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Transform the Branch Model — Before it’s Too Late

Despite a difficult outlook, branches are still not dead. But traditional thinking about branches may have been dealt a death blow by the events of the past few years. More than 40% of U.S. branches are financially underwater today, and most of these will not become profitable under almost any conceivable economic scenario. More concerning is that even among the profitable 60% of branches, most newly originated customer relationships are unlikely to ever become profitable. ...

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