Thinking About Growth? Fuhgetaboutit!
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…
Maintaining and Growing Deposits: The Practitioner’s Perspective
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…
Growing Deposits in a Low Interest Rate Environment
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…
Do Banks Need a Chief Deposit Officer?
Executive Summary: Banks have identified that they need to address deposit-gathering in a sustainable and consistent fashion. However, they frequently approach this area with a fragmented and disorganized approach. Management…
Building a Deposit Factory – Part II
Executive Summary: With attractive deposits seemingly increasingly elusive in the current environment, banks need to intensify their deposit focus. Consistency and rigor across the footprint need to complement local knowledge…
Building a Deposit Factory
Executive Summary: Other than capital, no other area is more critical to the life blood of a bank than deposit retention and growth. Yet, most banks pursue this key survival…
2009: Bad Year for Small Businesses and Their Bankers
Executive Summary: 2009 looks to be a bad year for the small business customer. However, 2010 and beyond may be bad years for banks that break their covenant with small…
Farewell Wachovia
Executive Summary: Wachovia, about to be absorbed by Wells Fargo, was once one of the best and most respected banks in the world. Thinking back on the bank that was…
Proving Relevance: Is Your Business Relevant to Your Bank’s Future?
Executive Summary: Capital and funding constraints have resulted in bankers now being asked by management to justify why the bank should continue to invest in their businesses. Bankers now need…
Blowing It
Executive Summary: Short-sighted managers, failing to act on the opportunity that the present volatility offers them, are missing what is a once-in-a-lifetime chance to reposition their banks for long-term growth…