Bank
Book of Businesses-scale readiness for SME relationship managers.
Illustrative Universal Bank — SME Banking Group
A universal bank's SME Banking group extends structured business health visibility to 4,800 relationship-managed SMEs, changing the advisory conversation and program prioritization.
Challenge
What the organization faced.
Relationship Managers hold portfolios of 60 – 120 SMEs each. There is no consistent view of business readiness across the book, no shared understanding of which SMEs are decision-ready for the bank's growth financing programs, and no evidence base for book-wide program design.
Growth Breakthrough
How the assessment was run.
Executive Growth Interviews are completed with 3,120 SMEs. RM day-to-day process includes the ranked list of interventions. Reports are RM-reviewed and published to the client through the bank-branded portal.
Indices
Business Health Score and Growth Readiness Score.
Business Health Score
64.9
at 12 months
Baseline 58.4
Delta +6.5
Growth Readiness Score
62.1
at 12 months
Baseline 55.2
Delta +6.9
Top three constraints in the cohort
RI-104
Financial Visibility
22.8% of cohort
RI-108
Sales System Maturity
17.9% of cohort
RI-111
Operational Reliability
12.4% of cohort
Executive Dashboard
What leadership sees.
4,812
SMEs in the book
3,120
Reviews completed
812
Decision-ready for growth programs
92%
RM adoption (weekly active)
Recommended Next Step
What was prioritized.
Bank-owned advisory programs are mapped to the RI-104, RI-108, and RI-111 catalog. RMs enter clients into cohort programs from the list of interventions. Cross-referral to non-lending advisory partners is tracked.
Measured Improvement
Twelve-month delta.
+6.5 pts
Average Business Health Score
1.8×
SMEs actively engaged per RM
+38%
Cross-referral to bank advisory programs
0
Credit or lending decisions made by the platform
Twelve-month narrative
What changed for the organization.
The bank's next Investor Day features measured SME book of businesses readiness as evidence of the SME Banking strategy. The platform never touches credit decisioning; it changes the shape of the advisory conversation.
This case study is illustrative. Data is realistic but fictional. Live pilot outcomes are produced by your own book of businesses during a 90-day pilot.