Branch Strategy Pro v8.0

Merger P&L: Financial Audit View

Detailed breakdown of Operational Savings vs. Revenue Risk.

1. Branch Parameters

Metro (KTM)

Small City

Rural

Branches to Merge2

Rent (Monthly)1.5 L

Staff Payroll3.5 L Includes Salary, PF, Gratituity allowance.

Ops (Security + Utilities)50 K Electricity, Internet, Guard, Tea/Coffee.

2. Risk & Retention

Avg. Branch Revenue5.0 L Total monthly earnings (Interest + Fees) generated by this branch. This is what is "At Risk" if customers leave.

Digital Retention Rate 70% % of revenue SAVED because customers switch to Mobile Banking.

3. Financial Statement (P&L)

Total Cost Saved

Net Revenue Lost

Net Monthly Profit

1. CURRENT STATE

High Cost

Rent + Staff + Ops

2. MERGER ACTION

Close Branch

Saves all Opex

3. DIGITAL SHIELD

App Retention

Prevents Revenue Loss

4. NET RESULT

Profitability

Savings > Loss