The Delivery to Promise data set helps track whether or not the borrower actually delivered on their promise to transfer their deposit(s) after an opportunity with promised deposits has been Closed-Won.
For users with Relationship Awareness, the Delivery to Promise data set provides the actual deposit types and balances tied to relationships flowing over from your core system compared to the deposits that were promised by the borrower.
Opportunities that are priced with promised deposits or other products, attached to a relationship, and closed-won in PrecisionLender will be included in the Delivery to Promise data set. Therefore, opportunities that do not have an attached relationship are not included in the Delivery to Promise report. Also, opportunities that have neither promised deposits nor promised other products are not included in the Delivery to Promise report. Lastly, opportunities that do not have a closed-won status in PrecisionLender are not included in the Delivery to Promise report.
Note
If certain deposits or ‘other products’ available in the opportunity are not fed to us from your core system, then those opportunities will show as underdelivered.The Delivery to Promise data set is a CSV (comma-separated values) file that can be viewed in a spreadsheet as rows and columns. For any particular opportunity, there will be one row in the Delivery to Promise data set for each Deposit Type that exists on the opportunity. For example, if an opportunity includes two interest-bearing demand deposits and four timed deposits, then there will be two rows in the Delivery to Promise data set: one for each Deposit Type. In total, there are 3 possible deposit types, indicated in the column called “Deposit Type”:
- Interest Bearing Demand
- Zero Interest Demand
- Timed Deposit
The column “Opp Deposits Promised” is the sum of all deposits on the opportunity matching the Deposit Type of that row. The column “Opp Deposits Promised All Types” equals the sum of all deposits on the opportunity, regardless of Deposit Type.
Delivery Windows
The Delivery to Promise data set includes several “Delivery Windows” to help detect whether the client committed the deposits that were promised. Each Delivery Window begins at the opportunity close date, and then extends to a number of months past the opportunity close date. Delivery Windows of length 6, 12, 24, and 36 months are provided.
The end date for a Delivery Window of length X months is the date of the latest RA run less than or equal to the Opportunity Close Date plus X months. If, on the day that the Delivery to Promise data set is created, X months have not yet fully elapsed, then the Delivery Window End date will be the most recent RA Run Date.
For example, consider an opportunity with Opportunity Close Date of 10/15/2021, and suppose that today is 7/1/2022.
- The Delivery Window End date for the 6-month Delivery Window will be the closest RA run date less than or equal to 4/15/2022.
- The Delivery Window End date for the 12-month Delivery Window will be the most recent RA Run Date. This means that the 12-month Delivery Window is of shorter duration than 12 months, because a full 12 months have not yet elapsed since the Opportunity Close Date.
How to view and filter the Data Set
To view the data set, download the CSV file from the Data Library.
You can then open the CSV file in any application that uses CSV files, such as Excel, Google Sheets, Tableau, Power BI, etc. You can then make use of the filtering capabilities there.
You may wish to filter on:
- Deposit Type (Zero Interest Demand, Interest Bearing Demand, or Timed Deposits)
- Date Range (e.g. only include Opportunities that have Close Dates within the last year)
- Opportunity Owner
- Opportunity Owner’s Region
- Relationships with total deposits greater than $250,000
Columns in the Delivery to Promise Data Set
| Field Name | Data Type | Description |
| Relationship Name | string | The name of the relationship. |
| Relationship Owner | string | The full name of the relationship owner |
| Relationship Owner Region | string | The region of the relationship owner |
| Deposit Type | string | The deposit product type: one of ZeroInterestDemand, InterestBearingDemand, or TimedDeposit |
| Last RA Run Date | date | The most recent RA Run Date for this combination of Relationship and Deposit Type (YYYY-MM-DD) |
| Last Core Balance Per Deposit Type | double | The total deposit value on this relationship for this Deposit Type, as of the Last RA Run Date |
| Last Core Balance All Deposits | double | The total deposit value on this relationship across all Deposit Types, as of the Last RA Run Date |
| Opportunity Name | string | The name of the opportunity |
| Opportunity Owner | string | The full name of the opportunity owner |
| Opportunity Owner Region | string | The region of the opportunity owner |
| Opportunity Last Modified | date | The date that the opportunity was last modified in PrecisionLender (YYYY-MM-DD HH:MM:SS AM/PM) |
| Opportunity Close Date | date | The close date of the opportunity |
| Opportunity Loan Commitment | double | The total loan commitment on the opportunity |
| Opportunity Deposits Promised | double | The total deposit value on this opportunity for this deposit type |
| Opportunity Other Income Promised | double | The total other income promised on this opportunity |
| Opportunity Deposits Promised All Types | double | The total deposit value on this opportunity across all deposit types |
| Opportunity ROE | double | The return on equity for the full opportunity |
| Opportunity Target ROE | double | The target ROE for the full opportunity |
| Opportunity Average Equity | double | The average equity for the full opportunity |
| Opportunity Loan Only ROE | double | The ROE for the all the loans on the opportunity |
| Opportunity Loan Only Target ROE | double | TheTarget ROE across all loans on the opportunity |
| Opportunity Loan Only Average Equity | double | The average equity across all loans on the opportunity |
| Relationship Id | guid | The unique PrecisionLender identifier for the relationship. |
| Opportunity Id | guid | The unique PrecisionLender identifier for the opportunity |
| Delivery Window Start | date | The date of the first RA Run following the Opportunity Close Date |
| Starting Balance | double | The relationship deposit balance for this Deposit Type as of the Delivery Window Start |
| Average Balance 6 | double | Average relationship deposit balance for this Deposit Type during the 6-month Delivery Window |
| Max Balance 6 | double | Maximum relationship deposit balance for this Deposit Type during the 6-month Delivery Window |
| Ending Balance 6 | double | The relationship deposit balance for this Deposit Type as of the Delivery Window End 6 |
| Delivery Window End 6 | date | The date of the RA Run closest in time to (but not after) the Opportunity Close Date plus 6 months |
| Average Balance 12 | double | Average relationship deposit balance for this Deposit Type during the 12-month Delivery Window |
| Max Balance 12 | double | Maximum relationship deposit balance for this Deposit Type during the 12-month Delivery Window |
| Ending Balance 12 | double | The relationship deposit balance for this Deposit Type as of the Delivery Window End 12 |
| Delivery Window End 12 | date | The date of the RA Run closest in time to (but not after) the Opportunity Close Date plus 12 months |
| Average Balance 24 | double | Average relationship deposit balance for this Deposit Type during the 24-month Delivery Window |
| Max Balance 24 | double | Maximum relationship deposit balance for this Deposit Type during the 24-month Delivery Window |
| Ending Balance 24 | double | The relationship deposit balance for this Deposit Type as of the Delivery Window End 24 |
| Delivery Window End 24 | date | The date of the RA Run closest in time to (but not after) the Opportunity Close Date plus 24 months |
| Average Balance 36 | double | Average relationship deposit balance for this Deposit Type during the 36-month Delivery Window |
| Max Balance 36 | double | Maximum relationship deposit balance for this Deposit Type during the 36-month Delivery Window |
| Ending Balance 36 | double | The relationship deposit balance for this Deposit Type as of the Delivery Window End 36 |
| Delivery Window End 36 | date | The date of the RA Run closest in time to (but not after) the Opportunity Close Date plus 36 months |
| Relationship Strategic ROE If We Win | double | Estimated Strategic Return on Equity on the Relationship if the opportunity is won |
| Relationship Strategic Average Equity If We Win | double | Estimated Strategic Average Equity on the Relationship if the opportunity is won |
| Relationship FTP ROE If We Win | double | Estimated FTP Return on Equity on the Relationship if the opportunity is won |
| Relationship FTP Average Equity If We Win | double | Estimated FTP Average Equity on the Relationship if the opportunity is won |
| Relationship Ftp Roe | double | The current existing FTP ROE on the relationship, independent of this opportunity |
| Relationship Strategic Roe | double | The current existing Strategic ROE on the relationship, independent of this opportunity |