⌘K

Semantics

252 metrics defined across the Pinnacle Financial Group estate. 94% consistency across consumers.

Metrics defined
252
across 11 domains
Consistency
94%
same metric, same number, every consumer
Active consumers
47
BI, AI agents, data products
OSI-compliant exports
12
Open Semantic Interchange v1.0
2 drifting / inconsistent

Banking — Profitability

28 metrics
1 drifting

Net Interest Margin (NIM)

Consistent
(Interest income − Interest expense) / Average earning assets
RBI
14 consumersSandeep Krishnan

Net Interest Margin — Retail

Consistent
NIM filtered to retail banking entity
RBI
7 consumersSandeep Krishnan

Net Interest Margin — Corporate

Consistent
NIM filtered to corporate banking entity
RBI
5 consumersFaisal Khan

Net Interest Margin — NBFC

Consistent
NIM scoped to Apex Capital
RBI
4 consumersFaisal Khan

Cost-to-Income Ratio

Consistent
Operating expenses / Operating income (excl. provisions)
11 consumersAnjali Desai

Return on Assets (ROA)

Consistent
Net profit (annualized) / Average total assets
RBI
9 consumersAnjali Desai

Return on Equity (ROE)

Consistent
Net profit / Average shareholder equity
8 consumersAnjali Desai

Risk-Adjusted Return on Capital (RAROC)

Consistent
Risk-adjusted income / Economic capital
Basel III
6 consumersFaisal Khan

Operating Profit Margin

Consistent
Operating profit / Total income
7 consumersAnjali Desai

Fee Income Ratio

Drifting
Fee income / Total income
8 consumersAnjali Desai

Net Interest Income Growth (YoY)

Consistent
(NII_current − NII_prior) / NII_prior
6 consumersAnjali Desai

Non-Interest Income Mix

Consistent
Non-interest income / Total income
5 consumersAnjali Desai

Yield on Advances

Consistent
Interest on advances / Average advances
RBI
9 consumersSandeep Krishnan

Cost of Funds

Consistent
Interest expense / Average interest-bearing liabilities
8 consumersFaisal Khan

Net Interest Spread

Consistent
Yield on advances − Cost of funds
7 consumersFaisal Khan
+ 13 more metrics in this domain

Banking — Asset Quality

24 metrics
All consistent

Gross NPA Ratio

Consistent
Gross NPA / Gross Advances
RBI
12 consumersFaisal Khan

Net NPA Ratio

Consistent
(Gross NPA − Provisions) / (Gross Advances − Provisions)
RBI
11 consumersFaisal Khan

Provision Coverage Ratio (PCR)

Consistent
Total provisions / Gross NPA
RBI
8 consumersFaisal Khan

Slippage Ratio

Consistent
Fresh slippages (Q) / Standard advances (opening)
RBI
6 consumersFaisal Khan

Recovery Ratio

Consistent
Recoveries / Opening NPA
5 consumersKavita Iyer

Restructured Asset Ratio

Consistent
Restructured advances / Gross advances
RBI
4 consumersFaisal Khan

Days Past Due Migration

Consistent
Bucket-wise migration tracking
7 consumersFaisal Khan

SMA Ratio (SMA-0/1/2)

Consistent
Special Mention Account exposure / Standard advances
RBI
5 consumersFaisal Khan

Write-off Ratio

Consistent
Write-offs / Gross advances
4 consumersFaisal Khan
+ 15 more metrics in this domain

Banking — Liquidity and Capital

18 metrics
All consistent

Capital Adequacy Ratio (CAR)

Consistent
Total capital / Risk-weighted assets
Basel IIIRBI
11 consumersFaisal Khan

Tier 1 Capital Ratio

Consistent
Tier 1 capital / Risk-weighted assets
Basel III
9 consumersFaisal Khan

Liquidity Coverage Ratio (LCR)

Consistent
HQLA / Net cash outflows (30d stress)
Basel IIIRBI
8 consumersFaisal Khan

Net Stable Funding Ratio (NSFR)

Consistent
Available stable funding / Required stable funding
Basel III
7 consumersFaisal Khan

CASA Ratio

Consistent
(Current + Savings) / Total deposits
14 consumersSandeep Krishnan

Credit-Deposit Ratio

Consistent
Total advances / Total deposits
RBI
10 consumersSandeep Krishnan

Loan-to-Value (LTV) by Product

Consistent
Loan outstanding / Collateral value
6 consumersSandeep Krishnan
+ 11 more metrics in this domain

Banking — Volume and Growth

32 metrics
1 drifting

Deposit Growth (YoY)

Consistent
(Deposits_now − Deposits_yoy) / Deposits_yoy
9 consumersSandeep Krishnan

Advances Growth (YoY)

Consistent
(Advances_now − Advances_yoy) / Advances_yoy
9 consumersSandeep Krishnan

CASA Growth

Consistent
CASA_now − CASA_prior
7 consumersSandeep Krishnan

Term Deposit Growth

Consistent
TD_now − TD_prior
6 consumersSandeep Krishnan

Customer Acquisition Count

Consistent
New unified customers / period
11 consumersPriya Menon

Customer Acquisition Cost (CAC)

Consistent
Total acquisition spend / New customers
8 consumersKarthik Subramanian

Customer Lifetime Value

Consistent
PV of expected net revenue per customer
6 consumersKarthik Subramanian

Cross-sell Ratio

Consistent
Products held / Customers
7 consumersPriya Menon

Wallet Share

Drifting
Pinnacle relationship / Estimated total wallet
5 consumersPriya Menon

Branch Productivity

Consistent
Business per branch FTE
8 consumersArjun Reddy

Channel Mix

Consistent
Sourced volume by channel / Total
6 consumersArjun Reddy

Digital Adoption Rate

Consistent
Digitally active customers / Total customers
9 consumersPriya Menon
+ 20 more metrics in this domain

Banking — Customer

24 metrics
All consistent

Total Relationship Value

Consistent
Σ balances + investments + insurance value per customer
12 consumersPriya Menon

Average Revenue Per Customer

Consistent
Total revenue / Active customers
9 consumersKarthik Subramanian

Net Promoter Score (NPS)

Consistent
% Promoters − % Detractors
8 consumersPriya Menon

Customer Churn Rate

Consistent
Closed customers / Opening base
7 consumersPriya Menon

Customer Retention Rate

Consistent
1 − Churn rate
7 consumersPriya Menon

Mass Affluent Penetration

Consistent
MA customers / Eligible base
5 consumersPriya Menon

Wealth Management Activation

Consistent
Active wealth customers / Eligible base
4 consumersPriya Menon

Time to First Product (Onboarding)

Consistent
Days from KYC to first funded product
6 consumersPriya Menon
+ 16 more metrics in this domain

Insurance

28 metrics
All consistent

New Business APE

Consistent
Annualized Premium Equivalent of new business
IRDAI
8 consumersFaisal Khan

Persistency Ratio (13M)

Consistent
Active policies at 13M / Issued policies
IRDAI
7 consumersFaisal Khan

Persistency Ratio (25M)

Consistent
Active policies at 25M / Issued policies
IRDAI
6 consumersFaisal Khan

Persistency Ratio (37M)

Consistent
Active policies at 37M / Issued policies
IRDAI
5 consumersFaisal Khan

Persistency Ratio (49M)

Consistent
Active policies at 49M / Issued policies
IRDAI
5 consumersFaisal Khan

Persistency Ratio (61M)

Consistent
Active policies at 61M / Issued policies
IRDAI
5 consumersFaisal Khan

Solvency Ratio

Consistent
Available solvency margin / Required margin
IRDAI
6 consumersFaisal Khan

Embedded Value

Consistent
Adjusted net worth + Value of in-force business
IRDAI
5 consumersFaisal Khan

VNB Margin

Consistent
Value of new business / APE
IRDAI
6 consumersFaisal Khan

Claims Ratio

Consistent
Net claims incurred / Earned premium
IRDAI
7 consumersFaisal Khan

Expense Ratio

Consistent
Operating expenses / Earned premium
5 consumersFaisal Khan

Combined Ratio

Consistent
Claims ratio + Expense ratio
IRDAI
5 consumersFaisal Khan

Surrender Rate

Consistent
Surrenders / Active policies
4 consumersFaisal Khan

Lapse Rate

Consistent
Lapsed policies / Active policies
4 consumersFaisal Khan
+ 14 more metrics in this domain

Lending — Apex Capital NBFC

22 metrics
All consistent

Disbursement Volume

Consistent
Count of disbursed loans / period
7 consumersSandeep Krishnan

Disbursement Value

Consistent
₹ disbursed / period
7 consumersSandeep Krishnan

AUM Growth

Consistent
ΔAUM / period
6 consumersSandeep Krishnan

Cost of Funds (NBFC)

Consistent
Interest expense / Avg borrowings
5 consumersFaisal Khan

Net Interest Spread (NBFC)

Consistent
Yield on advances − Cost of funds
5 consumersFaisal Khan

Yield on Advances (NBFC)

Consistent
Interest income / Avg advances
5 consumersFaisal Khan

Operating Cost per Account

Consistent
Opex / Active accounts
4 consumersAnjali Desai

Collection Efficiency

Consistent
Collections / Demand
6 consumersKavita Iyer

Bounce Rate (NACH)

Consistent
Bounced mandates / Total presented
5 consumersKavita Iyer

Bucket-wise DPD distribution

Consistent
Exposure split by 0-30, 31-60, 61-90, 90+
RBI
7 consumersFaisal Khan
+ 12 more metrics in this domain

Treasury and Markets

16 metrics
All consistent

VaR (1d, 99%)

Consistent
1-day 99% Value at Risk
Basel III
6 consumersFaisal Khan

DV01

Consistent
Dollar value of 1bp
5 consumersFaisal Khan

Net Open Position

Consistent
FX long − FX short
RBI
5 consumersFaisal Khan

Trading Income

Consistent
P&L from trading book
5 consumersFaisal Khan

Investment Yield

Consistent
Coupon + accruals / Avg investments
4 consumersFaisal Khan

Duration of Portfolio

Consistent
Weighted modified duration
4 consumersFaisal Khan
+ 10 more metrics in this domain

Operations and Risk

18 metrics
All consistent

STP Rate

Consistent
Straight-through processed / Total
6 consumersArjun Reddy

AML Alert Rate

Consistent
Alerts / Total transactions
RBI
5 consumersKavita Iyer

STR Conversion

Consistent
STRs filed / AML alerts
RBI
4 consumersKavita Iyer

Fraud Loss Ratio

Consistent
Fraud loss / Transaction value
5 consumersKavita Iyer

Operational Risk Loss

Consistent
Op-risk losses (Basel categories)
Basel III
4 consumersKavita Iyer

First Call Resolution

Consistent
Resolved on first call / Total calls
5 consumersArjun Reddy

Average Handle Time

Consistent
Avg time per service interaction
4 consumersArjun Reddy
+ 11 more metrics in this domain

Customer Experience

14 metrics
All consistent

NPS — Branch

Consistent
Branch-channel NPS
5 consumersPriya Menon

NPS — Digital

Consistent
Digital-channel NPS
6 consumersPriya Menon

NPS — Call Center

Consistent
Call-center NPS
4 consumersPriya Menon

CSAT

Consistent
Customer Satisfaction Score
5 consumersPriya Menon

Customer Effort Score (CES)

Consistent
Effort to resolve / interact
4 consumersPriya Menon

App Store Ratings

Consistent
Avg rating across iOS + Android
3 consumersPriya Menon

Complaint Resolution Time

Consistent
TAT to closure
RBI
4 consumersArjun Reddy

Mobile App MAU

Consistent
Unique mobile-app users / 30d
5 consumersPriya Menon

Internet Banking MAU

Consistent
Unique IB users / 30d
4 consumersPriya Menon
+ 5 more metrics in this domain

Compliance and Regulatory

28 metrics
All consistent

DPDP Compliance Score

Consistent
Composite of consent + retention + access
DPDP
6 consumersMeera Pillai

Consent Coverage Rate

Consistent
Active consents / Eligible customers
DPDP
5 consumersMeera Pillai

Data Principal Rights Response Time

Consistent
TAT to fulfill DPR request
DPDP
4 consumersMeera Pillai

Breach Notification Time

Consistent
Time from detection to notification
DPDP
4 consumersMeera Pillai

RBI Master Direction Adherence

Consistent
Compliance scorecard
RBI
5 consumersSandeep Krishnan

Priority Sector Lending Achievement

Consistent
PSL advances / ANBC
RBI
7 consumersSandeep Krishnan

CRR Maintenance

Consistent
Average CRR / NDTL
RBI
5 consumersFaisal Khan

SLR Maintenance

Consistent
Average SLR / NDTL
RBI
5 consumersFaisal Khan

KYC Completeness

Consistent
Full-KYC customers / Active customers
RBI
6 consumersMeera Pillai

CKYC Upload Compliance

Consistent
Uploaded CKYC / Eligible records
RBI
4 consumersMeera Pillai

AML Screening Coverage

Consistent
Screened transactions / Total
RBI
5 consumersKavita Iyer
+ 17 more metrics in this domain