The Earnings Enhancement Program for Commercial Banking applies PT's proprietary collection of Value Creation StrategiesTM to a multitude of areas and functions. It is designed to enhance earnings while maintaining a Client's competitiveness within the marketplace.
Enhancement areas include: Account Analysis, Corporate Systems, Commercial Lending, Cash Management, Depository Activities, General Operations, Delivery Systems and Treasury Activities.
Engagement Activities:
- Revenue Optimisation
- Compliance with Disclosures
- Balance Sheet Optimisation
- Optimising Item Processing and Float
- Review of Treasury Activities
- Business Process Reengineering
- Product Line Evaluation
- Lending Analysis
Engagement Results:
- Increased Interest Income
- Increased Non-Interest/Fee Income
- Increased Net Operating Revenue
- Improved Efficiency Ratio
- Increased Core Deposits
- Increased Investable Funds
- Increased Average Loans
- Reduced Interest Expense
- Reduced Non-Interest Expense
- Reduced Non-Earning Assets
- Improved Customer Satisfaction
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