Where to Find Growth
As banks struggle to replace reduced retail earnings and higher regulatory and compliance-related costs, where should banks be looking for growth? Some banks may already be stretching their…
As banks struggle to replace reduced retail earnings and higher regulatory and compliance-related costs, where should banks be looking for growth? Some banks may already be stretching their…
It is no secret that banks need to do more with less. Lower branch profits, higher regulatory and compliance costs, higher costs of credit, more dollars required for technology and…
In our last newsletter, we discussed some of the guiding principles that top retail banks like Umpqua employ to differentiate the branch experience and distinguish the bank from others. …
The Umpqua Store Wendel’s note: Ric Carey managed the Community Banking/Retail Banking Branch network at Umpqua from 2003 to early 2011 and during that time played an essential role in…
We apologize for our company’s email outage last week. If you sent an email to us and did not receive a reply, please resend it to my address at cwendel@ficinc.com…
Recently, we were speaking to a client about the various approaches he might take to improve his bank’s small business and commercial banking sales processes. He expressed frustration about the…
Has the American consumers’ attitude toward credit and their view of personal responsibility for debt fundamentally changed? At least for a significant percentage of customers it has. However, many analysts…
Just a few years ago, a number of our consulting projects focused on how to increase deposits, particularly from the business customer who could provide a bank with deposits that…
In the last week, the headlines of two articles appear to tell very different stories about prospects for small business borrowers and their lenders. One article states “Banks Ready to…
Tuesday’s Wall Street Journal offered a headline that most banks instinctively know: “Banking Whales Leave Minnows Behind.” The big are getting bigger while smaller banks risk becoming irrelevant to an…