Optimized rates for a profit target
Calculates the rate that achieves the profitability target your bank has preset, deal by deal, so nothing is quoted below it by accident.
Banking product price optimization
Price the relationship, not just the product.
BankSpread embeds credit risk, customer's relationship, liquidity risk and your bank's profitability into every single deal to calculate the optimized interest rate that hits your profit target. See the P&L behind each deal and Agentic Repricing. Built for the relationship manager's negotiating table.
CASATerm DepositUnsecured Term LoanSecured Term LoanUnsecured Line of Credit
The challenge
Where pricing leaks money today
Most banks still price off a rate card, a spreadsheet and heuristic decision making.
RMs negotiate price off a rate card and gut feel
Likely revenue leakage in every deal
Pricing deals may not be fully auditable
Regulators expect defensible pricing
Risk may veto a high NIM, low RAROC deal
Wasted RM effort and customer churn
Limited or no option to reprice an ongoing account
Revenue loss
Products are priced in silos
No tailored offer, unhappy customers
Excel-based manual pricing
Longer turnaround and prone to error
The solution
One pricing engine from first quote to final approval
BankSpread calculates the rate, tests the alternatives, documents the deal and routes it to the right approver, with every step on record.
Scenario simulation with P&L deviation
Makers can create a deal at a different price from the optimized one. A detailed P&L report shows exactly how far the simulated rate moves profit.
Credit memo in one click
Generates the credit memo for the deal. The maker downloads it, edits it if required and sends it to the checker for approval.
Many products, one deal
Prices multiple products together against the customer's overall relationship with the bank, blending loans, lines of credit and deposits into a single relationship-level target.
Pricing rule page
Set inputs by business line, product and customer segment, and the solution prices from them. Makers can still override the preset values on a deal.
RAROC and SVA gates
Signals whether a deal is profitable after risk adjustment and flags it when it is not, before it reaches approval.
Risk-based pricing
Every rate carries the risk behind it
Risk is priced in from the first calculation, not added after the quote, so the rate your relationship manager offers is the one that holds up at approval.
Risk
Credit risk
The expected loss from the customer's credit profile.
Risk
Liquidity risk
The cost of funding and regulatory outflow rate to off-balance sheet commitments
Customer
Customer relationship
The customer's overall standing with the bank across products.
Bank
Bank profitability
The profitability target the rate has to achieve.
One optimized rate
Priced on all four, in potentially every deal.
Reports
The P&L behind every deal, in full view
See how a deal earns over its life: the repayment curve, the income and expected loss (where applicable) month by month, and an income statement that rolls up to net income.
Aggregated Income Statement
Net Interest Income₹4,00,000
Risk & Capital Statement
Unexpected Loss (Total)₹1,13,687.11
From target to rate, or from rate to profit
Let BankSpread find the rate, or test a rate you have
Price optimization
The solution computes the rate. You give a target; it returns the risk- and relationship-based price that meets your profitability goal.
- You enter
- Product & deal termsCustomer segmentProfit target
- You get
- Optimized rateNIMRevenueROTAP&L reportRAROC / SVA check
Profitability calculator
You enter a rate directly. The solution does not compute a rate; it computes what your rate earns.
- You enter
- Product & deal termsYour rate
- You get
- NIMRevenueROTASVADeal P&LRAROC
Products and structures
Deposits, loans and lines of credit on one platform
Five banking products are priced today, with the repayment and rate structures that real corporate and SME deals need.
Deposit
CASA
Current and savings account pricing
Deposit
Term Deposit
Fixed-tenor deposit pricing with interest accrual options
Loan
Unsecured Term Loan
Term lending without collateral
Loan
Secured Term Loan
Term lending against collateral
Credit line
Line of Credit
Revolving limits without collateral
Amortization options
Reducing BalanceInterest OnlyBalloon / BulletAnd more
Supports complex bespoke corporate loan structures.
Interest rate types
FixedFloatingFixed + floating
Applied to loan pricing across the supported products.
Rate guardrails
No rate leaves your corridor unnoticed
Define a floor and a ceiling for every product and customer segment. When a computed rate falls outside the range, the maker and the checker are warned before the deal moves on.
Unsecured Term Loan · Mid-marketIllustrative rate corridor
Computed rate breached the ceiling
Warns MakerChecker
Computed rate dropped below the floor
Warns MakerChecker
Agentic repricing
Onboarding rates are not set in stone
A deal's profitability drifts as inputs change. Rules catch the drift and run multi-step orchestration. AI agent works each flagged deal step by step and recommends the optimal fix.
Watch
The system tracks existing deals against target margin as any input changes.
Flag
Deals whose profitability has fallen below target are flagged automatically.
Simulate
Repricing is run through multiple simulations for each flagged account.
Advise
ML model predicts the best repricing strategy and advises the price maker.
Governance and compliance
Every deal has a maker, a checker and a record
BankSpread is a maker-checker solution. No deal goes live until a checker approves it, and the audit trail keeps every deal defensible.
Flat mappingAssign makers and checkers directly.
Parameter-based mappingRoute by a Power Matrix or Delegated Authority Matrix.
Maker prices the dealUses the optimized rate or simulates a different one.
Guardrails check risk-adjusted profitRAROC and SVA red flag for each risk adjusted unprofitable deal.
Credit memo goes to the checkerGen AI drafted memo, reviewed by maker.
Checker approvesEvery deal needs a checker's approval.
Audit trail is keptEach deal's history is recorded to support compliance.
The outcome
Better margin, faster deals, regulator-ready
1%*
Annual uplift in net interest income
Estimated for India small finance banks.
Hours → minutes
Deal velocity
Faster pricing with minimum manual effort.
Audit-ready
Regulatory compliance
A full audit trail behind every priced deal.
*Estimate assuming 10 bps improved spread.
One platform, four leaders who each get what they need
CFO
Boost NIM, reduce OpEx
Margin protected on every deal, with less manual pricing effort.
Business Head
Drive growth
Grow customers and revenue with sharper, relationship-level offers.
CRO
Flag sub-hurdle RAROC
Deals that fail risk-adjusted returns are flagged before approval.
CCO
Full auditability trail
Every deal's pricing decision is on record.
See your own deals priced in BankSpread
Book a walkthrough and we will price a deal from your book, show the P&L behind it and the maker-checker flow based approval.
Request a demo
Call @ +91 9836685566
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