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    Marketing Analytics Tanking Bank Case Analysis: Presented by Shanya Rastogi M18-184

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    ShanyaRastogi
    This document analyzes marketing analytics for Tanking Bank over a 12 month period from April 2013 to March 2014. It finds that the highest loan approval rate was in August at 70.8% while the highest disbursement rate was in September at 68.6%, showing not all approved loans were disbursed. Turnaround time was shortest in May and August. Default rates increased for lower credit tiers over time, with Tier D having higher rates than Tier E contrary to expectations. Recommendations include improving assessment of loan applications, conducting thorough credit checks, tracking defaulters more closely, and obtaining references to identify risks.

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    Marketing Analytics Tanking Bank Case Analysis: Presented by Shanya Rastogi M18-184

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    ShanyaRastogi
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    This document analyzes marketing analytics for Tanking Bank over a 12 month period from April 2013 to March 2014. It finds that the highest loan approval rate was in August at 70.8% while the highest disbursement rate was in September at 68.6%, showing not all approved loans were disbursed. Turnaround time was shortest in May and August. Default rates increased for lower credit tiers over time, with Tier D having higher rates than Tier E contrary to expectations. Recommendations include improving assessment of loan applications, conducting thorough credit checks, tracking defaulters more closely, and obtaining references to identify risks.

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    This document analyzes marketing analytics for Tanking Bank over a 12 month period from April 2013 to March 2014. It finds that the highest loan approval rate was in August at 70.8% while the highest disbursement rate was in September at 68.6%, showing not all approved loans were disbursed. Turnaround time was shortest in May and August. Default rates increased for lower credit tiers over time, with Tier D having higher rates than Tier E contrary to expectations. Recommendations include improving assessment of loan applications, conducting thorough credit checks, tracking defaulters more closely, and obtaining references to identify risks.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    49 views6 pages

    Marketing Analytics Tanking Bank Case Analysis: Presented by Shanya Rastogi M18-184

    Uploaded by

    ShanyaRastogi
    This document analyzes marketing analytics for Tanking Bank over a 12 month period from April 2013 to March 2014. It finds that the highest loan approval rate was in August at 70.8% while the highest disbursement rate was in September at 68.6%, showing not all approved loans were disbursed. Turnaround time was shortest in May and August. Default rates increased for lower credit tiers over time, with Tier D having higher rates than Tier E contrary to expectations. Recommendations include improving assessment of loan applications, conducting thorough credit checks, tracking defaulters more closely, and obtaining references to identify risks.

    Copyright:

    © All Rights Reserved
    Download as PPTX, PDF, TXT or read online from Scribd
    Download as pptx, pdf, or txt
    of 6

    Marketing Analytics

    Tanking Bank Case Analysis

    Presented by
    Shanya Rastogi
    M18-184
    Part 1-Monthly Evolution Overview
    (April 2013-March 2014)

     Stats column is categorized as Good and Bad indicators as it reflects


    variation in the 12 month timeline
     Good indicators- It reflects changes in next year as compared to previous
    year. Example-test volume, approved Test, % Approvals, disbursements,
    disbursements as % of approvals, number of bad debts in 30 days, default
    rate, median loan size disbursed and turn around time.
     Bad indicators-It reflects not much changes in next year and it has least
    impact on Tanking Bank’s portfolio. Example-median test time, median
    interest rate, median term and number of loan officers testing.
    Part 2-Volume Analysis
    (April 2013-March 2014)

     As per data in excel sheet maximum approval of loans occurs in August i.e.
    at 70.8%.The percentage denotes the number of loans approved out of
    total number of loan applications whereas the number of loan actually
    disbursed is only 59.4%.
     Similarly maximum number of loan disbursements took place in September
    i.e. at 68.6%.This denotes that out of approved loans how many loans are
    actually disbursed. The loans approved is only 57.8%
     From the above analysis it is clear that not all loans are approved out of
    total applications. Also even after approval not all are eligible for the
    disbursement.
     V1 & V2 graphs in excel depict the cumulative frequency, volume,
    approval and disbursements of total loans.
    Part 3-Time Analysis
    (April 2013-March 2014)

     T1 in excel-It shows median test time which is constant across the years and
    it is not a very good indicator to analyze the current scenario
     T2 in excel-It is a key indicator to analyze the performance as the turn
    around time should be least so this happens in the month of May and
    August.
     If we look closer the disbursement as % of approval in May is 67.6%
    Similarly in August the percentage is only 59.4%
    This shows the percentage of disbursement is different in both months but the
    turn around time is least in both months.
    Part 4-Cumulative bad rate per tier analysis
    (April 2013-March 2014)

     Tier A has zero default rate since it consists of top 20% of population which
    means their default rate on loans should be zero and that is visible from the
    graph
     Tier B shows a deviation in default rate in March 2014 i.e. 9.7%
     Tier C shows deviation in default rate in February and March i.e.9.6% &
    10.8% respectively.
     Tier D shows deviation in default rate in January, February and March
    i.e.9.6%,12.8% and 12.2% respectively.
     Tier E shows deviation in default rate in January, February and March i.e.
    10.2%, 11.2% and 13% respectively.
     From above it can be concluded that Tier D should be at a lower rate as
    compared to Tier E but the rate of default is more in Tier D.
    Recommendations

     Proper assessment should be done when loan amount is approved and


    disbursed because there is a huge gap in the above analysis.
     All necessary documentation should be in place and credit worthiness
    through other agencies such as CRISIL should be done.
     A credit report should be generated and analyzed to assess the credit
    worthiness of the customer. Past historical records should be checked
     In case of Tanking bank customers have deviated from the desired bad
    rate many times. So to keep track of defaulters additional charge can be
    levied so that chances of default is less.
     Any other bank reference check can be done or client testimonials can be
    analyzed to identify defaulters and bring improvement in the existing
    product.

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