Value Packs / Banking / Cross-Sell & Retention Monitor / Brief 01

Cross-Sell & Retention Monitor · Brief 01

Branch 05 — RM Retention Win

Today · renewal ~72% → 90.3%, external outflow flat — money staying

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Which branches are holding their maturing money best right now, what motion are they running, and what would porting it do for the branches leaking renewals?

At a glance

Branch 05 · Renewal Rate90.3%vs ~72% bookbest-in-network
RM-Assisted Sessions↑ leadthe motion
External Outflowflatdiscriminatormoney staying
New FD Booked↑idle cash → term

The signature

RM coverage & cadence40%
Senior/Bulk rate-tier discipline26%
Relationship depth (Med/Long tenure)22%
RM-led channel mix12%

Side by side

Branch 05

the winner

90.3%
RM coveragehigh
Renewal rate90.3%
External outflowflat — staying
New FD bookedup
Gap to close—

Branch 03

laggard · thin RM

71%
RM coveragethin
Renewal rate71%
External outflowleaking
New FD bookedflat
Gap to close~19 pts

Branch 09

laggard · self-service

68%
RM coveragethin
Renewal rate68%
External outflowleaking
New FD bookedflat
Gap to close~22 pts

What · Branch 05 renewal rate lifted ~18 pts to 90.3% today, a good break above band

FD Renewal Rate (%) · actual vs expected band+18 pts
60%68.75%77.5%86.25%95%+18 pts — a good breaktoday
Now90.3%
Book~72%
Outflowflat

A positive anomaly: renewal breaks its band upward while external outflow stays flat — the money is staying, not being repriced out.

Where · RM-assist share maps cleanly onto renewal rate

0602077.54095book renewalbook-average RM assistBranch 05Branch 10Branch 01Branch 07Branch 03Branch 09RM-assist share (%)FD Renewal Rate (%)

The more RM-assisted a branch's maturing book, the higher its renewal rate — Branch 05 sits alone in the top-right; the thin-RM branches trail below the book line.

So what

Branch 05's renewal spike today isn't luck — 40% of the lift traces to RM coverage and cadence, the rest to rate-tier discipline, relationship depth and an RM-led channel mix. The branches leaking renewals share none of it. And the flat external-outflow proves the money stayed in the book today, not converting out of CASA — pure retention, no cost trade-off. Decoding Branch 05's signature is the template for the branches drifting under 72% — and spotting it the day it happens is what makes it repeatable.

The points that matter

The win is a motion, not a fluke

40% of the lift is RM coverage and cadence — steerable, and absent on the laggards.

40%RM coverage

The money is staying, not converting

Renewal lifts to 90.3% with external outflow flat — pure retention, no cost trade-off.

flatexternal outflow

This is the template for the laggards

The thin-RM branches (71%, 68%) share none of the signature — porting it is a ~20-pt renewal opportunity.

~20 ptsto close

Recommendation

Template Branch 05's RM motion — coverage, cadence and the maturity-window outreach — across Branch 03, Branch 09 and the other thin-RM branches; track renewal-per-RM-touch daily to hold the gain. DataGenie surfaces the motion that works the day it works; your relationship leaders own the rollout.

Questions it already answers

Is the renewal lift real retention, or just CASA converting into FDs?

Real retention — external outflow stays flat, so the maturing money is kept, not shuffled between the bank's own books.

Which of the winner's levers would move the laggards the most?

RM coverage and cadence first (40% of the gap), then Senior/Bulk rate-tier discipline — the levers the laggards miss.