The banking industry has done a lot of things right over the past few years, yet banks are finding it more and more challenging to garner core earnings growth. I'm convinced we can find billions in additional profit improvement if we just have the right information on which to act. [Read more]
For the past 40 years a bank's power base has been centered in the hands of commercial loan officers, but the winds have shifted - these days banking is about a lot more than credit. [Read more]
Since 1992, the banking industry has managed to push its efficiency ratio down from 65% to 55%. Revenue per employee has skyrocketed from $133,000 to $228,000 in the same time period. How in the world did we improve our margins so significantly? Two words: non-interest income. [Read more]