Patent ID: 7117177

Claim:
A method using a computer system for analyzing the value of a deposit liabilities base associated with a financial institution and for providing a deposit liability contract through which the financial institution obtains a right to sell the deposit liabilities base to a third party at a predetermined price, comprising the steps of: analyzing external market data, and internal data pertaining to the financial institution, and inputting at least some of the external market data and the internal data to the computer system; calculating an estimated market value or a range of such values for the deposit liabilities base; generating a minimum potential bid price or a range of such prices for the deposit liabilities base; and incorporating the generated bid price or the range of such prices into the deposit liability contract, wherein the price or range of prices which the third party will pay during a predetermined term for the deposit liabilities are specified; whereby the value of the deposit liabilities base may be quantified without the need for divesting the deposit liabilities base from the financial institution, and also to allow the deposit liabilities base to be resold if desired.