[The 31January power dashboard is the one of the first dashboards i had made. Its not relevant in this project]

View the Presentation(click here)

This project analyzes customer-level banking data from 1995–2021, covering approximately 3,000 customers across American, African, Asian, and European regions

Despite steady customer growth (81% increase from 2016–2021), the bank faces liquidity and risk challenges, driven by a low loan-to-deposit ratio, high loan-to-income ratio, and regional risk variations.

The aim of this project is to uncover actionable, data-driven insights to:

Support informed decisions on liquidity, collateral, and customer segmentation.

Identify risks in current lending and deposit practices.

Recommend strategies to retain and engage profitable customer segments.

Key Findings:

• Loan-to-deposit ratio below 1.0 — violates Basel III, indicating liquidity risk.
• Loan-to-income ratio very high (9.2x) — increasing potential for default.
• Majority of borrowers are younger (21–35), active but lower collateral.
• Medium-income clients dominate deposits, high-income clients prefer borrowing but less engaged for deposits.
• Regional differences: Asian clients have stronger deposits; Europeans have higher defaults.

Suggested Actions:

• Freeze or securitize loans temporarily until deposits improve, or explore bonds for liquidity.

• Strengthen affordability checks and stress-test portfolios to prevent defaults.

• Retain medium-income and high-income clients through loyalty and bundled premium services.

• Offer financial literacy and graduated products for younger borrowers.

• Customize collateral and marketing strategies by region.