Whistlebrook Margin Management System
Whistlebrook’s Margin Management application (MM) is a budgeting and forecasting tool that provides for the calculation of budgets down to the Net Interest Income line in the P+L. Margin Management is an assumption based application that works on Loans, Savings, Treasury and Current Accounts.
The application consists of a visual component for entering planning assumptions and a non-visual planning engine that processes those assumptions and produces budgeted output.
Actuals data is imported into the Margin Management database and is used as the starting point for ‘Business As Usual’ processing. This consists of interest calculation, repayment processing (loans), interest capitalisation and account maturity.
Within the visual application, assumptions about the future of the business are entered and the planning engine then overlays these onto the Business As Usual results. Assumption type varies by business area, but the main assumptions are:
- New Product Launch
- Balance Increases (new advances, new deposits, new account openings)
- Balance Decreases (early redemptions, withdrawals and account closures)
- Product Migration
- Transfers (money moving from one product to another)
- Rate Changes
For more information on Margin Management please follow this link