Performance Measurement

Do Banks Really Care About Their Financial Performance?

I’m sure that most of you would say that the answer to the above question is, “sure they do,” and often this starts and stops with “top of the house” […]


Bankers: Here’s What I Do

Content marketing gurus tell us not to put sales pitches in your content. But I would like readers to know what I do in case they want greater context to […]


The Impact of Low Interest Rates on Net Interest Margin and Performance

The current and protracted low interest rate environment has played havoc on net interest margins and resulting bank performance and profitability. Banks have historically made money by borrowing short and […]


Business Checking: Not Profitable?

Does it make sense for business bankers to seek core deposits from their customers?  This question was posed to me by a senior lender at a Northeast bank that had […]


Big Data or Big BS in Banking

Banking is becoming increasingly and irreversibly data driven. The amount of information we collect on customers exceed most industries, with the possible exception of the medical industry. Much like medical, […]


Hard to Believe it’s Been 10 Years!

On November 1, 2011, The Kafafian Group (“TKG”) celebrated its 10 Year Anniversary as an independent company.  But actually, our history goes back to the early 1980’s. TKG HISTORY The […]


What’s Happened to Bank Profitability?

The economic crisis has certainly taken its toll on the financial industries’ profitability and overall performance at many levels.  Without a doubt, deteriorating credit quality in investment and loan portfolios […]