Banking balance sheet decision dashboard demonstration model

This demonstration model shows some of the decisions that might face a bank that has assets in Europe and the US. This bank is analyzing its short-term (7-day) liquidity requirements. It can use this dashboard to experiment with various assumptions.

This model displays a number of financial system dynamics. For instance the user can change the difference between the US and European retail deposit rate. As it does so, money will flow to wherever the deposit rate is highest. This is because as the fed rate goes up, this places pressure on variable-rate loans in the US, however also it will drive up the ECB rate, because otherwise European banks, as they underwrite their loans, rather than use their own deposits, will borrow money from the US, because it is cheaper.

The “enable interdependencies” checkmark removes the feedback loops that connect the two economies. This allows a comparison between independent and interdependent dynamics in the model.

The ETL panel shows processes that are running for Extract/Transform/Load on a daily basis, and monitors those ETL processes for any problems.  It shows graphs for Deposits, Transactions, Securities , Loans, Liabilities. Each is a daily data source that is being monitored as its data is ETL’d into various databases.

On the asset detail panel you can drill into various components that affect the balance sheet, allowing you to categorize (e.g. by country) and subset (e.g. just credit) relevant financial information.

Note that this is only a conceptual demonstration. The data is fictitious and should not be used as the basis for any decisions, nor should any simulation on this page be interpreted as either implicit or explicit claims about any real entities whatsoever.

Patent pending, copyright (c) 2015 Quantellia, LLC. All rights reserved.

Pratt has been delivering AI and DI solutions for her clients for over 30 years. These include the Human Genome Project, the Colorado Bureau of Investigation, the US Department of Energy, and the Administrative Office of the US Courts. Formerly a computer science professor, Pratt is a popular international speaker and has given two TEDx talks. Her Quantellia team offers AI, DI, and full-stack software solutions to clients worldwide. Previously a leading technology analyst, Pratt has also authored dozens of academic papers, co-edited the book: Learning to Learn, and co-authored the Decision Engineering Primer. Her most recent book: Link: How Decision Intelligence makes the Invisible Visible (Emerald Press) was published in 2019 and was a finalist for the prestigious PROSE award. With media appearances such as on NPR<,CSPAN, TechEmergence and GigaOm, Pratt is also listed on the Women Inventors and Innovator’s Project. Pratt blogs at www.lorienpratt.com.