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Industry Insights

Articles

Virtual Customers: Who’s Minding the Store?

Retail banking customers increasingly are skipping branch lobbies in favor of remote alternatives such as online banking. Are they receiving adequate management attention?

Articles

The Merger Trap

At a time of massive overcapacity in the U.S. branch system, merger-based consolidation is once again being touted as an industry solution in pressing times. But are potential acquirers looking at a major opportunity or stepping into a major trap?

Articles

Buyer Beware

As the revenue drought drags on in retail banking, regional players are facing growing pressure for another major round of merger-based consolidation. Based on a recent Novantas analysis of the entire U.S. branch system, about 16,000 outlets, or about 18 percent of the total, will either need to be closed or reworked over the next three years.

Articles

Avoiding Branch Fatalities

A top banking performance challenge is dealing with impaired branch capacity. A strong market context will be needed in exploring ways to avert closures “at total loss.”

Articles

Practical Steps to Address the Crisis in Retail Banking

Following basic measures to cope with the revenue drought, retail bankers face the steeper challenge of transforming their franchises to compete in a changed market.

Articles

Night of the Zombie Branches: Rescues Possible?

Facing an overhang of failing branches, banks will need to take decisive action to avert closures

Articles

Slash or Transform Retail Distribution?

Banks that under-invest in a multi-channel future do so at considerable risk. New strategies are needed to balance branch cost reduction with distribution innovation.

Articles

Multi-channel M&A: Where do Branches Fit?

To grow in a market that is only partially recovered, commercial bankers will need a set of focused initiatives that match strengths with select opportunities. As with other banking lines of business, much of the commercial opportunity for 2012 centers on gaining market share.

Articles

Risk and the Road Ahead: What Bank Directors Need to Know

To cope with market volatility and heightened regulatory pressure, bank boards must play a much more proactive role in risk management.

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Articles

Back to the Drawing Board for 2012

As banks gear up for 2012, the problem is not just overcapacity, but obsolete capacity. Deeper cost cuts must fit within a larger plan to rebuild the business.