Bank Branch Performance – Stacking Model

This Decision Support System (DSS) evaluates bank branch performance using a comprehensive stacking-based predictive model. Developed through extensive data mining and analysis of operational, financial, and digital records from multiple bank branches, it integrates 30 key indicators to deliver an evidence-based performance assessment. The prediction output ranges from 1 to 4, where branches classified in category 4 can be considered relatively strong performers.

Please enter numeric values for each variable below as percentages of target achievement. Click More Info to view concise definitions in a modal before submitting for prediction.

Variable	Input (number)	Details
1) Low-cost Deposits (%)
2) Term Deposits (%)
3) Remaining Loans (%)
4) Micro Loans (% of loan portfolio)
5) Non-Performing Loans (NPL) (%)
6) Guarantee Obligations (%)
7) Documentary Credit Obligations (%)
8) Remittances (% of transactions)
9) Documentary Credit & Guarantee Obligations (%)
10) Direct Cost of Money (%)
11) Commission Income from Obligations (% of income)
12) Foreign Exchange Earnings (% of income)
13) Interest Received to Pay (ratio)
14) Profit and Loss (% margin)
15) Increase of Customers (% growth)
16) Number of Cards Issued (growth/share)
17) Internet & Mobile Banking Users (% of customers)
18) Revenue to Expense of ATM (ratio)
19) Number of POS Devices (growth/share)
20) Interest Rates on POS Deposits (%)
21) Interest on POS Deposits (% of interest paid)
22) Cost-to-Income Ratio (CIR) (%)
23) Return on Assets (ROA) (%)
24) Staff Productivity Ratio (output per FTE)
25) Customer Retention Rate (%)
26) Customer Satisfaction Score (CSAT)
27) Loan-to-Deposit Ratio (LDR) (%)
28) Coverage Ratio of NPLs (%)
29) Digital Transaction Percentage (%)
30) Customer Growth from Digital Channels (% growth)