Benchmarking Studies

Since 2002, BAI performance benchmark programs have been supplying top financial institutions with consistent and objective measurement and analysis of their institution’s performance.  Each year, BAI Research enhances the products to provide even greater levels of detail about performance across multiple dimensions of customer, products, cross-sell, geography, and channel usage.  With the insight gleaned from competitive benchmarks, banks are able to isolate strategic opportunities, forecast improvements and track overall performance. 

BAI Branch Performance Diagnostic (pdf) gives banks the critical insights needed to measure branch performance on a level playing field. This powerful reporting tool provides granular performance analysis adjusted for local market factors.

BAI Research launched BAI Deposit Performance Benchmarking (pdf) on the heels of a landmark study of consumer deposit behavior, to provide financial institutions insight and access to actual deposit changes within the consumer market. The biannual measurement of consumer products – in relation to your organization – has become highly regarded as an essential management tool for banks, and has secured BAI’s place as the market leader in benchmark research. 

BAI Deposit Pulse (pdf) is the leading performance measurement tool that presents product-level detail and balance mix changes in the country’s consumer banking market. Assess on a weekly basis, whether you are “lagging or leading” the market, and by how much, with report data that tracks your organization’s performance against the competition.

Home Equity Pulse (pdf) The home equity loan market remains tight due to lower home valuations, decreased demand from recession-chastened consumers, and more stringent bank lending standards. However, banks will continue to be the dominant force in the home equity lending market as they fnd ways to expand lending opportunities for consumers and small business owners. Timely, accurate analysis will be vital for banks to assess their own home equity lending portfolio and determine how their results compare to other fnancial institutions. BAI’s new Home Equity Pulse provides this critical insight. This unique program presents near real-time reporting on home equity accounts and balances and compares home equity origination across participating banks.

BAI Payment Diagnostic (pdf) As a key source of income for banks, payments-related activity can typically contribute 40 to 50 percent of overall retail revenue. Yet, there is little to no comparative data available for banks to assess their payments performance and its impact overall on deposit relationships versus their peers. With Payments Diagnostic, account level data is aggregated and analyzed, presenting unique insights into patterns of strength and weakness in a bank’s payment offerings. Payments Diagnostic combines frequent reporting with more detailed, twice-yearly benchmarks and economic analysis. This integrated approach delivers both the longer range perspective and the more immediate reporting banks need to continually monitor performance and stay on course to reach goals.

With the BAI Retail Banking Diagnostic (pdf), super community banks can now benefit from the same consistent, objective reporting and analysis enjoyed by large national and regional financial institutions. We’ve taken our industry-leading benchmarking and analysis and extended it to provide vital reporting and metrics targeted specifically to super community banks and their needs. With this critical analysis, participating banks can assess deposit performance, forecast improvements, capitalize on market opportunities, and evaluate their progress and strategies.

BAI Small Business Performance Benchmarking (pdf) is based upon actual customer deposit and loan product data provided by banks. The bi-annual measure of small business products and account values use standard criteria to present a degree of accuracy not found in any other source. Consistent, objective reporting and analysis of each industry-standard metric evaluates your institution’s performance relative to national results, peer groups and ‘best-in-class’. 

BAI Small Business Pulse (pdf) is a powerful, near real-time analysis tool for forecasting, planning and budgeting. Our program measures balances for deposit accounts based upon actual small business deposit data provided by participating banks. With weekly reporting, banks can more quickly gauge the effectiveness of strategic and marketing initiatives while assessing the influence of external factors on market changes.