We help you refine your strategic vision through planning systems and approaches tailored to your organization. We do not superimpose our views and values on your organization. We listen to you and bring to bear our background, experience and perspective to your planning challenges. We meet with you, analyze, develop written reports and present our findings to you. The process is comprehensive and rigorous.
Our purpose is to enhance your profits through balance sheet restructuring, reducing non-interest expense, enhancing non-interest income and improving back-office efficiencies and pricing.
We work your institution through an analysis of the generic alternatives confronting all banking institutions, namely:
Sell, Independence, Acquire, Merge ("S.I.A.M").
Our aim is to improve your competitiveness by profiling your competition on dimensions of strategy, financial performance, product - service breadth, pricing practices, distribution and operational capability. We analyze and develop appropriate recommendations and initiatives.
We help you maximize performance by determining appropriate level of company resources (financial and non-financial) to allocate by line of business.
We refine your thinking on branch office decisions through marketing, locational and financial analyses. We identify potential new markets using economic, demographic and competitive data. We estimate loan and deposit demand. We construct a financial forecast of the branch and superimpose its effects on a forecast of your institution. We measure the differential impact on profitability, leverage and liquidity. We develop your regulatory application package for the new branch(s).
We help you refine your marketing strategy through research and counseling on product offerings, pricing, positioning and advertising. We thoroughly evaluate existing and potential new markets on the dimensions of economics, demographics, competition and loan and deposit demand.
We analyze and prepare you on emerging legislative and regulatory developments having potentially favorable/unfavorable bank consequences.
We help you increase you marketing and delivery effectiveness through counseling on optimum organizational planning.