Small Business: The Thrill is Gone
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: 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…
Executive Summary: Senior bank management needs to develop a growth path for the post-downturn economy. Instead, most bankers are concentrating on the very near term. Recently, I was speaking…
Executive Summary: While retaining and growing deposits today involves more challenges than in recent years, focus, discipline, and culture across a bank will build share and increase deposit productivity. Two…
Executive Summary: The current low interest rate environment offers a complex set of challenges to banks seeking deposits. Rate-based competition now takes a back seat to initiatives tied to product…