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Case Studies

Annual benefit value of over PHP 900 million for this Top 50 Southeast Asia bank

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This extremely high performing bank was facing growing pressure by regulators to ensure credit card products were priced and managed equitably for the customer.

The Business Challenge

Top 50 Asian bank was faced with growing pressure from regulators to ensure products were priced and managed equitably for the customer. 

The client sought earnings enhancement solutions to improve credit card performance, including ideas to optimize fee and interest income, combined with specific expense reduction opportunities but with no negative impact to account holders due to reputation in market.

Client requested assistance in reviewing current product set and reward programs to identify areas of improvement in a saturated market with low cardholder loyalty to any financial institution.

How Profit Insight Helped

Profit Insight worked with the bank’s legal and compliance teams to review adherence to local regulations, including presenting two new concepts to the regulator which were subsequently accepted.

Using Profit Insight’s PI3 analytics platform, the engagement team identified > 40 ideas and provided the client with new account level P&L and statistical information.

The analysis provided profitability insight enabling the client to reduce product set from nine reward programs to three.

Engagement Results

Identified annual benefit value of over PHP900m; PHP600m in incremental earnings was realized per year as a result of 11 new strategies implemented over three-year period.


  • Given the highly competitive and saturated credit card market, with little consumer loyalty to existing products offered, Profit Insight helped rationalize the bank’s programs. As a result, loyalty card margins were improved and provision costs reduced. Profit Insight’s PI3 analytic platform provided program focus and campaign tracking to generate an increase in spend > 10%.
  • Portfolio included a large segment of high net-worth cardholders with strong banking relationship, requiring Board executive involvement due to sensitivity of any suggested changes.
  • Client’s operating teams were high performing and allocation of any required resources was limited, requiring solutions to produce high benefit with minimal disruption to internal teams and external customers.

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