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Branch Efficiency Breakthroughs Part I of III: Solving for Locations

Branch networks became conspicuously overgrown during recent expansion years and now pose an immense burden — over half of the total expense base in retail banking — in the wake of the U.S. mortgage crisis and economic slowdown. The challenge now is balancing the need for significant expense reduction with the need to preserve customer relationships and position the bank for future growth. Underscoring the degree of management conflict on how to respond, some banks ...

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