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Cheryl Wondrasch

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How Does Customer Profitability Increase Our ROE?

Posted by Cheryl Wondrasch

Aug 25, 2015 4:36:43 PM


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Topics: Profitability Management

Top 5 Questions to Ask Before Changing Your Branch Structure

Posted by Cheryl Wondrasch

Aug 25, 2015 4:30:37 PM


Very early in my career, my professional mentor and manager frequently made the comment “banks make money in spite of themselves”.  I was in my mid 20’s, a financial analyst, and just learning about banking.  To me, it seemed the opposite, we used complex concepts like funds transfer pricing, and credit allocations.  How could smart people, that understood these topics, lose money?

Twenty years later, I’m beginning to see the wisdom of his comment.  Hopefully, I have not upset my fellow finance managers in the industry.   I have built my career around financial reporting and analysis.  I have had the opportunity to be a financial manager in large and small institutions.   The last eight years have been spent consulting on and installing customer, organizational, and product profitability systems.

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Topics: Profitability Management

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