Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur tincidunt mollis ante non volutpat. Nam consequat diam nec leo rutrum tempus. Nulla accumsan eros nec sem tempus scelerisque. Morbi tincidunt risus magna, posuere lobortis felis. Donec at vehicula risus. Cras vel sollicitudin ipsum. Etiam tincidunt placerat enim, a rhoncus eros sodales ut.
A blockquote means someone has something important to say. Lorem ipsum dolor sit amet, consectetur adipiscing elit.
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Donec at vehicula risus. Cras vel sollicitudin ipsum. Etiam tincidunt placerat enim, a rhoncus eros sodales ut.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur tincidunt mollis ante non volutpat. Nam consequat diam nec leo rutrum tempus. Nulla accumsan eros nec sem tempus scelerisque. Morbi tincidunt risus magna, posuere lobortis felis. Donec at vehicula risus. Cras vel sollicitudin ipsum. Etiam tincidunt placerat enim, a rhoncus eros sodales ut.
Nam consequat diam nec leo rutrum tempus. Nulla accumsan eros nec sem tempus scelerisque. Morbi tincidunt risus magna, posuere lobortis felis.
Donec at vehicula risus. Cras vel sollicitudin ipsum. Etiam tincidunt placerat enim, a rhoncus eros sodales ut.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur tincidunt mollis ante non volutpat. Nam consequat diam nec leo rutrum tempus. Nulla accumsan eros nec sem tempus scelerisque. Morbi tincidunt risus magna, posuere lobortis felis. Cras vel sollicitudin ipsum. Etiam tincidunt placerat enim, a rhoncus eros sodales ut.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur tincidunt mollis ante non volutpat. Nam consequat diam nec leo rutrum tempus. Nulla accumsan eros nec sem tempus scelerisque. Morbi tincidunt risus magna, posuere lobortis felis. Donec at vehicula risus. Cras vel sollicitudin ipsum. Etiam tincidunt placerat enim, a rhoncus eros sodales ut.
Etiam tincidunt placerat enim, a rhoncus eros sodales ut.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur tincidunt mollis ante non volutpat. Nam consequat diam nec leo rutrum tempus. Nulla accumsan eros nec sem tempus scelerisque. Morbi tincidunt risus magna, posuere lobortis felis. Cras vel sollicitudin ipsum. Etiam tincidunt placerat enim, a rhoncus eros sodales ut.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur tincidunt mollis ante non volutpat. Nam consequat diam nec leo rutrum tempus. Nulla accumsan eros nec sem tempus scelerisque. Morbi tincidunt risus magna, posuere lobortis felis. Donec at vehicula risus. Cras vel sollicitudin ipsum.
Nam consequat diam nec leo rutrum tempus. Nulla accumsan eros nec sem tempus scelerisque. Morbi tincidunt risus magna, posuere lobortis felis.
Donec at vehicula risus. Cras vel sollicitudin ipsum. Etiam tincidunt placerat enim, a rhoncus eros sodales ut.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur tincidunt mollis ante non volutpat. Nam consequat diam nec leo rutrum tempus. Nulla accumsan eros nec sem tempus scelerisque. Morbi tincidunt risus magna, posuere lobortis felis. Cras vel sollicitudin ipsum. Etiam tincidunt placerat enim, a rhoncus eros sodales ut.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Curabitur tincidunt mollis ante non volutpat. Nam consequat diam nec leo rutrum tempus. Nulla accumsan eros nec sem tempus scelerisque. Morbi tincidunt risus magna, posuere lobortis felis. Donec at vehicula risus. Cras vel sollicitudin ipsum. Etiam tincidunt placerat enim, a rhoncus eros sodales ut.
Growing a bank isn’t some mysterious process that involves tea leaves and oracles. It’s more like building a house or tuning up a car’s engine, with a power tool for every step and a hand tool for every part you need to work on. Effective builders have a “franchise system”—the proven best way to do things that minimizes mistakes and maximizes results per hour spent.
The process begins with one crucial step: Find out what matters to your best customers, then build hundreds of Unique Selling Propositions (USPs) around those components and list them explicitly in your marketing materials.
Most banks focus on what they should do. That’s a good thing. But too few seriously evaluate what they are currently doing that has to stop. Awareness of the common characteristics of low-performing banks can keep you from falling victim to any of these practices before you join the group.
Let’s start with the first four:
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