Stop the To-Do List Madness: Use Behavioral Economics to Drive Bank Profitability
Most banks reward activity. High-performing banks reward profitable activity. Discover how behavioral economics reshapes execution and margin.
Welcome to the Top 5 Percenter™ Blog
The Real Question Is, Can You Afford Not To? [VIDEO]
A dear friend asked me a question one time, “Oh really, can you afford not to?”
And I thought that was one of the most brilliant questions I’ve ever heard.
Let me pose it to you this way.
Can you afford not to figure out how to increase your net interest margin by 100 basis points while bringing down your cost of funds and bringing up the quality of the loans you’re making?
Can you afford not to invest deeply in the people who you have on your team to move them from being transactional bankers to transformational bankers?
Can you afford not to build a system such that your marketing and your sales ties together so that you can close those top 100 next best prospects at premium pricing with an 85% close rate or above?
Seriously, can you afford not to, when 50-140% of your profits come from that top 100 list of your most profitable customers?
The true question that we need to ask ourselves as executives is, “Can we afford not to?” And can we break loose of the old belief system that we’ve had for a long time that certain things can’t be done?
During challenging times, the things that “couldn’t be done” in the past must be done now. So, step up and ask yourself this question: “Can I afford not to?”
To your success,
Roxanne Emmerich
More From The Blog
Accountabilibuddies: The Missing Link to Real Bank Performance
Most banks say they want accountability. Few build it. Discover how to create mutual accountability that strengthens culture and improves performance.
Profit connect: Tie every team member to measurable bank profitability
Most bank employees believe they’re top performers. Discover how to align every role to measurable profitability and eliminate hidden performance drag.
Why Culture Cannot Be Delegated
Most banks pretend that culture can be delegated. Wrong. Elite banks weaponize culture as their profit engine. Here’s the system CEOs can’t ignore.
Why Your Team Can’t Charge Premium Pricing—And How It’s Killing Your Legacy [VIDEO]
Premium pricing isn’t a tactic—it’s a mindset. When belief is missing, margin and legacy are at risk.
News Flash—Markets Don’t Dictate Premium Pricing [VIDEO]
Banks don’t lose margin because of the market. They lose it because of belief systems that keep them competing on price.
Higher Net Interest Margin With Less Risk – Fact or Fiction? [VIDEO]
Most banks chase NIM by matching rates. Top banks raise pricing by changing positioning. Here’s how they do it.
Rate Risk is a Big Risk—Play Smart [VIDEO]
Guessing interest rates is not a strategy. Here’s how top community banks remove rate risk and stay profitable.
Why Community Banking Matters—Especially at Christmas [VIDEO]
A Christmas reflection on why community banking matters—and why your leadership impact extends far beyond transactions.
Life in the World of Over-Regulation [VIDEO]
Top banks don’t complain about regulation—they execute around it. Here’s how the elite outperform anyway.