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FMSI Article in BAI Banking Strategies



By W. Michael Scott
November 22, 2013
 
BAI Banking Strategies Article: Finding Opportunity in Declining Branch Volumes

"With average branch monthly teller transaction volume for financial institutions (FIs) declining more than 45% in the past 20 years, according to FMSI’s annual Teller Line Study, banks are challenged more than ever to keep their branches profitable.
 
Fortunately for banks with resourceful management, branch volumes and branch profitability do not have to go down in lockstep fashion. Depending on the transaction mix, of course, high branch volumes are generally viewed as a positive contribution to profitability. However, it’s possible for even very low-volume branches to be profitable through a combination of proactive management, operating-hours optimization, and technology-driven scheduling."

Read the entire article here.