TKG Perspectives

The Next Three Significant Risk Factors

The past five years have been filled with significant risk factors that have affected virtually every financial institution of all types, size, structure, and geography.  We are well aware of […]


Lessons from Management Reviews

Over the past three years, TKG has been engaged by a significant number of banks to provide an assessment of the capabilities of management to operate the bank in a […]


Implementing Management Reporting in Community Banks

The pressure is on for Community Banks to raise their skill in the development, delivery, analysis, and utilization of information.  Think about what Enterprise Risk Management, Capital Planning, Compliance Management, […]


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 […]


The Current State of Banking, Relevance and Technology

The past five years have been the most trying times in most current bankers’ careers. The economy continues to struggle through a long downturn.  Interest rates remain at historical lows, […]


What’s the “Process” of “Process Management”?

One of the adages that became popular over the last decade is “Manage the process; Measure the results”.  Executives have found that, like most such “easy to roll off the […]


Strategic Management of the IT Function

Most bankers would intuitively agree that information technology (IT) is a strategic function in the banking industry.  It is increasingly important to interact with customers over the web and via […]


What Does Reviewing Strategic Alternatives Mean to You?

I recently read the following headline: “Next step for ABC Bancorp could be ‘strategic alternatives’.”  It could have read, “ABC Bancorp is out of options and should sell.”  [The name […]


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 […]