Upside Down Thinking on Efficiency: Changing Priorities to Drive Results


Bank executives spend considerable time thinking about strategies to improve efficiency in order to improve overall profitability; this often includes a focus on expense reductions. Once a bank can no longer materially improve its efficiency ratio by further reducing costs, what’s next? In this discussion, explore specific strategies to improve ROA and ROE, understand methods to increase core customer acquisition significantly, and utilize data to understand the impact of customers on overall profitability.

David Furnace
Chief Executive Officer
Haberfeld Associates