Skimatik Concepts
ReActivate ROI Calculator
Dormancy recovery · ROI model

What is your dormant book actually costing you?

Enter six figures from your own records. The model returns the deposits sitting idle, the revenue they would earn if recovered, and the operating cost you avoid by reactivating without a branch visit.

Every formula is published below. The conservative case is shown first, by design — a programme that only works in its best scenario is not one worth approving.
Your figures
Six inputs · from your core banking and finance reports
As classified under your own dormancy policy
Mean balance across those accounts
₦
Share of the dormant book you recover in a year now
%
Net interest margin plus fee income, per naira of retail deposit
%
Fully loaded: officer time, documents, ZSM and compliance review, rework. Most banks have never costed this — replace the placeholder with your own figure
₦
Reactivated accounts still transacting a year later
%
Annual position
Three scenarios · uplift over what you already recover
LineConservative
9%Base
18.4%Strong
24%
Incremental reactivationsover your current rate
Deposits restoredbalance sheet stock — not income
Revenue recoveredyield × retention, first 12 months
Operating cost avoidedversus branch reactivation
Total annual value
Break-even ceiling · conservative case
At any annual programme investment below this figure, the conservative case returns more than it costs. The base and strong cases raise the ceiling considerably.

How this is calculated

Five formulas. No hidden coefficients, no adjustments applied after the fact.

Incremental reactivations

Only the uplift counts. Accounts you would have recovered anyway are excluded from every figure. This is where vendor models most often inflate results.

accounts × (scenario rate − your rate)

Deposits restored

A stock returned to the balance sheet, not income. Reported separately and never added to revenue — a model that sums the two is wrong.

reactivations × average balance

Revenue recovered

Retention is applied because an account that lapses again does not earn a full year. Omitting it overstates first-year revenue by about a third.

deposits × yield × retention

Operating cost avoided

Console cost per reactivation is modelled at ₦1,240. This is the more defensible half of the case: it rests on your operating costs, not on projected customer behaviour.

reactivations × (branch cost − ₦1,240)

Status of the scenario rates

The 9%, 18.4% and 24% reactivation rates are modelled from the ReActivate™ platform model and observed dormancy behaviour in Nigerian retail banking. They are not yet independently verified across a completed client programme, and we say so here rather than let an analyst find it later. Where a figure becomes verified client performance, we will replace it and date the replacement. The inputs above are yours; only these three rates are ours.

What this model leaves out

Each is a real benefit you may capture and that we do not claim

See the console behind the model

A walkthrough runs about fifteen minutes: one dormant customer from campaign to reactivated account, through segmentation, a two-minute mobile reactivation, the 48-hour approval SLA, and the reconciled naira.

Request a walkthrough