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Industry Insights


Prioritizing for Growth in Commercial Banking

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.


Threading the Needle for Consumer Loan Growth

In elasticity-based pricing; cross-sell and account consolidation; and risk-adjusted returns, there are performance opportunities that can be realized next year.


Efficiency, Growth and Risk: Striking a Critical Balance

As banks gear up for 2012, finance and risk managers will need to lead the charge in aligning future strategies with the changing circumstances that financial institutions face.


Fed Rule on Debit Interchange: Partial Relief at Best

Although the blow to debit interchange will be less than feared, banks still face the challenge of recasting the overall retail payments line of business.


The Customer Connection in Branch Productivity

In the quest to improve branch productivity, sustainable new arrangements can only be achieved through joint adaptations by banks and their customers.


Core Deposits: Pricing for Retention and Expansion

To strengthen the composition of deposit portfolios, leading banks are refining deposit pricing strategy for major customer groups.

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Sparking Consumer Lending

Winning retail banks will gain market share by consolidating household borrowings that often are splintered among multiple providers.


Whitewater: Checking Fee Strategy for a Turbulent Market

A selective approach will be needed to lift checking economics in a way that preserves the product’s contribution to household growth and retention.



Regaining Revenue Altitude

In a challenging market, there is a pressing need for projects that can deliver early results and also set the stage for further advances going into next year.


Unlocking Liquidity Premiums

While high liquidity premiums were entirely appropriate several years ago, they now are skewing bank funding incentives and lending competitiveness at many banks.