Leveraging deposit data and analytics to identify which customers truly drive earnings is becoming essential, according to a recent Bank Director article. Focusing on deposit quality, customer behavior, and cost-to-serve can help banks deepen relationships and build more durable value in a competitive rate environment, the article states.
Have you identified the most profitable segments of your customer base? Are your pricing strategies aligned with actual depositor behavior? How well does your bank distinguish between operational accounts that drive stable, low-cost funding and high-maintenance accounts that erode margin?
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