The Earnings Enhancement Program for Retail Banking is designed to enhance earnings while maintaining a Client's competitiveness within the marketplace. It applies PT's proprietary collection of Value Creation StrategiesTM to a multitude of areas and functions.
Reviews include activities related to timing, calculation and assessment of fees and interest, balance accumulation methods, exception item processing, and other similar activities designed to maximise revenue. They can encompass several or all of the following enhancement areas:
Retail and Personal Banking, Deposit Accounts, Cheque Accounts, Overdrafts, Secured and Unsecured Lending, Consumer Lending, Business Lending, Small/Medium Business Banking, Cash Management, Depository Activities, Float, General Operations, Retail Delivery Systems and Treasury Activities.
Engagement Activities:
- Revenue Optimisation
- Compliance and Disclosures
- Balance Sheet Optimisation
- Optimising Item Processing and Float
- Review of Treasury Activities
- Business Process Reengineering
- Product Line Evaluation
- Lending Analysis
Engagement Results
- Increased Net Operating Revenue
- Increased Interest Income
- Increased Non-Interest/Fee Income
- Increased Core Deposits
- Increased Investable Funds
- Increased Average Loans
- Improved Efficiency Ratio
- Reduced Interest Expense
- Reduced Non-Interest Expense
- Reduced Non-Earning Assets
- Improved Customer Satisfaction
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