EFuturesCFO · Banking Suite
Branch Profitability Analyzer
Measure branch-level P&L, identify underperformers, and model consolidation scenarios to optimize your physical distribution network.
Executive Summary
Quartile Performance
Optimization Levers
Branch Tier Detail
Methodology
Branch Revenue = (Deposits + Loans) × NIM / 2 + Fee Income. Branch Cost = Staff + Occupancy + Tech + Marketing. ROA = Profit ÷ Deposits. Consolidation assumes 65% cost savings and 70% deposit retention for bottom quartile. Industry trend: 3-5% annual branch reduction, 6% annual transaction decline at branches.