Executive Summary: At many banks, an increasing disparity exists between what senior bankers say their enthusiasm is for small businesses and reality. Unfortunately, the small business segment risks becoming an…
Executive Summary: For the most part, banks will emerge from the current down cycle with the same management teams in place that steered them into the crisis. However, a more…
Executive Summary: Despite some well-publicized strong earnings from Goldman Sachs and JP Morgan, the overall banking industry continues to suffer. The near-term outlook for many banks indicates deteriorating performance over…
Executive Summary: At many banks the Small Business effort is in a deep slump, negatively impacted by declining performance, senior management reticence about the segment, and increased alienation of the…
Executive Summary: The role of Private Equity (PE) in banking continues to evolve. PEs bring capital and a fresh perspective on growth opportunities. Many banks will need both going forward….
Executive Summary: Last week’s purchase of BankUnited by a Private Equity (PE) group is simply the latest in an increasing number of investments by PEs. We expect the pace and…
The inflection curve is a concept that I became familiar with by reading Andy Grove’s biography, Only the Paranoid Survive. In his words, “A strategic inflection point is a time…
Executive Summary: The effective use of capital and increased demands on management require senior bankers to evaluate “non-core” lines of business and refocus or exit those that “mis-fit” either due…
Executive Summary: Loyalty has never been more attractive to an industry struggling to maintain quality assets and higher returns. At the same time, it is increasingly difficult to achieve loyalty…
Executive Summary: The banking industry has allowed itself to be painted very negatively as struggling to survive, uncaring of its customers, and, oftentimes, more focused on self-dealing than on its…