Blog Posts in category: pricing and profitability

Understanding Your Customers to Drive Profitability

Understanding Your Customers to Drive Profitability

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Today, most financial institutions do not know the profitability of their customers – and they need to. To weather the economic downturn, banks and credit unions need to understand their profitability. On average, only one out of every three...
Funding with a Flat Curve

Funding with a Flat Curve

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Recently, we have heard a lot about flattening the curve but what do you do with pricing when dealing with a flat loan yield curve? It’s not as if we haven’t faced this before but it has been some time,...
Don’t Let the Pandemic Be a Death Sentence on Your Branch Profitability

Don’t Let the Pandemic Be a Death Sentence on Your Branch Profitability

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There is an old story about the new CEO of a community bank with four branches. As he reviewed the profitability, he saw he had one branch doing very well, two barely profitable, and one doing poorly. He thought he...
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