PT dominates the Earnings Enhancement Advisory market for Credit Card and Retail Credit. PT has developed Value Creation StrategiesTM that have created hundreds of millions of pounds for institutions around the globe, ranging from the largest institution to the smallest issuers. In doing so, PT has reviewed in excess of 150 million credit card accounts.
Enhancement areas include: Operations, Marketing, Credit and Collections
Engagement Activities:
- Product Line Evaluation and Analysis
- Competitive Comparisons
- Profitability Audit of Systems
- "Hidden Profits"
- Marketing Opportunities
- Optimising Processing Routines
- Review of Fee Collection Practices
- Interest Calculation Methods
Engagement Results:
- Improved Net Interest Margin/Net Interest Income
- Increased Revenue/Gross Active Account
- Increased Average Balances
- Increased Non Interest Income
- Reduced Net Operating Expense
- Improved Efficiency Ratio
- Improved Customer Satisfaction
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