Industry Insights
Articles
The Portfolio Approach to Asset Allocation
Advanced bankers are taking a much more comprehensive view of asset diversification, with emphasis on pragmatic insights that can be harnessed to support healthy growth.
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Looking Beyond Products to Customer Lifetime Value
In a continuing tight market, banks can no longer pump out an assortment of their very best products and rest assured that profits will come rolling in.
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Linking Customer Behavior with Bank Financial Management
The recent financial crisis has sparked a new level of collaboration between Treasury and customer-oriented business lines, centered on in-depth analysis of account behavior.
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Small Business Banking: Setting the Agenda for Relationship Growth
To win in a tight market for small business banking, institutions will need to serve the total customer relationship, including commercial and household financial needs.
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New Strategies for Relationship Expansion
As retail banks fight for growth through market share gains, executive management will need explicit strategies to cultivate fuller customer relationships.
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The Relationship Approach to Retail Loan Growth
As lenders fight for growth through market share gains, the competitive emphasis will tilt from pushing products to cultivating fuller customer relationships.
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Debit Legislation: Rethinking Retail Payments Strategy
Recent legislation likely will pummel debit interchange fees. Winning banks will develop new strategies and innovations that will improve customer segment responsiveness.
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Renewing Home Equity Lending
The new competitive dynamic requires a much more analytical understanding of markets and customers, plus a consultative and personalized interaction with each borrower.
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A Cautious Outlook for Household Credit Demand
In a languid credit recovery, winning retail banks will need superior skills in targeting, relationship management, risk-adjusted pricing and underwriting.
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Rebooting the Checking Operating Model
Facing a sharply reduced revenue cushion to compensate for losses, banks will need to be much more selective about how they operate critical aspects of the checking business.