Temenos Spotlight User and Administrator Guide
Waived Fees

The Waived Fees page provides an overview of the waived fee data included in the next three pages. This data includes:

If an institution does not waive or report waived fees, waived fee information does not appear within the Profitability Analysis Presentation.

Waived Fee Analysis Deposits Trend

The Waived Fee Analysis Deposits Trend page displays the amount of fees waived as well as the percent of total fees waived for each of the last twelve quarters in a dual axis, double bar graph.

In this graph, the x-axis indicates the last twelve quarters. Each quarter along the x-axis contains two bars, which correspond with the waived fees and % waived fees. The left y-axis corresponds with the red bar and represents the total waived fee amount. The right y-axis corresponds with the beige bar and represents the % waived.

To the right of the graph, the Profitability Analysis Presentation provides commentary on the waived fees trend.

Waived Fees Analysis Deposit Products

The Waived Fee Analysis Deposit Products page itemizes the current quarter's fees waived as well as the percent of total fees waived per deposit product.

In this graph, the x-axis indicates the institution's deposit products. Each product itemized in the x-axis contains two bars, which correspond with the waived fees and % waived fees. The left y-axis corresponds with the red bar and represents the total waived fee amount. The right y-axis corresponds with the beige bar and represents the % waived.

The Waived Fee Analysis data table displays the following:

Column Description
Category Indicates the category which the deposit product belongs to. For example: consumer and commercial deposits
Product Indicates the product type. For example: Share Account and Money Market
Waivable Indicates the total fees assessed during the current quarter.
Waived Indicates the total fees waived during the current quarter.
% Waived Indicates the percent of fees waived as compared to the total amount of fees assessed.
% Waived = Waived / Waivable
Negative values are indicated in parenthesis.

Waived Fee Analysis by Fee Type

The Waived Fee Analysis by Fee Type page itemizes the current quarter's fees waived as well as the percent of total fees waived according to the fee type.

In this graph, the x-axis indicates the institution's fee types. Each fee type itemized in the x-axis contains two bars, which correspond with the waived fees and % waived fees. The left y-axis corresponds with the red bar and represents the total waived fee amount. The right y-axis corresponds with the beige bar and represents the % waived.

The Waived Fee Analysis data table displays the following:

Column Description
Fee Type Indicates type of fee assessed. For example: NSF and Returned Check Fee
Waivable Fees Indicates the total fees assessed during the current quarter.
Waived Indicates the total fees waived during the current quarter.
% Waived Indicates the percent of fees waived as compared to the total amount of fees assessed.
% Waived = Waived Fees / Waivable Fees
Negative values are indicated in parenthesis.

 

 


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