Improving Retail Delivery
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…
Highlights the importance of segmentation and how a bank can differentiate itself.
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…
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 recent weeks, I have heard too often about how difficult it is for bankers to generate commercial loans. One problem for bankers is that they continue to fish in…
Last time, I wrote about why most banks fail in selling to and servicing the small business space. Among the reasons: Lack of a differentiating customer offer. Leading…
Executive Summary: For the foreseeable future, U.S. banks will be operating in a relatively slow growth economy. That does not mean, however, that your bank is condemned to a slow…
Executive Summary: Senior bank managers wanting to grow in small business need to give greater accountability and authority to line of business heads. Geography remains important but should be focused…
Executive Summary: To survive in an increasingly competitive and regulation-intense world, community banks and their bankers’ activities need to change significantly. Let’s look into the near future and…
Executive Summary: The current business environment makes new lending problematic, as many traditional products provide limited growth. However, now is the time for management to evaluate and prepare for selective…