Four steps to control printing expenses

Print management is an important business function for banks, but it’s often overlooked. Despite the emphasis on security these days, companies too often ignore the security and confidentiality of internally printed materials, and they don’t see the hidden costs of indiscriminate printing behaviors. To secure print workflows, educate employees and reduce the cost of printing operations, bank Read More

By |2020-05-27T18:00:17-05:00November 11th, 2015|Comments Off on Four steps to control printing expenses

How to keep more profitable deposits

Bankers throughout the country are increasingly focused on both attracting properly-priced funds and creating more practical, customer-centric ways to retain quality deposits. It’s no secret that retaining appropriately-priced deposits is a more cost-effective proposition than chasing new funding. Financial institutions have invested greatly in core infrastructure and are hungry for better strategies to most efficiently leverage the Read More

By |2020-05-27T18:00:17-05:00October 19th, 2015|Comments Off on How to keep more profitable deposits

Reconsidering Excel in financial services

The invention of relational cell-based spreadsheet technology in the late 1970s was truly a game changer. Today the technology is so accepted and so much a part of our life that it’s almost like using a faucet. However, we need to keep in mind that Dan Bricklin’s VisiCalc electronic spreadsheet hit the market only in 1979, when Read More

By |2020-05-27T18:00:18-05:00October 6th, 2015|Comments Off on Reconsidering Excel in financial services

Improving the asset liability management modeling process

Each bank is unique in that it possesses a distinct strategy, asset mix, product selection, customer base and risk profile that differentiates it from others. As such, the profitability and survival of each one of these institutions are largely determined by how well their boards and senior managers can balance current and potential earnings while maintaining adequate Read More

By |2020-05-27T18:00:18-05:00September 15th, 2015|Comments Off on Improving the asset liability management modeling process

Comparative analytics in commercial banking

In recent years, many banks have made significant investments in the commercial business to drive growth and to deepen customer relationships. These investments have come in the form of hiring of relationship managers, adding treasury management products and staff and installing new technology. At the same time, interest spreads on commercial loans have declined and capital and Read More

By |2020-05-27T18:00:30-05:00August 21st, 2015|Comments Off on Comparative analytics in commercial banking

What a retail bank is really worth

For most banks, their retail franchise is the most valuable part of the company. Ask any M&A professional. Yet, because of the way many banks do business unit accounting, it is often the least profitable, especially over the last few years when the accounting value of deposits has declined precipitously. This presents a difficult issue for managers. Read More

By |2020-05-27T18:00:31-05:00July 20th, 2015|Comments Off on What a retail bank is really worth

Profitability measurement for today’s banks

While bankers historically have been focused on driving growth, the reality is that not all growth creates sustainable value or profits for banks. In fact, some industry estimates suggest that up to 40% of a bank’s customers may be unprofitable to their institutions. This underscores the level of complexity involved in effectively evaluating and managing profitability as Read More

By |2020-05-27T18:00:37-05:00February 17th, 2015|Comments Off on Profitability measurement for today’s banks

Deposit pricing game theory for rising rates

Twice in the past twenty years we experienced a cycle of decrease and increase in the Fed funds rate. And in both cases, institutions started increasing their rates slowly and gradually a few months before the Fed actually started increasing the funds rate. The most recent event occurred in anticipation of the Fed funds rate that took Read More

By |2020-05-27T18:00:37-05:00February 2nd, 2015|Comments Off on Deposit pricing game theory for rising rates

Improving retail profitability with enhanced profitability data

Bankers continue to see pressure on net income and many are attempting to improve results by reducing expenses and maximizing fee income. In doing so, they are being reminded of just how hard it is to squeeze more net income out of current period revenue. The traditional assumption is that improving profitability means expense reductions. A better Read More

By |2020-05-27T18:00:37-05:00January 26th, 2015|Comments Off on Improving retail profitability with enhanced profitability data

Utilities management for expense reduction

In their continuing quest to reduce expenses in a sluggish economic environment, bankers often ignore routine monthly expenses, such as for utility services. Is anyone at your bank managing that? Or is it just handled day-to-day, month in and month out? In our experience, the accounts payable department ensures that the utility company is billing the bank Read More

By |2020-05-27T18:00:38-05:00January 13th, 2015|Comments Off on Utilities management for expense reduction