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Posts in category "Performance Management"

12/06/2017

Helping Your CEO Feel Better about Risk Management

Bank CEOs are a worrisome bunch, and really, who could blame them? It’s the role of a CEO in any industry to manage necessary business risks and eliminate unnecessary ones. Financial institution CEOs have to do so in an environment that’s fraught with risk from multiple sources. PWC’s 20th CEO Survey illustrates the worries financial industry CEOs…

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11/14/2017

Managing Credit Default Risks in a Rising-Rate Environment

By now, most bank customers are probably aware that the Fed raised its federal funds rate earlier this year, and they’ve probably heard the rate will likely climb again before the end of the year (and multiple times next year). Following the increase, a deluge of information and opinion poured down on consumers, telling them how the higher rate…

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10/19/2017

Finding the Right Mix of Fixed and Variable Loans in a Rising-Rate Environment

Most consumers probably understand that when the Federal Reserve increases its benchmark federal funds rate, it’s only a matter of time before the corresponding rise in interest rates hits their wallets. How will mortgage seekers react to the rising-rate environment? It’s probably a safe prediction that rising interest rates will spur increased interest in fixed-rate…

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10/12/2017

Best Ways to Optimize Your Budgeting, Planning, and Forecasting Processes

How does your financial institution approach performance management? Are you still taking a silo approach to the key aspects of successful PM, including planning, budgeting and forecasting (PBF)? Are you trusting the way you’ve always done PBF will keep your organization moving forward in today’s faster, streamlined marketplace? Performance management is evolving, and financial institutions…

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09/14/2017

Niche Mining Advice for Small Banks and Credit Unions

“When I ask community banks what they excel at, I hear the same answer time and again: ‘Well, we’re a community bank,’” Paul Schaus, president, CEO and founder of bank consulting firm CCG Catalyst, wrote in an article for Bank Innovation. “That is not a niche; the vast majority of consumers don’t even know what a…

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09/06/2017

5 Secrets to Turbo-charging Your Bank’s Performance

Before the Great Recession, most financial institutions were rolling along, reaping return on average assets (ROAA) in the neighborhood of 1.35 percent. ROAA nose-dived (along with practically every other economic and financial indicator) between 2007-2009, only to tick back up in 2010. From 2012 to 2016, the average ROAA was around 1.02 percent. In the…

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08/09/2017

Strategic Responses to the Rising Rates Environment

Air travelers largely fall into two categories: those who pay attention to the safety instructions and mentally plan how they’ll respond in different emergency scenarios, and those who ignore the flight attendant and just keep doing whatever they were doing before the safety announcements began. The current rising rates environment is like a plane full of bankers…

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