PIN Navigator Overview. PIN Navigator : background Delivers PIN data on key finance, vehicle, and dealer information along with the customer’s credit.
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PIN Navigator Overview
PIN Navigator : background Delivers PIN data on key finance, vehicle, and dealer information along
with the customer’s credit score (available at the time of the transaction) to financial institutions on a weekly basis via a web portal
Together with the data PIN currently collects, the credit score information enables finance institutions to monitor all components of the consumer deal within a risk context
Data is accessed though a series of report formats that can be populated with data on demand based on the user’s selection criteria
Combines weighted new and used vehicle transaction data; weighting based on vehicle registration data
At initial product launch, PIN Navigator will be populated with data going back to January 2004; Additional historical data will be added over time to increase the amount of trending that can be extracted.
Available - Fall 2004
Web Based data base
36 US markets – 5 in Canada
Variables Available in PIN Navigator
Vehicle Provider Transaction Dealer
Finance Reserve
Penetration
Market Location
Total PIN F&I Income
(PVR)
Vehicle Cost
Vehicle Gross
Vehicle Profit Margin
Make
Manufacturer
Model
Model Year
Nameplate
Origin
Vehicle Segment
Vehicle Sub
Segment
Vehicle Super
Segment
Amount Financed - Loan APR/IRR Buy Rate Cap reduction - Lease Credit Score Credit Tier Customer Cash Rebate Finance Reserve Amt. Lease Residual Loan-To-Cost Loan-To-Value Monthly Payment Percent Financed Spread Term Total Down Transaction Type Type of Sale Vehicle Price
Provider Market
Share
Provider Name
Provider Segment
Provider Sub
Segment
Note: Variables highlighted in red are unique to PIN Navigator
PIN Navigator Portal Provides Easy Access To Reports and Information - Data Updated Weekly
Client Dashboard
Provides a Quick Summary of Buy Rates for New and Used Vehicles Across Credit Tiers
Favorite/Recent Reports
Stores and Recalls Frequently-Used and Recently-Run Reports
Reports
Access Report Formats Within Tool
Powergram
Daily News Summary of Relevant Information for Auto and Auto Finance Industries
Account Info.
Manage Users, Define Variables (e.g., Credit Tiers, Contract Term, Create Provider Aggregates)
PIN Navigator Framework - Select a Report Format
Report Format
Detailed Descriptions on Next Slide
Report Measure
Variable Selected to Populate Report
Columns and Rows
Variables Selected to Display Measure Variable
Filters
Defines the Universe for the Report
PIN Navigator Framework - Select Report Measure, Columns, Rows and Filters
PIN Navigator :: Provider Competitive Landscape
Report Generated
Measure
Columns
Rows
Date Range
New/ Used
Loan/ Lease
Loan to Cost
Loan to Value
ProviderA+
720-999A
680-719B
650-679C
625-649D
0-624 Total Count
BANK OF AMERI CA 3.7% 4.1% 4.8% 6.0% 5.0% 4.0% 5525
BANK ONE 3.9% 4.3% 6.4% 10.8% 14.1% 6.0% 1969
CHASE AUTOMOTI VE FI NANCE 3.6% 3.8% 4.7% 5.5% 5.9% 3.9% 25204
SUNTRUST BANK 3.7% 4.3% 5.1% 5.6% 5.6% 4.1% 3914
US BANK 3.5% 3.7% 4.2% 4.9% 11.7% 3.9% 2513
WACHOVI A 3.5% 3.8% 4.6% 4.5% 5.8% 3.7% 1944
WELLS FARGO BANK 3.9% 4.5% 5.3% 6.8% 9.4% 4.4% 1212
Total 3.6% 3.9% 4.8% 6.2% 7.6% 4.0% 59146
* Providers are ranked by transaction volume, then up to 25 are displayed per segment in alphabetical order.
v1.0 ®2004 Power I nformation Network® LLC. All Rights Reserved
Buy Rate (Average) by Provider (Top 7 displayed* )
New Only
Loan Only
0 to 200 %
0 to 200 %
A+ (720-999), A (680-719), B (650-679), C (625-649), D (0-624),
lendersubsegment
FiltersApr 09, 2004 to J ul 08, 2004
Report CriteriaSep 9, 2004 11: 26 AM
Buy Rate (Average)
Credit Score
PIN Navigator Report Output Examples – Rate by Credit Tier
PIN Navigator Report Output Examples – Region penetration%
PIN Navigator :: Market Landscape
Report Generated
Measure
Columns
Rows
Date Range
New/ Used
Loan/ Lease
Loan to Cost
Loan to Value
MarketBANK OF AMERI CA
BANK ONE
CHASE AUTOMOT
I VE FI NANCE
SUNTRUST BANK US BANK
WACHOVIA
WELLS FARGO BANK Total Count
Atlanta 6.0% 2.3% 2.5% 8.6% 0.3% 16.1% 2.6% 4.1% 5250
Baltimore/ Washington 2.0% 0.3% 3.3% 20.2% 0.1% 31.6% 1.3% 5.6% 7135
Boston 0.1% 0.0% 5.8% N/ A 0.2% N/ A 0.5% 3.1% 3942
California - North 7.0% 0.8% 2.0% N/ A 2.1% N/ A 5.1% 2.6% 3282
California - South 18.7% 10.9% 10.3% N/ A 11.0% N/ A 16.1% 10.4% 13329
Charlotte 2.1% 1.4% 1.5% 4.5% 1.4% 25.2% 0.6% 2.7% 3502
Chicago 1.1% 6.6% 6.3% N/ A 5.8% N/ A 1.1% 4.3% 5497
Cleveland N/ A 6.4% 4.3% N/ A 7.3% N/ A 1.7% 3.1% 4002
Dallas/ Ft. Worth 5.3% 4.9% 4.2% N/ A 5.1% N/ A 6.9% 4.0% 5076
Denver 1.1% 4.9% 1.7% N/ A 1.0% N/ A 3.2% 1.6% 2052
Detroit 0.1% 2.9% 1.8% N/ A 0.9% N/ A 0.3% 1.2% 1555
Houston 6.9% 8.5% 5.8% N/ A 3.3% N/ A 4.4% 5.1% 6478
I ndianapolis 0.0% 6.0% 2.5% N/ A 1.4% 0.1% 1.1% 1.8% 2357
Kansas City 0.5% 0.5% 0.7% N/ A 3.6% N/ A 0.7% 0.7% 917
Miami 15.8% 3.7% 4.2% 15.6% 2.7% 15.3% 2.4% 7.5% 9566
Minneapolis N/ A 3.3% 5.0% N/ A 11.9% N/ A 9.2% 4.0% 5077
Nevada 4.0% 1.7% 1.9% N/ A 1.4% N/ A 5.4% 2.1% 2659
New York 0.3% 0.9% 11.5% N/ A 0.5% N/ A 1.1% 6.3% 7987
Norfolk/ Virginia Beach 0.2% 0.3% 1.0% 3.4% 0.1% 4.5% 1.1% 1.2% 1482
Oklahoma 3.2% 3.4% 0.6% N/ A 3.7% 1.5% 3.4% 1.5% 1895
Orlando 0.5% 0.8% 1.7% 25.3% 8.9% 0.8% 2.3% 4.5% 5708
Other 3.5% 6.7% 2.0% 1.9% 2.3% 0.9% 4.9% 2.6% 3357
Philadelphia 1.0% 0.6% 4.9% 3.9% 0.2% 1.5% 0.7% 3.3% 4253
Phoenix 5.6% 14.8% 3.4% N/ A 2.3% N/ A 9.1% 4.2% 5373
Pittsburgh 0.2% 0.0% 1.4% N/ A 0.5% 0.6% 0.1% 0.8% 1047
Seattle/ Portland 10.5% 0.5% 2.2% N/ A 2.2% N/ A 13.0% 3.6% 4612
St. Louis 1.0% 0.5% 5.3% N/ A 19.2% N/ A 0.9% 4.1% 5182
Tampa 1.4% 1.2% 1.7% 16.0% 0.3% 1.3% 0.4% 3.1% 3911
Tennessee 1.7% 5.0% 0.6% 0.6% 0.4% 0.6% 0.4% 1.0% 1302
Total 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 127785
Column % by Market
New Only
Loan Only
0 to 200 %
0 to 200 %
BANK OF AMERI CA , BANK ONE , CHASE AUTOMOTI VE FI NANCE , SUNTRUST BANK , US BANK All Markets
FiltersApr 09, 2004 to J ul 08, 2004
Report CriteriaSep 9, 2004 11:33 AM
Column %
Providers (up to 8)
PIN Navigator Report Output Examples – Buy Rate by week
PIN Navigator :: Trend Analysis
Report Generated
Measure
Columns
Rows
Date Range
New/ Used
Loan/ Lease
Loan to Cost
Loan to Value
Date RangeBANK OF AMERI CA
BANK ONE
CHASE AUTOMOT
I VE FI NANCE
SUNTRUST BANK US BANK
WACHOVIA
WELLS FARGO BANK Total Count
Week of J an 04 2004 4.8% 6.5% 4.0% 4.9% 4.1% 3.9% 6.1% 4.5% 4054
Week of J an 11 2004 4.9% 6.3% 4.1% 4.8% 4.1% 4.0% 6.8% 4.6% 4229
Week of J an 18 2004 4.8% 6.7% 3.8% 4.8% 4.3% 4.0% 7.4% 4.4% 5077
Week of J an 25 2004 4.8% 7.3% 3.9% 4.6% 4.0% 4.0% 7.0% 4.5% 5614
Week of Feb 01 2004 4.7% 7.7% 3.9% 4.5% 4.3% 3.9% 7.4% 4.5% 4415
Week of Feb 08 2004 4.8% 6.5% 3.9% 4.8% 4.0% 3.9% 7.4% 4.5% 4847
Week of Feb 15 2004 4.6% 7.2% 3.8% 4.7% 4.1% 4.0% 6.6% 4.4% 5883
Week of Feb 22 2004 4.6% 6.8% 3.8% 4.8% 4.2% 3.9% 6.3% 4.4% 6518
Week of Feb 29 2004 4.6% 6.6% 3.9% 4.5% 5.0% 3.9% 6.9% 4.4% 5386
Week of Mar 07 2004 4.4% 6.3% 4.0% 4.7% 4.3% 3.9% 6.8% 4.4% 4915
Week of Mar 14 2004 4.5% 6.0% 4.0% 4.6% 4.1% 3.9% 6.6% 4.5% 5383
Week of Mar 21 2004 4.5% 5.5% 3.9% 4.4% 3.9% 4.0% 6.7% 4.3% 6030
Week of Mar 28 2004 4.7% 6.5% 3.8% 4.3% 3.7% 3.7% 6.7% 4.3% 6931
Week of Apr 04 2004 4.6% 6.7% 3.9% 4.4% 4.3% 3.9% 7.1% 4.4% 4433
Week of Apr 11 2004 4.7% 6.2% 4.1% 4.4% 4.4% 4.1% 7.7% 4.6% 4300
Week of Apr 18 2004 4.6% 6.5% 4.1% 4.6% 4.0% 3.8% 7.8% 4.6% 4593
Week of Apr 25 2004 4.8% 7.1% 4.1% 4.6% 3.9% 3.8% 7.0% 4.5% 5588
Week of May 02 2004 4.8% 7.5% 4.1% 4.7% 4.3% 3.9% 7.5% 4.6% 3792
Week of May 09 2004 5.1% 8.1% 4.3% 4.7% 4.1% 3.9% 6.7% 4.7% 3798
Week of May 16 2004 5.0% 7.7% 4.5% 5.0% 4.2% 3.9% 6.8% 4.9% 3703
Week of May 23 2004 5.0% 8.2% 4.4% 5.1% 4.8% 3.9% 6.7% 4.9% 4637
Week of May 30 2004 5.0% 7.8% 4.5% 4.9% 4.5% 4.0% 6.2% 4.8% 4286
Week of J un 06 2004 5.1% 8.1% 4.7% 5.0% 4.3% 4.3% 6.9% 5.1% 3004
Week of J un 13 2004 5.2% 9.7% 4.9% 5.0% 4.5% 4.1% 6.5% 5.3% 3120
Week of J un 20 2004 5.1% 9.7% 4.7% 5.2% 4.4% 4.2% 6.6% 5.2% 3447
Week of J un 27 2004 5.0% 9.0% 4.7% 5.2% 4.5% 4.2% 6.7% 5.1% 4355
Week of J ul 04 2004 5.0% 8.7% 4.8% 5.3% 5.1% 4.2% 7.8% 5.1% 2084
Total 4.8% 7.0% 4.1% 4.7% 4.2% 4.0% 6.8% 4.6% 126638
Buy Rate (Average) by Date Range
New Only
Loan Only
0 to 200 %
0 to 200 %
BANK OF AMERI CA , BANK ONE , CHASE AUTOMOTI VE FI NANCE , SUNTRUST BANK , US BANK All Date Ranges
FiltersApr 09, 2004 to J ul 08, 2004
Report CriteriaSep 9, 2004 11: 42 AM
Buy Rate (Average)
Providers (up to 8)
PIN Navigator Report Output Examples –Car category by Bank
PIN Navigator :: Vehicle Landscape
Report Generated
Measure
Columns
Rows
Date Range
New/ Used
Loan/ Lease
Loan to Cost
Loan to Value
RowsBANK OF AMERI CA
BANK ONE
CHASE AUTOMOT
I VE FI NANCE
SUNTRUST BANK US BANK
WACHOVIA
WELLS FARGO BANK Total Count
Compact Car 15.7% 22.3% 12.7% 14.1% 9.3% 13.5% 18.4% 18.2% 18000
Fullsize Car 0.7% 0.8% 0.9% 0.9% 1.6% 2.2% 0.8% 0.9% 1194
Luxury Car 6.1% 3.4% 10.8% 5.3% 11.2% 9.8% 3.4% 5.0% 10950
Midsize Car 13.3% 15.7% 14.6% 14.7% 13.6% 14.9% 15.1% 17.1% 18499
Pickup 24.9% 22.2% 17.5% 21.4% 22.9% 18.0% 26.2% 20.9% 25762
Sport Utility Vehicle (SUV) 26.9% 24.5% 31.0% 29.6% 32.1% 28.8% 25.6% 27.6% 37698
Sporty Car 5.6% 3.7% 4.8% 5.0% 3.4% 4.2% 4.4% 3.5% 6051
Van 6.8% 7.4% 7.7% 9.0% 5.9% 8.6% 6.1% 6.9% 9631
Total 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 100.0% 749338
Column % by Rows
New Only
Loan Only
0 to 200 %
0 to 200 %
BANK OF AMERI CA , BANK ONE , CHASE AUTOMOTI VE FI NANCE , SUNTRUST BANK , US BANK All Rowss
FiltersApr 09, 2004 to J ul 08, 2004
Report CriteriaSep 9, 2004 11: 48 AM
Column %
Providers (up to 8)
PIN Navigator Report Output Examples –Bank profile – multiple
PIN Navigator :: Profile Comparison
Report Generated
Measure
Columns
Rows
Date Range
New/ Used
Loan/ Lease
MeasureBANK OF AMERI CA
BANK ONE
CHASE AUTOMOT
I VE FI NANCE
SUNTRUST BANK US BANK
WACHOVIA
WELLS FARGO BANK Total Count
Amount Financed/ Net Cap 21322 18775 23032 22202 26453 22054 23127 22114 236849
APR (Average) 6.7 10.1 5.6 6.5 5.5 5.3 8.1 7.2 236849
Buy Rate (Average) 5.3 9.0 4.4 5.1 4.5 4.3 7.1 6.3 236849
Credit Score (Average) 710 685 717 717 720 733 704 699 236849
Customer Cash Rebate 1881 1970 2378 2094 2538 2040 2050 1787 236849
Finance Reserve $ (Average) 800 596 703 773 721 582 604 502 236849
Finance Reserve Penetration (% ) 3.2 2.6 2.5 2.9 2.3 2.1 2.4 2.0 236849
Lease Residual (Average) 15899 15928 19161 14066 15157 23548 13595 16144 236849
Loan to Cost % 110 109 99 104 102 96 117 106 236849
Loan to Value % 84 83 81 83 84 79 87 84 236849
Monthly Payment 398 378 430 411 443 415 414 412 236849
Spread % (Average) 1.5 1.1 1.2 1.3 1.0 1.0 1.0 0.8 236849
Term 63 62 61 63 58 61 62 59 236849
Total Down ($) 4369 4033 5910 4743 4955 6152 3461 4453 236849
Total PI N F&I I ncome (PVR) 1158 822 931 989 809 719 871 713 236849
Transaction Count 40856 18802 103224 22182 21681 7492 22612 1459798 236849
Vehicle Cost (Average) 20618 18272 24459 22269 26414 24349 20885 21976 236849
Vehicle Gross Margin (Average) 8.2 8.7 6.0 5.9 6.1 6.0 8.8 7.1 236849
Vehicle Gross Profit (Average) 1580 1434 1404 1212 1510 1376 1683 1405 236849
Vehicle Price 22062 19537 25748 23307 27684 25540 22395 23276 236849
All Measures
Both
Both
All Measures
FiltersApr 09, 2004 to J ul 08, 2004
Report CriteriaSep 9, 2004 11: 51 AM
All
Providers (up to 8)
top related