unable to generate this analyticusing custom date ranges.

In this graph, the x-axis displays the numbers 1 - 10, which represent each decile. There are also two y-axes. The leftaxis corresponds with both the green and red plot lines.

The green plot line represents the cumulative total percent of net contribution each decile is responsiblefor during the selected date range.The red plot line represents the percent of net contribution each decile is responsible for during the selecteddate range.


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Each percent is the cumulative total moving left to right in the analytic. For example, decile 1 is responsiblefor 131.8%. Decile 2 is cumulative for decile 1 and 2 (158.1% = 131.8% + 26.3%).

The right y-axis corresponds with the bars on the graph and indicates the net contribution each decile is responsiblefor during the selected date range.

Beneath the analytic, a key indicates which are the top and bottom deciles.

At the bottom of the analytic, two messages are displayed:

The green message refers to the top two deciles and states the "Top 20% of your Customers/Members,representing XXXXX Members/Customers, are responsible for XXX.X% of Net Contribution."

The value inserted into the XXXXX and XX.XX% positions vary depending on the sum of the top 20%profitability.

The red message refers to the unprofitable deciles and states "XX% of your Members/Customers, representingXXXXX Members/Customers, are unprofitable."

The value inserted into the XXXXX and XX% positions vary depending on the total of the profitabilitynumbers where the net contribution is negative.



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Process Account Analysis

The Process Account Analysis view displays the number of transactions processed as well as the associated costs ofeach product during the selected time period in the hierarchy (one level below the selected product). Transactioncounts and costs for the selected product are further delineated by channel.


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The Process Account Analysis view includes the following information:

KPI Description

Number ofTransactionsProcessed by Product

A stacked column chart that shows the number of processing transactions for each productin a hierarchy that is one level lower than the selected product during the selected timeperiod.

Costs to ProcessTransactions byProduct

A stacked column chart that shows the cost of processing transactions for each product in ahierarchy that is one level lower than the selected product during the selected time period.

Number ofTransactionsProcessed by Channel

A stacked column chart that shows the number of processing transactions for the selectedproduct for each channel during the selected time period.

Costs to ProcessTransactions byChannel

A stacked column chart that shows the cost of processing transactions for the selectedproduct for each channel during the selected time period.

Costs per Channel A pie chart that shows the total cost of processing transactions for the selected product foreach channel during the selected time period.

The data within this view can be exported to PDF and format.


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Product Management Summary

The Product Management Summary view displays an "at a glance" overview of an institution's performance. Itincludes a chart and multiple graphical representations. The first and last periods of the date range chosen aredisplayed, along with the variance between these periods. The period total and period averages are also shown.


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The Product Management Summary view contains the following key performance indicators:

KPI Description

NetContribution

A detail and area chart that displays the Net Contribution is Total Net Interest and Non-InterestIncome, minus Total Processing Costs for product and period selected.

Users are able to refine the information within the Net Contribution chart. However upon refininginformation, the view changes to the Product Summary. To return to the Product ManagementSummary view, users must reapply the appropriate filters. To re-select the Product ManagementSummary view, select All Products from the Select a Product filter and Product ManagementSummary from the Select a View filter.

RevenueTrend by

A stacked column chart and table that displays the deposit, loan and person revenue trends of aninstitution. The associated table displays the first and last periods of the date range chosen are as well


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Product as the variance between these periods for financial, account and person data. The period total andperiod averages are also displayed.

Net Margin A detail and area chart that displays the Net Contribution divided by Total Revenue for product andperiod selected.

Users are able to refine the information within the Net Margin chart. However upon refininginformation, the view changes to the Product Summary. To return to the Product ManagementSummary view, users must reapply the appropriate filters. To re-select the Product ManagementSummary view, select All Products from the Select a Product filter and Product ManagementSummary from the Select a View filter.

NewAccounts byProduct

A stacked column chart that shows the number of accounts opened for each product in a hierarchythat is one level lower than the selected product during the selected time period.

Net Non-InterestIncomeExcludingInterchange

A line and column chart that shows Net Non-Interest Income stacked to indicate total revenuewithout Interchange.


Only available when All Products is selected.



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Product Summary

The Product Summary view displays the top and bottom five profit and loss cost line items as well as graphicalrepresentations based on their numerical size. The first and last periods of the date range chosen are displayed, alongwith the variance between these periods. The period total and period averages are also shown.


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The Product Summary view contains the following key performance indicators:


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KPI Description

Revenue A Detail and Area Chart that displays the Net Interest Income plus Non-InterestIncome for product and period selected.

Cost A Detail and Area Chart that displays the Total Processing Costs for product andperiod selected.

Net Contribution A Detail and Area Chart that displays the Net Contribution is Total Net Interest andNon-Interest Income, minus Total Processing Costs for product and periodselected.

Net Margin A Detail and Area Chart that displays the Net Contribution divided by TotalRevenue for product and period selected.

Spread A Detail and Area Chart that displays the Interest Expense or Income, plus or minusFunds Transfer Credit or Charge, respectively, annualized, for product and periodselected.

# Accounts A Detail and Area Chart that displays the Period end number of outstandingaccounts for the product selected.

# Opened Accounts A Detail and Area Chart that displays the Number of new accounts opened forproduct and period selected.

# Closed Accounts A Detail and Area Chart that displays the Number of closed accounts for productand period selected.

Net # New Accounts A Detail and Area Chart that displays the net number of Opened Accounts andClosed Accounts for product and period selected.

Avg Bal per Account A Detail and Area Chart that displays the Average balance per account based onnumber of selected product accounts outstanding and associated total averagebalance at the end of the period selected.

# Members A Detail and Area Chart that displays the Period end number of outstandingmembers.

Net Contribution per Account A Detail and Area Chart that displays the Net Contribution divided by number ofoutstanding accounts for the product and period selected.

Net Contribution per Member A Detail and Area Chart that displays the Net Contribution divided by number ofmembers who have the selected product during the period selected.



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Products per Account Holder

The Products per Account Holder view identifies the number of the Products, Auxiliary Products and Channels peraccount holder as well as profitability information. This data is delivered in a table that is sorted in ascending orderaccording to the number of products. Each row within the table contains a summary of an institution's performance inrelation to the number of products utilized by account holders.


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The Products per Account Holder table contains the following columns:

Column Description

# of Products Displays the number of products utilized by account holders. This column is theconstant by which all account holder information is organized.

Member/Customer/Client Count Displays the total number of account holders that utilize the number of productsidentified in the # of Products column.

Product Count Displays the total number of products utilized by the account holder segment. This value includes all share deposit products, such as: savings accounts, checkingaccounts, money markets, IRAs and certificates. Also included are all loanproducts, such as: auto loans, lines of credit, home equity loans, credit cards,mortgages and commercial loans.

Auxiliary Count Displays the total number of auxiliary products utilized by the account holdersegment.

This value includes all products that are add-on services, such as: safe depositboxes, ATM cards, debit cards, payment protection, MBD, GAP, eStatments and lifeinsurance.

Channel Count Displays the total number of channels utilized by the account holder segment.

This value includes channels such as: Credit card transactions, debit cardtransactions, paper/electronic checks, ACH, ATM in or out, bill pay, branch, contactcenter, mail, online banking, telephone banking and shared branch.

A channel is included in the count, if used more than once.

Net Contribution Displays the net income the account holder segment conributed to the institutionduring the selected date range.

Products PerMember/Customer/Client

Displays the average number of products possessed by the account holdersegment. This value is calculated by dividing Product Count byMember/Customer/Client Count.


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Auxiliary PerMember/Customer/Client

Displays the average number of auxiliary products possessed by the accountholder segment. This value is calculated by dividing Auxiliary Count byMember/Customer/Client Count.

Channel PerMember/Customer/Client

Displays the average number of channels possessed by the account holdersegment. This value is calculated by dividing Channel Count byMember/Customer/Client Count.

Net Income PerMember/Customer/Client

Displays the average net income per account holder within the segment. Thisvalue is calculated by dividing Net Income by Member/Customer/Client Count.

The Member/Customer/Client Count, Products Per Member/Customer/Client, Auxiliary PerMember/Customer/Client, Channel Per Member/Customer/Client and Net Income Per Member/Customer/Clientcolumns reflect the selection made in the Person Descriptor field within Institution Administration.

Within the table, the account holder segment with the highest net income per member is highlighted in yellow.Additionally, the analytic identifies product and auxiliary product per account holder goals beneath the table.

At the bottom of the view, a graph displays account holder profitability in relation to the number of products, auxiliaryproducts and channels they use for the time period selected.

In this graph, there are two y-axes. The left y-axis corresponds with the bars on the graph and indicates the averageproduct, auxiliary product and channel count per account holder. The right y-axis corresponds with the line plot andrepresents the average net contribution per account holder during the selected date range. The x-axis alsocorresponds with the bar charts, but exclusively indicates the products per account holder.

If a customer has 11+ products, the Number of Account Holders multiplied by the Products by Account Holderdoes not equal the Number of Products because the Products Per Account Holder value is rounded to two decimalplaces.



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Revenue Top 10

The Revenue Top 10 view displays the top ten drivers that impact revenue, based on the absolute value of all revenueitems. These revenue items are sorted in descending order according to their absolute value displayed in the Totalcolumn. The first and last periods of the date range chosen are displayed, along with the variance between theseperiods. The period total and period averages are also shown.

The Revenue Top 10 view also includes a bar chart that displays the top ten drivers of revenue, based upon theirabsolute value.



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Revenue Trend

The Revenue Trend view displays the Net Interest and Non-Interest Income components of revenue, along with thedetailed elements of Non-Interest Income.

The Revenue Trend view includes the following information:


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KPI Description

Net Interest and Non-Interest Income

A stacked area chart that shows Net Interest Income and Non-Interest Income stacked toindicate total revenue.

Interchange A column chart that shows Interchange only. Since Interchange is typically the largest Non-Interest Income item, it is displayed on its own chart.

Non-Interest Incomeby Type

This chart shows the Non-Interest Income by type (excluding interchange). Typical non-interest income types shown are fees and waived fees.



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Segmentation Drilldown

The Segmentation Drilldown view displays member profitability by net contribution, less one-time costs. The entiremembership pool is grouped into five groups (quintiles), each representing the twenty percent of the membership.The profitability of each quintile is represented graphically and within the full profit and loss statement and BalanceSheet, each of which appears below the graph.


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Users may select line items within the P&L statement to display graphical representations of each quintilesperformance in relation to the selected line item, plotted against their net contribution.


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The Segmentation Drilldown view also contains the following buttons located at the top of the view:

Segmentation Detail:

Segmentation Details opens in a new window containing comparisons of various deposit, loan and personcomponents of each quintile.


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Segmentation Details contains the following graphs:

Graph Name Details

Net Contribution Displays five bar graphs that compare the net contribution of each quintile broken down byDeposits, Loans and Person income.

Sum of Balance Displays five bar graphs that compare the balance of deposits and loans for each quintile.

Sum of Accounts Displays five bar graphs that compare the number of deposits and loans for each quintile.

Customer AgeDistribution

Displays five bar graphs that compares the age distribution of each quintile.

Customer FICODistribution

Displays five bar graphs that compares the FICO distribution of each quintile.

Quintile Comparison:

Quintile Comparison opens in a new window allowing users to select two quintiles to be compared in graphsdepicting the primary P&L line item totals for total loans and total deposits.


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At the top of the Quintile Comparison, users are able to select the quintiles to be compared. Once Quintile 1 andQuintile 2 are selected, click Refresh to update the data displayed in the graphs.

The selection made in the Select Quintile 1 drop-down displays in the two graphs in the top of the screen. Theselection made in the Select Quintile 2 drop-down displays in the two graphs in the bottom of the screen.

The graphs on the left of the screen display the following loan P&L line items:

Index P&L Line Item

INTINC Interest Income

FRCHG Funds Transfer Charge

PROV Provision

NETINTINC Net Interest Income

TOTFEE Total Fees

TOTREV Total Revenue


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TOTCOST Total Costs

NETCONT Net Contribution

The graphs on the right of the screen display the following deposit P&L line items:

Index P&L Line Item

INTEXP Interest Expense

FNDCR Fund Transfer Credit

NETINTINC Net Interest Income

TOTFEE Total Fees

TOTREV Total Revenue

TOTCOST Total Costs

NETCONT Net Contribution



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Total Average Net Contribution

Total Average Net Contribution enables institutions to view the historical trending of the P&L item Average NetContribution Per Account for the period and products selected. It indicates the average number of accounts on file atan institution in relation to the average dollar amount each account contributes to an institution.

One-time costs are already deducted from the average net contribution values.


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In this graph, there are two y-axes. The left y-axis corresponds with the line plot and represents the average numberof accounts for selected date range. The right y-axis corresponds with the bars on the graph and indicates the averagenet contribution of products during the selected date range. The x-axis indicates the selected date rage.

By double-clicking on a bar, users are able to drill-down to view the net contribution by product for the selected timeperiod.

At this level, each product type is portrayed in a bar allowing users to view each product type's average number ofaccounts and average net contribution for the selected time period.


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In this graph, there are two y-axes. The left y-axis corresponds with the line plot and represents the average numberof accounts for selected date range. The right y-axis corresponds with the bars on the graph and indicates the averagenet contribution of products during the selected date range. The x-axis indicates the product types.

By double-clicking on a bar, users are able to drill-down to view the net contribution by product for the selected timeperiod.

At this level, each product category for the selected product type is portrayed in a bar. This allows users to view eachproduct category's average number of accounts and average net contribution for the selected time period.


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In this graph, there are two y-axes. The left y-axis corresponds with the line plot and represents the average numberof accounts for selected date range. The right y-axis corresponds with the bars on the graph and indicates the averagenet contribution of products during the selected date range. The x-axis indicates the product categories.

By double-clicking on a bar, users are able to drill-down through the subsequent product categories until they areable to view the net contribution of each account type.


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In this graph, there are two y-axes. The left y-axis corresponds with the plot and represents the average number ofaccounts for selected period. The right y-axis corresponds with the bars on the graph and indicates the netcontribution of account type during the selected period. The x-axis indicates the account type.

Waived Fees

The Waived Fees view displays specific Non-Interest Income components, such as fee and waive fee information, forthe selected loan or deposit product and time period.


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The Waived Fees view includes the following information:


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KPI Description

Non-Interest Incomeexcluding Interchange

A line and column chart that shows the fees and waived fees for the selected loan ordeposit product and time period.

Percent of WaivedNon-Interest Incomeexcluding Interchange

A column chart that shows the waived fees as a percent of Non-Interest Income, excludingInterchange for the selected loan or deposit product and time period.

Net Fees by Typeexcluding Interchange

A stacked column chart that shows the dollar fees by type for the selected loan or depositproduct and time period.

Percent of WaivedNon-Interest Incomefor UnprofitableAccounts

A column chart that shows the waived fees as a percent of Non-Interest Income, excludingInterchange for unprofitable accounts for the selected loan or deposit product and timeperiod. Unprofitable accounts are determined by their Net Contribution, net of one-time(Open and Close) costs.



Navigating ViewsOnce a view renders, it displays within the Spotlight workspace.


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Every view generated contains a View Summary located beneath the Top Navigation Bar.

The view summary contains the following items:


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Item Name Description

1 Date Range Displays the To and From dates selected in the Select a Date Range panel.

2 Product Selected Displays the name of the Product, Product Category or Account Type selected in theSelect a Product panel.

If Product Category or Account Type is selected, this section displays the levels usedto make the selection.

Within this path, users may select a Product Category or Account Type to return tothe desired category or account view.

3 View Selected Displays the name of the view selected in the Select a View panel.

The content of the view varies according to the view selected in the Select a View field. To more information onview content, refer to the Views topic within this guide.

Exporting to PDF

Within views, users are able to export the view to a PDF by clicking the PDF button located at the top of the view.

Clicking the PDF button opens the PDF version of the view in new web browser tab.


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Standard PDF functionality such as Print, Save and Comment are available to Views in PDF format.

Exporting to Excel

To export the view data to Excel, click the icon in the top right of the view. Upon clicking the Excel icon,Spotlight prepares the data for export.

Export limitations exist depending on the version of Excel installed.

If using a version of Microsoft Excel prior to 2007, only 65,536 rows can be exported.If using a version of Microsoft Excel 2007 or later, 1,048,576 records can be exported.

Once the data is ready, a pop-up window opens.


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Click Open to immediately open the view data in an Excel workbook without saving.

Users are able to save the data after the workbook opens.

Click Save to save the view data to the Temporary Internet Files in an Excel workbook using a system-generated filename. Click Save As to save the view data in a name and location of the user's choosing.

The file saves by default in the .xlsx format.

If the Save options is selected, the workbook does not automatically open. Once the download has completed, clickOpen to view the workbook.

Updating Filters

Within a view, users are able update filters without navigating away from the rendered view. From the view summary,users are able to select the Date Range or View Selected to access the filters.

Once the date range or view selected is clicked, the filter menu cascades over the view. Update the desired filters andclick OK to render a new view.


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To close the filter menu, click anywhere within the Spotlight Workspace.

Viewing Graphical Summary Data

Within a rendered view, users are able to view summary data of the view graphs and charts by hovering the cursorover the graph. Refer to the examples below:


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Viewing Data Filtered By Roll-up

When views are processed, users are able to Select a Roll-up in order to group data by month, quarter or year. Basedupon the selection made, the graphics within a view will change.

Month Roll-up


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Quarter Roll-up


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Year Roll-up


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Refining Data

Within a rendered view, users may be able to refine the view by clicking on the graph data. If the cursor is representedwith a hand, users are able to refine the data within the view.


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Upon clicking on the graph, a Please Wait icon appears within the workspace while the new graph renders.

Once the new graph populates in the workspace, the Please Wait icon disappears.

Users are able to continue refining the analytic until the cursor changes from a hand to an arrow. Once the cursorbecomes an arrow, the account type cannot be further refined.

As users refine a graph, Spotlight builds a path containing the Product, Product Category and Account Type selectedto reach the current view. This path can be located in the Top Navigation Bar.

Error Messages

If the following error message is received while rendering a view, refresh the analytic screen. If the error messagepersists, contact your Akcelerant Customer Care Representative.


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Profitability Analysis PresentationThe Profitability Analysis Presentation is a report that is comprised of 19 separate analytics which compares therecently completed quarter with a prior quarter. Institutions have the ability to select up to three loan products and upto three deposit products to populate within this presentation. Once the parameters are set, the Profitability AnalysisPresentation displays a detailed profitability analysis of the selected loan and deposit products.

To access the presentation, click and select the Profitability Analysis Presentation tile. Upon selection, theProfitability Analysis Presentation selection page appears.

On the left side of the Profitability Analysis Presentation selection page users are able to:

View today's dateSubmit questions to the presentation administrator.


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Generate a PDF version of the presentation by clicking .

On the right side of the presentation selection page users are able to:

Identify the current quarter for which reports are available.Select up to three loan products to populate within this presentation.Select up to three deposit products to populate within this presentation.

At least one loan and deposit product must be selected.

A product chosen in Loan Product 1 and Deposit Product 1, may not be re-selected in Loan Product 2 or 3and Deposit Product 2 or 3.

Submit the selected loan and deposit products and proceed with the Profitability Analysis Presentation by

clicking .

Agenda

Upon clicking , users are taken to the Profitability Analysis Presentation Agenda. The agenda provides anoverview of the topics covered within the presentation.

TrendsSummary Stats: Institutional ViewNet Contribution Trend: Deposits and Loans

Net Contribution Growth, Current Quarter versus Prior Quarter and Year Over YearNet Contribution Growth: Deposit, Loan and Customer Categories

Net Contribution Growth: Deposit ProductsNet Contribution Growth: Loan Products

Product FocusNet Contribution and Net Contribution per Account: Deposit ProductsNet Contribution and Net Contribution per Account: Loan ProductsNet Contribution and Net Margin: Deposit ProductsNet Contribution and Net Margin: Loan ProductsNet Contribution per Account and Accounts: Deposit ProductsNet Contribution per Account and Accounts: Loan Products

Peer ComparisonPeer Comparison: Deposit ExamplePeer Comparison: Loan Example

Product Reviews: A-TypesNet Contribution: Selected Deposit A-TypesNet Contribution: Selected Loan A-TypesP&L Summary (per account)

Customer Profitability SegmentationCustomer Segmentation: Net Contribution

Waived FeesChannel Usage


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Once a Profitability Analysis Presentation has been started, users may navigate to the previous page in thepresentation by clicking .

Summary Stats, Institutional View: Audit

The Audit page provides an audit of the data provided by an institution. Within this audit, institutions are able toidentify the Average Monthly Records, Period Net Contribution and Average Period Net Contribution per Record Typefor the following record types:

Both Customer/Member and Account records combinedOnly Customer/Member recordsOnly Account records

Beneath the overall record audit, this page displays a breakdown of customer/member records. This section identifiesthe Average Monthly Records, Period Net Contribution and Average Period Net Contribution per Record Type for:

Customer/Member Records SentCustomers/Members with an AccountCustomers/Members without an Account

Additionally, the audit page calculates the percent of customer/member records that do not have an account.


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Segmentation Analysis is adversely affected by percentage of customer/member records without accounts.

The audit page highlights data such as the average number of customer/member records sent andcustomer/member records without an account.

Trends The Trends page provides an overview of the data included in Summary Stats analytic on the next two pages. Thisdata includes:

Customers/MembersAccountsPeriod Average BalanceNet Contribution


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Summary Stats: Institutional View

The Institutional View page contains four graphs that illustrate an institution's trends over the past five quarters forthe following areas:

Customers/MembersAccountsPeriod Average BalanceNet Contribution

Additionally a summary compares the current and previous quarters' trends to the right of the graphs.


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The summary displays comparative data that highlights thedifferences between the current quarter and the previousquarter. Within this summary:

Each focus area is itemized in a bulleted list.The Average Accounts, Average Balance and NetContribution focus areas contain both loan anddeposit information.Each comparison statement is accompanied by avalue which indicates the percent change.

The formula to calculate percent change is(Current Qtr - Previous Qtr) / Current Qtr

Note Box

Negative values are indicated in parenthesis

These graphs display quarterly averages for each focus area, thereby allowing institutions to identify trends by viewingtheir average quarterly performance.


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Customers/Members Trend

The Customer/Members Trend graph illustrates the quarterly-average number of customers/members open at afinancial institution. Within this graph, the x-axis indicates the average number of customers/members over the lastfive quarters. The y-axis displays the average customer/member volume.

Accounts Trend

The Average Account Trend graph illustrates the quarterly-average number of deposit and loan accounts open at afinancial institution. Within this graph, the x-axis indicates the average number of accounts over the last five quarters.The y-axis displays the average account volume.

Period Average Balance Trend

The Period Average Balance Trend graph illustrates the quarterly average balance for deposit and loan products at afinancial institution. Within this graph, the x-axis indicates the average number of deposits and loans open for each ofthe last five quarters. The y-axis displays the amount.


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Net Contribution Trend

The Net Contribution Trend graph illustrates the quarterly net contribution average for deposit and loan products at afinancial institution. Within this graph, the x-axis indicates the net contribution for each of the last five quarters. The y-axis displays the amount.

Net Contribution Trend: Deposits and Loans

The Net Contribution Trend: Deposits and Loan page delves deeper into the net contribution data displayed inthe Net Contribution Trend graph on the previous page. This graph illustrates the quarterly net contribution averagefor deposit and loan products at a financial institution. Within this graph, the x-axis indicates the net contribution foreach of the last five quarters. The y-axis displays the amount.


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The Net Contribution Trend data table illustrates the following summary:


Year Indicates the year in which the customer datapertains to.

N/A

Qtr Indicates the quarter which the customer datapertains to.

N/A

Deposits Indicates the average deposit netcontribution for the quarter.

SUM(DepNETCONT) for each period

% Growth Indicates the percent difference between thecurrent and previous quarter's net contribution.

(Current Qtr Net Contribution - Prior Qtr NetContribution) / Prior Qtr Net Contribution

Loans Indicates the average loan net contribution forthe quarter.

SUM(LoanNETCONT) for each period

% Growth Indicates the percent difference between thecurrent and previous quarter's net contribution.

(Current Qtr Net Contribution - Prior Qtr NetContribution) / Prior Qtr Net Contribution

Total Indicates the total deposit and loan netcontribution for the quarter.

LoanNetCont + DepNetCont


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Net Contribution Growth - Current Quarter versus PriorQuarter and Year Over YearThe Net Contribution Growth Current Quarter versus Prior Quarter and Year Over Year page provides an overview ofthe net contribution data included in the graphs on the following three pages. This data includes the followingcategories:

Deposits, Loans, CustomersDeposit

ConsumerCommercial

LoansConsumerCommercial

Deposits By ProductConsumerCommercial

Loans By ProductConsumerCommercial


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Net Contribution Growth: Deposit, Loan and Customer Categories

The Net Contribution Growth: Deposit, Loan and Customer Categories page displays two double bar graphs thatillustrate the net contribution growth for deposit, loan and customer/member product categories. The graph at thetop of the page compares the current quarter to the prior quarter. The graph at the bottom of the page compares thecurrent quarter to the same quarter in the previous year.


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Within these graphs, the x-axis indicates the product categories included in the comparison. The y-axis indicates theproduct volume. The dual bars indicate the volume of contribution.

The blue bar represents the prior quarter.The grey bar represents the current quarter.

To the right of the graphs, an associated table displays the following net contribution data:

Column Description

Category Indicates whether the product is a deposit, loan or person.

Product Indicates the product type.

Prior Quarter (Q1-4 YYYY) Indicates a product's net contribution for the prior quarter.

Current Quarter (Q1-4 Indicates a product's net contribution for the current quarter.


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YYYY)

$ Growth Indicates the monetary difference between the current and prior quarters' netcontribution.

Growth $ = Current Quarter - Prior Quarter

% Growth Indicates the percentage difference between the current and prior quarters' netcontribution.

(Current Quarter - Prior Quarter) / Prior Quarter

Net Contribution Growth: Deposit Products

The Net Contribution Growth: Deposit Products page displays two graphs that illustrate the net contribution growthfor deposit products. At the top of the page, a double bar graph compares the current quarter to the prior quarter. Atthe bottom of the page, the graph compares the current quarter to the same quarter in the previous year.


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The x-axis indicates the product included in the comparison. The y-axis indicates the product volume. Within thegraph, two bars indicate the volume.


To the right of the graphs, an associated chart displays the following net contribution data:

Column Description

Category Indicates the category which the deposit product belongs to. For example: consumer andcommercial deposits

Product Indicates the product type. For example: CDs and Money Market

Prior Quarter (Q1-4YYYY)

Indicates a product's net contribution for the prior quarter.


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Current Quarter (Q1-4YYYY)

Indicates a product's net contribution for the current quarter.

$ Growth Indicates the monetary difference between the current and prior quarters' net contribution.




Net Contribution Growth: Loan Products

The Net Contribution Growth: Loan Products page displays two graphs that illustrate the net contribution growth forloan products. At the top of the page, a double bar graph compares the current quarter to the prior quarter. At thebottom of the page, the graph compares the current quarter to the same quarter in the previous year.


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The x-axis indicates the products included in the comparison. The y-axis indicates the product volume. Within thegraph, two bars indicate the volume.


To the right of the graphs, a chart displays the following net contribution data:

Column Description


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Category Indicates the category which the deposit product belongs to. For example: consumer andcommercial loans

Product Indicates the product type. For example: Auto-New and HELOC

Prior Quarter (Q1-4YYYY)

Indicates a product's net contribution for the prior quarter.



$ Growth Indicates the monetary difference between the current and prior quarters' netcontribution.




Product FocusThe Product Focus page provides an overview of the data included in the next six page. This data includes:

Net Contribution and Net Contribution per AccountNet Contribution and Net MarginNet Contribution per Account and Accounts


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Net Contribution and Net Contribution per Account: Deposit Products

The Net Contribution and Net Contribution per Account: Deposit Products page displays a stacked dual axis graphthat indicates each product's total net contribution as well as the average net contribution per account.


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In this graph, the x-axis indicates the deposit products offered by an institution. Each product displays as a stacked barthat contains blue and grey portions. The left y-axis corresponds with the grey portion of the bar and represents theaverage net contribution per account. The right y-axis corresponds with the blue portion of the bar and represents thetotal net contribution.

The Net Contribution and Net Contribution per Account data table displays the following net contribution data:

Column Description



Net Contribution Indicates a product's net contribution for the current quarter.

Net Contribution PerAccount

Indicates a product's average net contribution divided by the number of outstandingaccounts for the current quarter.

Negative values are indicated in parenthesis.

Net Contribution and Net Contribution per Account: Loan Products


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The Net Contribution and Net Contribution per Account: Loan Products page displays a stacked dual axis bar graphthat indicates each product's total net contribution as well as the average net contribution per account.

In this graph, the x-axis indicates the loan products offered by an institution. Each product displays as a stacked barthat contains blue and grey portions. The left y-axis corresponds with the grey portion of the bar and represents theaverage net contribution per account. The right y-axis corresponds with the blue portion of the bar and represents thetotal net contribution.

The Net Contribution and Net Contribution per Account data table displays the following:

Column Description

Category Indicates the category which the loan product belongs to. For example: consumer andcommercial loans


Net Contribution Indicates a product's net contribution for the current quarter.


Indicates a product's average net contribution divided by number of outstanding accountsfor the current quarter.



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Net Contribution and Net Margin: Deposit Products

The Net Contribution and Net Margin: Deposit Products page displays a stacked dual axis bar graph that indicatestotal net contribution as well as the net margin for each deposit product.

In this graph, the x-axis indicates the deposit products offered by an institution. Each product displays a stacked barthat contains blue and grey portions. The left y-axis corresponds with the grey portion of the bar and represents thenet margin. The right y-axis corresponds with the blue portion of the bar and represents the net contribution.

The Net Contribution and Net Margin data table displays the following:

Column Description



NetContribution


Net Margin Indicates the product's net contribution divided by revenue.


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Negative Net Contribution values are indicated in parenthesis.

Net Contribution and Net Margin: Loan Products

The Net Contribution and Net Margin: Loan Products page displays a stacked dual axis bar graph that indicates totalnet contribution as well as the net margin for each loan product.

In this graph, the x-axis indicates the deposit products offered by an institution. Each product displays a stacked barthat contains blue and grey portions. The left y-axis corresponds with the grey portion of the bar and represents thenet margin. The right y-axis corresponds with the blue portion of the bar and represents the net contribution.

The Net Contribution and Net Margin data table displays the following:

Column Description

Category Indicates the category which the deposit product belongs to. For example: consumer andcommercial loans


NetContribution



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Net Margin Indicates the product's net contribution divided by revenue.

Negative Net Contribution values are indicated in parenthesis.

Net Contribution per Account and Accounts: Deposit Products

The Net Contribution per Account and Accounts: Deposit Products page displays a stacked dual axis bar graph thatindicates each product's number of open accounts as well as the average net contribution per account.

In this graph, the x-axis indicates the deposit products offered by an institution. Each product displays a stacked barthat contains blue and grey portions. The left y-axis corresponds with the grey portion of the bar and represents thenumber of open accounts. The right y-axis corresponds with the blue portion of the bar and represents the averagenet contribution per account.

The Net Contribution per Account and Accounts data table displays the following:

Column Description




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Accounts Indicates a product's number of outstanding accounts for the current quarter.

Net Contribution per Account and Accounts: Loan Products

The Net Contribution and Net Contribution per Account: Deposit Products page displays a stacked dual axis bar graphthat indicates each product's number of open accounts as well as the average net contribution per account.

In this graph, the x-axis indicates the loan products offered by an institution. Each product displays a stacked bar thatcontains blue and grey portions. The left y-axis corresponds with the grey portion of the bar and represents thenumber of open accounts. The right y-axis corresponds with the blue portion of the bar and represents the averagenet contribution per account.

The Net Contribution per Account and Accounts data table displays the following:

Column Description

Category Indicates the category which the loan product belongs to. For example: consumer andcommercial loans



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Accounts Indicates a product's number of outstanding accounts for the current quarter.

Peer ComparisonThe Peer Comparison page displays the names of the products selected for the Profitability Analysis Presentation.Depending on how many products were selected on the Profitability Analysis Presentation selection screen, thenumber of products displayed in this page may vary.

Peer Comparison: Deposit Example

The Peer Comparison Deposit Example displays a per account profit and loss comparison for the top performingdeposit product selected on the Profitability Analysis Presentation selection screen against the comparable productof the institution's peers.

The product for which this report renders is identified beneath the report title. In the example below, the peercomparison rendered for CDs.


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Within the peer comparison the following comparative data displays:

Column Description

Institution Name Displays the name of the financial institution.

Peer Average Indicates the average performance of the peer comparison group.

% of PeerAverage

Indicates the rate of comparison between an institution and the peer comparison group'saverage.

Peer Max Indicates the highest performance of an institution within the peer comparison group.

Peer Min Indicates the lowest performance of an institution within the peer comparison group


The line items within the peer comparison are highlighted according profit and loss.

An item highlighted dark green is an interest income.An item highlighted light green is a fee income.An item highlighted red is a cost.

Peer Comparison: Loan Example

The Peer Comparison Loan Example displays a per account profit and loss comparison for the top performing loanproduct selected on the Profitability Analysis Presentation selection screen against the comparable product of theinstitution's peers.


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The product for which this report renders is identified beneath the report title. In the example below, the peercomparison rendered for Auto-New.

Within the peer comparison the following comparative data displays:

Column Description

Institution Name Displays the name of the financial institution.

Peer Average Indicates the average performance of the peer comparison group.

% of PeerAverage

Indicates the rate of comparison between an institution and the peer comparison group'saverage.

Peer Max Indicates the highest performance of an institution within the peer comparison group.

Peer Min Indicates the lowest performance of an institution within the peer comparison group


The line items within the peer comparison are highlighted according profit and loss.

An item highlighted dark green is an interest income.An item highlighted light green is a fee income.An item highlighted red is a cost.


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Product Reviews A-TypesThe Peer Comparison page displays the names of the products selected for the Profitability Analysis Presentation.Depending on how many products were selected on the Profitability Analysis Presentation selection page, the numberof products displayed in this page may vary.

A-types are commonly referred to as sub-products.

Net Contribution: Selected Deposit A-Types

The Net Contribution Selected Deposit A Types page displays two double-bar graphs that illustrate the netcontribution growth of the A-types for the deposit products selected on the Profitability Analysis Presentationselection page. The graph at the top of the page compares the current quarter to the prior quarter. The graph at thebottom of the page compares the current quarter to the same quarter in the previous year.


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The x-axis indicates the product included in the comparison. The y-axis indicates the product volume. Within graphs,two bars indicate the volume.



Column Description

Category Indicates the product type. For example: CDs and Money Market

Product Indicates the A-type products that pertain to product type category.




$ Growth Indicates the monetary difference between the current and prior quarter's netcontribution.


% Growth Indicates the percentage difference between the current and prior quarter's netcontribution.


Negative dollar amounts are indicated in parenthesis.

Net Contribution: Selected Loan A-Types

The Net Contribution Selected Loan A Types page displays two double-bar graphs that illustrate the net contributionthe A-types for the loan products selected on the Profitability Analysis Presentation selection page. The graph at thetop of the page compares the current quarter to the prior quarter. The graph at the bottom of the page compares thecurrent quarter to the same quarter in the previous year.


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The x-axis indicates the product included in the comparison. The y-axis indicates the product volume. Within thegraphs, two bars indicate the volume.



Column Description

Category Indicates the product type. For example: Auto - New and HELOC

Product Indicates the A-type products that pertain to product type category.


Current Quarter (Q1-4 Indicates a product's net contribution for the current quarter.


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YYYY)

$ Growth Indicates the monetary difference between the current and prior quarter's netcontribution.


% Growth Indicates the percentage difference between the current and prior quarter's netcontribution.


Negative dollar amounts are indicated in parenthesis.

P&L Summary (per account)

A P&L Summary displays the following three tables, based on current quarter information:

A Summary P&L for each of the A-types associated with the selected products.The average number of Accounts for each of the A-types associated with the selected products.A Summary P&L per account for each of the A-types associated with the selected products.

A P&L summary renders as a separate page for each product selected on the Profitability Analysis Presentationselection page. These pages appear between pages 24 and 29. The selected deposit products range between pages24 and 26. The selected loan products range between pages 27 and 29.

If three deposit and three loan products have been selected, Spotlight skips the pages reserved for the blankdeposit or loan product. For example, if a user identifies Deposit Product 1 but not Deposit Products 2 or 3, page24 renders in the Profitability Analysis Presentation. However upon clicking , users are taken to page 27.


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Summary P&L

The Summary P&L table itemizes high level profit and loss data for each product A-type. Each product A-type listed inthe Summary P&L includes the following information:

Interest ExpenseFunds Transfer CreditNet Interest IncomeTotal Non-Interest IncomeTotal Net Interest and Non-Interest IncomeTotal CostNet Contribution

A column displays for every A-type associated with the product. If an institution has a large amount of A-types fora product, a horizontal scroll bar may appear at the bottom of the page.

Accounts

The Accounts table itemizes the average number of accounts open during the current quarter for each product A-type.

A column displays for every A-type associated with the product. If an institution has a large amount of A-types for


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a product, a horizontal scroll bar may appear at the bottom of the page.

Summary P&L per Account

The Summary P&L per Account table itemizes high level profit and loss data for each product A-type, at the accountlevel. This data is derived by dividing the data in the Summary P&L table by data in the Accounts table. As a result ofthese calculations, the following information displays for each product A-type at a per account level:

Interest ExpenseFunds Transfer CreditNet Interest IncomeTotal Non-Interest IncomeTotal Net Interest and Non-Interest IncomeTotal CostNet Contribution

All product A-types with a positive net contribution are highlighted green.

A column displays for every A-type associated with the product. If an institution has a large amount of A-types fora product, a horizontal scroll bar may appear at the bottom of the page.

Customer Profitability SegmentationThe Customer Profitability Segmentation page provides an overview of the segmentation data included in thefollowing seven pages. This data includes:

Customer Segmentation based on Net Contribution Net of One-Time CostAccounts per CustomerBalance DistributionNet Contribution using 25 SegmentsDeposit Products for Most and Least Profitable Segments

Net ContributionBalance

Loan Products for Most and Least Profitable SegmentsNet ContributionBalance


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Customer Segmentation Net Contribution (Quintile)

The Customer Segmentation divides the entire membership pool into five groups (quintiles), each representing twentypercent of the membership pool. The net contribution (profitability) of each quintile is represented graphically.

Net Contribution by Profitability Segment

The Net Contribution by Profitability Segment graph spans pages 31 and 32 of the Profitability Analysis Presentation.Each page displays the current quarter's profitability by net contribution, less one-time costs.


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In this graph, the y-axis indicates the net contribution amounts. The x-axis displays numbers 1 - 5, which indicate thefive segmentation quintiles. Each quintile contains a bar which represents the net contribution amount.

If the account holder segment has a positive net contribution, the bar is green.If the account holder segment has a negative net contribution, the bar is red.

To the right of the graph, the Profitability Analysis Presentation displays commentary on the customer segmentationnet contribution. This commentary spans pages 31 and 32 of the Profitability Analysis Presentation.

On page 31, the comments inform users how to read the graph.On page 32, the comments indicate the performance of the top and bottom quintiles.

Net Contribution and Accounts by Profitability Segment

The Net Contribution and Accounts by Profitability Segment page displays a dual axis, double bar graph indicates thenet contribution and average number of accounts on file at an institution for each quintile.


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In this graph, the x-axis displays numbers 1 - 5, which indicate the five segmentation quintiles.

The left y-axis indicates the net contribution amount. Each quintile contains either a red or green bar, whichrepresents the net contribution amount.

If the account holder segment has a positive net contribution, the bar is green.If the account holder segment has a negative net contribution, the bar is red.

The right y-axis represents the number of accounts per customer/member. Each quintile contains a beige bar, whichrepresents the average number of accounts each quintile has at the institution.

To the right of the graph, the Profitability Analysis Presentation displays commentary on the net contribution andaccount by customer segmentation. This commentary indicates the net contribution and account performance of thetop and bottom quintiles.

Net Contribution and Average Balance by Profitability Segment

The Net Contribution and Average Balance by Profitability Segment page displays a stacked dual axis bar graph thatindicates the net contribution and average balances for each quintile.


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In this graph, the x-axis displays numbers 1 - 5, which indicate the five segmentation quintiles. The left y-axiscorresponds with the grey portion of the bar and indicates the average balance. The right y-axis corresponds with thegrey portion of the bar and indicates the net contribution amount.

To the right of the graph, the Profitability Analysis Presentation displays commentary on the net contribution andaccount by customer segmentation. This commentary indicates the net contribution and account performance of thetop and bottom quintiles.

Customer Segmentation Net Contribution: 25 Segments

The Customer Segmentation Net Contribution: 25 Segments page divides the entire membership pool into 25 groups,each representing four percent of the membership pool. The net contribution (profitability) of each segment isrepresented graphically in the following bar graphs:

Net Contribution by Profitability SegmentTop 5 and Bottom 5 Net Contribution by Profitability Segment


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Net Contribution by Profitability

The Net Contribution by Profitability Segment displaysthe current quarter's profitability by net contribution, lessone-time costs for the 25 customer/member segments.

This graph enables institutions to get a micro viewinto the performance of the top performing andbottom performing quintiles identified in the NetContribution by Segment page.

In this graph, the y-axis indicates the net contributionamounts. The x-axis displays numbers 1 - 25, whichindicate the 25 customer/member segments.

Each segment displays a bar which represents the netcontribution amount.

If the account holder segment has a positive netcontribution, the bar is green.If the account holder segment has a negative netcontribution, the bar is red.

Top 5 and Bottom 5 Net Contribution byProfitability Segment

The Top 5 and Bottom 5 Net Contribution by ProfitabilitySegment displays the current quarter's profitability by netcontribution, less one-time costs for the top five andbottom five customer/member segments.

This graph enables institutions to get a micro viewinto the performance of the top performing andbottom performing quintiles identified in the NetContribution by Segment page.

In this graph, the y-axis indicates the net contributionamounts. The x-axis displays numbers 1 - 5 and 21 - 25,which indicate the top five and bottomfive customer/member segments. Each segment displaysa bar which represents the net contribution amount.

If the account holder segment has a positive netcontribution, the bar is green.If the account holder segment has a negative netcontribution, the bar is red.

Customer Segmentation Net Contribution and Balance by Deposit Products

The Customer Segmentation Net Contribution and Balance by Deposit Products page displays the following graphs:


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Net Contribution per Account Profitability Quintiles 1 and 5Balance per Account Profitability Quintiles 1 and 5

Net Contribution per Account Profitability Quintiles 1 and 5

The Net Contribution per Account Profitability Quintiles 1 and 5 graph illustrates the net contribution per depositproduct for the top performing and bottom performing quintiles.

In this graph, the y-axis indicates the net contribution per account. The x-axis displays the name of each depositproduct offered by the institution. For each product listed in the x-axis, two bars display.

The blue bar represents the top performing quintile.


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The grey bar represents the lowest performing quintile.

To the right of the graph, the Profitability Analysis Presentation displays commentary on the customer segmentationnet contribution.

Balance per Account Profitability Quintiles 1 and 5

The Net Contribution per Account Profitability Quintiles 1 and 5 graph illustrates the average balance per depositproduct for the top performing and bottom performing quintiles.

In this graph, the y-axis indicates the average balance per account. The x-axis displays the name of each depositproduct offered by the institution. For each product listed in the x-axis, two bars display.

The blue bar represents the top performing quintile.The red bar represents the lowest performing quintile.

To the right of the graph, the Profitability Analysis Presentation displays the observations that are derived bycomparing the two graphs.

Customer Segmentation Net Contribution and Balance by Loan Products

The Customer Segmentation Net Contribution and Balance by Loan Products page displays the following graphs:

Net Contribution per Account Profitability Quintiles 1 and 5Balance per Account Profitability Quintiles 1 and 5

Net Contribution per Account Profitability Quintiles 1 and 5

The Net Contribution per Account Profitability Quintiles 1 and 5 graph illustrates the net contribution per loanproduct for the top performing and bottom performing quintiles.

In this graph, the y-axis indicates the net contribution per account. The x-axis displays the name of each loan productoffered by the institution. For each product listed in the x-axis, two bars display.

The blue bar represents the top performing quintile.The grey bar represents the lowest performing quintile.

To the right of the graph, the Profitability Analysis Presentation displays the observations that are derived bycomparing the two graphs.

Balance per Account Profitability Quintiles 1 and 5

The Net Contribution per Account Profitability Quintiles 1 and 5 graph illustrates the average balance per loanproduct for the top performing and bottom performing quintiles.

In this graph, the y-axis indicates the average balance per account. The x-axis displays the name of each loan productoffered by the institution. For each product listed in the x-axis, two bars display.

The blue bar represents the top performing quintile.The red bar represents the lowest performing quintile.

Waived FeesThe Waived Fees page provides an overview of the waived fee data included in the next three pages. This data


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includes:

Waived Fees and % Waived Fees TrendWaived Fees and % Waived Fees by Deposit ProductWaived Fees and % Waived Fees by Fee Type

If an institution does not waive or report waived fees, waived fee information does not appear within theProfitability Analysis Presentation.

Waived Fee Analysis Deposits Trend

The Waived Fee Analysis Deposits Trend page displays the amount of fees waived as well as the percent of total feeswaived for each of the last twelve quarters in a dual axis, double bar graph.


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In this graph, the x-axis indicates the last twelve quarters. Each quarter along the x-axis contains two bars, whichcorrespond with the waived fees and % waived fees. The left y-axis corresponds with the red bar and represents thetotal waived fee amount. The right y-axis corresponds with the beige bar and represents the % waived.

To the right of the graph, the Profitability Analysis Presentation provides commentary on the waived fees trend.

Waived Fees Analysis Deposit Products

The Waived Fee Analysis Deposit Products page itemizes the current quarter's fees waived as well as the percent oftotal fees waived per deposit product.


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In this graph, the x-axis indicates the institution's deposit products. Each product itemized in the x-axis contains twobars, which correspond with the waived fees and % waived fees. The left y-axis corresponds with the red bar andrepresents the total waived fee amount. The right y-axis corresponds with the beige bar and represents the % waived.

The Waived Fee Analysis data table displays the following:

Column Description

Category Indicates the category which the deposit product belongs to. For example: consumer and commercialdeposits

Product Indicates the product type. For example: Share Account and Money Market

Waivable Indicates the total fees assessed during the current quarter.

Waived Indicates the total fees waived during the current quarter.

%Waived

Indicates the percent of fees waived as compared to the total amount of fees assessed.% Waived = Waived / Waivable


Waived Fee Analysis by Fee Type

The Waived Fee Analysis by Fee Type page itemizes the current quarter's fees waived as well as the percent of totalfees waived according to the fee type.


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In this graph, the x-axis indicates the institution's fee types. Each fee type itemized in the x-axis contains two bars,which correspond with the waived fees and % waived fees. The left y-axis corresponds with the red bar and representsthe total waived fee amount. The right y-axis corresponds with the beige bar and represents the % waived.

The Waived Fee Analysis data table displays the following:

Column Description

Fee Type Indicates type of fee assessed. For example: NSF and Returned Check Fee

Waivable Fees Indicates the total fees assessed during the current quarter.

Waived Indicates the total fees waived during the current quarter.

% Waived Indicates the percent of fees waived as compared to the total amount of fees assessed.% Waived = Waived Fees / Waivable Fees


Channel UsageThe Waived Fees page provides an overview of the channel volume and volume distribution data included in thefollowing three pages. This data includes:


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Open AccountProcess TransactionClose Account

If an institution does not waive or report waived fees, waived fee information does not appear within theProfitability Analysis Presentation.

Volume by Channel Open Account

The Volume by Channel Open Account page displays two double bar graphs that illustrate the open account volumeand volume distribution per channel. The graph on the left of the page compares the open account volume for thecurrent quarter to the same quarter in the previous year. The graph on the right of the page compares open accountvolume distribution for the current quarter to the same quarter in the previous year.

The x-axis indicates the channels included in the comparison. The y-axis indicates the open account volume. Withinthe graph, two bars indicate the volume.


The cumulative volumes identified in the % of Volumes graph total to 100%.

Volume by Channel Process Transaction

The Volume by Channel Process Transaction page displays two double bar graphs that illustrate


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the transaction volume and volume distribution per transaction type. The graph on the left of the page compares thetransaction volume for the current quarter to the same quarter in the previous year. The graph on the right of thepage compares transaction volume distribution for the current quarter to the same quarter in the previous year.

The x-axis indicates the transaction types included in the comparison. The y-axis indicates the transaction volume.Within the graph, two bars indicate the volume.



Volume by Channel Close Account

The Volume by Channel Close Account page displays two double bar graphs that illustrate the close account volumeand volume distribution per channel. The graph on the left of the page compares the close account volume for thecurrent quarter to the same quarter in the previous year. The graph on the right of the page compares close accountvolume distribution for the current quarter to the same quarter in the previous year.


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The x-axis indicates the channels included in the comparison. The y-axis indicates the close account volume. Withinthe graph, two bars indicate the volume.



The Volume by Channel Close Account page is the final page in the Profitability Analysis Presentation. Clicking navigates users to the

Profitability Analysis Presentation selection screen.


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Temenos Spotlight User and Administrator Guide

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Transcript of Temenos Spotlight User and Administrator Guide