When Treasury and business units use different assumptions about the cost of funds, product profitability becomes difficult to measure and accountability less clear. Eskhata Bank's redesigned Funds Transfer Pricing framework provides a consistent approach to internal funding costs, risk allocation and liquidity management, offering practical lessons for banks operating in markets with limited financial data.
A P&L statement shows what a bank has already earned. CLTV looks ahead: which customers are likely to create value in the future, and what behaviour will drive it? Bereke Bank’s experience shows why banks need to move beyond the idea of an “average customer”, how they can work with incomplete data and where CLTV can sharpen decisions on acquisition, retention and customer development.
