PT is a clear leader in the Earnings Enhancement Advisory market for Housing Loans. PT's Value Creation StrategiesTM have created millions of dollars for institutions around the globe, ranging from the largest institution to the smallest producers. In the process, PT has amassed a database in Housing Loans alone of over 25 million accounts.
During a Housing Loans revenue engagement, PT analysts will conduct product line analyses and evaluation, perform reviews of revenue generating routines and practices, and execute a profitability audit of systems to identify areas of potential profitability. These reviews include activities related to timing, calculation and assessment of fees and interest, balance accumulation methods, exception item processing, and other similar activities designed to maximise revenue.
Engagement Activities:
- Product Line Evaluation and Analysis
- Competitive Comparisons
- Profitability Audits of Systems
- Marketing Opportunities
- Optimising Process Routines
- Review of Fee Collection Practice
- Interest Calculation Methods
Engagement Results:
- Improved Net Interest Margin/Net Interest Income
- Increased Revenue/Gross Active Account
- Increased Average Balances
- Increased Non Interest Income
- Reduced Net Operating Expense
- Improved Efficiency Ratio
- Improved Customer Satisfaction
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