Coverage Model

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Coverage models need to address three areas of coverage – industries, clients, and risk. The attractiveness and risk of industry groups varies by economic cycles and the nature of the economy. Selection of industries is also a function of where in the supply chain they sit, and the leverage they have. Attractiveness and risk of clients is a combination of owner profile, size, balance sheet and off-balance sheet risk.

The above results in the need to (re)align the sales, RM, branch, customer segmentation, and credit models on a regular basis. Due to Digital, maybe even quarterly.

Cedar can help not only run a fast-track diagnostic on your current coverage model, but also recommend what a new transformed model could look like. Proprietary tools and databases are key to the success it delivers to clients – some of which can be left behind for future use by clients.

ANZ
SG
Barclays
Standard Chartered
Deutsche Bank
CBI
IDFC
Emirates NBD
ADIB
Mashreq
FAB
Dubai Islamic Bank
BNP Paribas
RBL Bank
HDFC Bank
Royal Bank of Scotland

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