STRATEGIC VALUE

Value for
RBC

This diagnostic transforms RBC from a transactional lender into a strategic partner that helps SMEs grow sustainably and prepare for M&A transactions.

Key Benefits for the Bank

Better Credit Risk Assessment

Go beyond financial statements to assess operational resilience and true repayment capacity. Identify key person risks before they become defaults.

Reduction in loss provisions
Early detection of warning signals
More accurate repayment capacity assessment

Advisory Positioning

Shift from lender role to strategic advisor. Offer actionable insights that help your clients grow, creating deeper and stickier relationships.

Competitive differentiation
Increased perceived value
Deeper client relationships

Visible M&A Pipeline

Identify clients preparing for M&A transactions. Position RBC as the natural financial partner for these deals, generating investment banking service revenues.

Cross-sell opportunities
M&A service revenues
Visibility on future transactions

Improved Client Retention

Clients who receive strategic insights and actionable support are less likely to switch banks. The diagnostic creates a trust-based relationship built on value.

Reduced churn
Increased lifetime value
Recommendations and referrals

Revenue Expansion

Create new revenue opportunities beyond traditional credit: advisory services, strategic support, M&A services, treasury products, and risk management.

New revenue streams
Increased revenue per client
Diversified revenue sources

Precise Targeting

Identify high-potential clients who deserve intensive support versus those requiring increased monitoring. Allocate resources optimally.

Efficient resource allocation
Data-driven prioritization
Improved ROI on support

Market Differentiation

Traditional Banks

  • ✗Assessment based solely on financials
  • ✗Transactional relationship
  • ✗Reactive to problems
  • ✗Standardized product offering

RBC with Diagnostic

  • ✓Holistic assessment: financial + operational
  • ✓Strategic partnership
  • ✓Proactive and preventive
  • ✓Customized solutions based on insights

Concrete Use Cases

Improved Credit Decision

SCENARIO

A client requests a $2M credit increase. Financials are solid, but the diagnostic reveals high operational concentration (N1 score).

RBC ACTION

RBC offers credit with conditions including a 12-month governance improvement plan. Client accepts, reducing risk and strengthening the relationship.

Proactive Support

SCENARIO

The diagnostic identifies an N3 client (ready to scale) with strong M&A potential. The founder is considering an exit in 2-3 years.

RBC ACTION

RBC proposes strategic support and positions itself as M&A advisor. Generates advisory revenues and captures the future transaction.

Early Risk Detection

SCENARIO

A client with good payment history scores high on Founder Trap Index. The diagnostic reveals the founder is burned out and considering leaving.

RBC ACTION

RBC initiates a proactive conversation about succession and business continuity, avoiding a potential default.

Market Targeting

SCENARIO

RBC wants to identify high-potential clients in its portfolio of 500 SMEs for an intensive support program.

RBC ACTION

The diagnostic identifies 50 N2-N3 clients with strong growth potential. RBC allocates support resources in a targeted manner, maximizing ROI.

ROI Framework

15-25%
LOSS REDUCTION

Early detection of operational risks reduces loan loss provisions.

30-40%
REVENUE INCREASE

Cross-sell advisory services, M&A, and treasury products to diagnosed clients.

20-30%
RETENTION IMPROVEMENT

Clients who receive strategic insights stay longer and recommend RBC.