FINANCIAL SERVICES

Hit every reporting deadline without the month-end scramble

Planir consolidates every licensed entity and fund and holds allocations, cost-to-income and the schedules your regulator and board expect in the same model, so instead of working late to assemble them, you just refresh.

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Cost to income by line
Current year
IncomeOperating costCost to income %$0m$10m$20m$30m$40mAdvisory62%Markets66%Lending58%Insurance69%Other78%
Trusted by CFOs and finance teams at multi-entity groups across APAC

What finance teams in regulated groups are dealing with

Three patterns that show up in nearly every licensed multi-entity group we talk to.

01

The deadline is only met by working late

Statutory schedules and regulatory returns are assembled by hand from ledger extracts each period. The team can meet the deadline, but only by spending the week before it assembling the numbers instead of analysing them.

02

Cost-to-income is argued about rather than managed

Shared cost is allocated across business lines on a basis held in one person's spreadsheet. Every line disputes its allocation, nobody can reproduce last quarter's, and the ratio the board sees has no working behind it.

03

Funds and licensed entities each consolidate differently

Regulated entities, funds and service companies sit under different ownership and reporting obligations. Producing a group view means applying those treatments manually and identically every cycle, and being able to prove you did.

What Planir does for a regulated group

Business-line detail and the group position in one model, with the working kept for review.

01

Regulatory and board schedules on one timetable

The schedules you produce each period are built once in the model and refreshed from live ledger data, so the assembly week disappears and the numbers in a board pack and a regulatory return come from the same place. Planir models and reports them, but it does not file them on your behalf.

See board reporting
Period close
Schedules
From live ledger data
Group P&L and balance sheetrefreshed
Business line analysisrefreshed
Capital and liquidity viewrefreshed
Recalculated each cycle
02

Allocations that hold up to review

The allocation basis lives in the model rather than in a spreadsheet, so cost-to-income by business line is reproducible, and a line that disputes its share can be shown the driver behind it. Change the basis and the effect on every line is visible before you commit to it.

See budgeting and planning
Allocation
Shared cost
Driver based
Technologyby headcount
Premisesby seats
Complianceby revenue
Basis changemodelled first
03

Funds and licensed entities in one group model

Regulated entities, funds and service companies consolidate with the treatment each needs, intercompany charges eliminate automatically, and currency translates on the basis your auditors expect. A single fund or licensed entity can still be reported on its own.

See multi-entity consolidation
Group
Eleven entities
Treatments applied
Licensed entities4
Funds5
Service companies2
Intercompany service feeeliminated
Groupconsolidated
04

An audit trail that survives the review

Every assumption is documented at cell level and every version of the model is kept, so when a reviewer asks why a number moved between periods the answer is in the model rather than in somebody's memory of what they changed.

See investor reporting
Audit trail
Change history
Cell level
Assumption changedwho and when
Prior versionretained
Review noteattached
Linked to the model

Explore other use cases

Planir is built for the planning and reporting cycles that funded, governed, and multi-entity businesses actually run.

Multi-entity groups

Multi-entity consolidation

Consolidated financials across every entity, every accounting system, and every currency, with intercompany eliminations applied for you.

See multi-entity consolidation
Investor obligations

Investor reporting

The financial section of every monthly and quarterly investor update, generated from your live data.

See investor reporting
Board governance

Board reporting

The financial foundation of every board pack, with variance analysis by dimension and forward projections your board can interrogate.

See board reporting
Planning & forecasting

Budgeting and planning

Driver-based 3-way budgets and forecasts built from your live data, with every assumption documented and reviewable.

See budgeting and planning
Fundraising & M&A

Pre-transaction preparation

Investor-grade 3-way projections with documented assumptions, ready for fundraising, M&A, and due diligence.

See pre-transaction preparation

Planir for Financial Services FAQs

Can Planir report cost-to-income by business line?
Yes. Income, direct cost and allocated shared cost are held per line and roll into the group view, so the ratio for a line and the ratio for the group come from the same model rather than two separate workings.
Do we need to replace our core system?
No. Planir sits above it and reads actuals out of it, so your core banking, policy or fund administration system stays the system of record. Operations keep working where they work.
How does Planir handle allocations between business lines?
The allocation basis is a driver in the model rather than a spreadsheet, so the result is reproducible and a line can be shown what drove its share. Changing the basis shows the effect on every line before you commit to it.
Can Planir consolidate funds and licensed entities together?
Yes. Each consolidates with the treatment it needs, intercompany charges eliminate automatically, and any single entity or fund can still be reported on its own.
Is there an audit trail on changes?
Yes. Assumptions are documented at cell level and prior versions are retained, so a reviewer can see what changed between periods, who changed it and why.
What does implementation involve?
Planir handles requirements, data setup, configuration, UAT, training and deployment with you, scoped to one priority workflow and measured in weeks. We scope the specifics for your group in the working session.

See your entities and your business lines in one model

Bring your entity list and a recent set of figures, and leave with a consolidated group view and cost-to-income by line built from your own data.

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