Banking Use Cases

Banking EPM and EDM roadmaps should combine driver-based planning for loans, deposits, products, interest income, fees, assets, capital, workforce, and funding with governed data.

Primary EPM/EDM Pillar	Industry Use Case
Planning	Detailed mid-term projections based on trends and drivers
Planning	Rolling forecast planning based on trend and drivers
Planning	Detailed operational planning–loans and deposits
Planning	Planning at the OCR, product, and client segment level
Planning	Interest income and expenses planning
Planning	Non loan fee income planning
Planning	Upfront fee calculations and amortizations
Planning	PAR, early repayment, and loan penalty fee calculations
Planning	Other income and expenses planning
Planning	Capital projects
Planning	Existing assets planning
Planning	New assets planning and project assets planning
Planning	Gross value, net value, depreciation, and accumulated deprecation plan
Planning	IFRS 16–leased assets planning
Planning	Corporate office expenses planning
Planning	Headcount planning by department, position, and levels
Planning	Manpower cost planning–existing and new staff
Planning	Interest expenses on borrowings
Planning	Borrowed funds projection
Planning	New borrowing schedule
Planning	Commission and borrowing fee expenses
Planning	Treasury-related fee expenses
Planning	Various operational reports
Planning	Annual budget reporting pack and monthly financials
Planning	Rolling forecast
Planning	Balance sheet and cash flow budgeting