Creating Value for You
It's all in the details
Our value is that full service clients who use us regularly enjoy a Return on Assets (ROA) over 15 basis points better than industry average. This 15 basis point advantage translates into more than $1,500,000 additional income per year for every billion dollars of assets. For public companies with a Price/Earnings Ratio of 10 that could be an additional $15,000,000 in market capitalization. This also means our clients average an annual Return on Investment (ROI) of far over 10 times their Kohl investment or invest less than one hundredth the market capitalization gain.
Of course these returns are simple averages, not asset weighted, with some clients doing better or worse than the average. To do these calculations, we just identified our clients from a download of call report data for all financial institutions from their respected regulator's web site and did simple, non-weighted averaging.
Our Unique Approach
We enable clients to reach this level of profitability because our program is a one-of-a-kind service which allows us to collect a variety of benchmark data to assess our client’s performance at an unparalleled level of detail. We use this data to pinpoint exactly where you are doing better (or worse) than industry comparisons on an activity-by-activity basis. This enables clients to address waste and inefficiencies they commonly did not even know existed.
These benchmarks include operational process and cost information on approximately 100 activities supporting loan and deposit operations. By comparing our client’s operational time and cost data to Kohl’s benchmark best practices we can determine exactly where the issues are and calculate the value of addressing those issues. Kohl is the only company with this benchmark data which means we are the only company which can do this analysis at this level of detail.
Our Technology Advantage
Kohl Analytics Group doesn’t just provide numbers, we provide easy to understand analysis. Our advanced automation and smart algorithms apply facets of machine learning and artificial intelligence to not only routinely generate 300 pages of performance detail, but also preform root cause analysis. The root cause analysis results in 10-15 pages of easily understandable English explanations of the pressing issues so you don’t have to dig it out yourself. These reports are also great for presenting to the Board of Directors, examiners and auditors.
Our Cost Advantage
Because of our highly automated solution, we can provide this level of sophisticated analytics much less than the annual cost of owning your own in-house system. We are often less than just the support cost of your cost allocation software and far less when you consider your staff's time.