The Earnings Enhancement Program for Consumer and Commercial Banking applies PT's proprietary collection of Value Creation Strategies to a multitude of areas and functions and is designed to enhance earnings while maintaining a Client's competitiveness within the marketplace.

Enhancement areas include:  Retail Banking, Account Analysis, Corporate Systems, Small Business Banking, Consumer and Commercial Lending, Cash Management, Depository Activities, Float, General Operations, Retail Delivery Systems and Treasury Activities.

Engagement Activities:

• Revenue Optimisation
• Balance Sheet Optimisation
• Optimising Item Processing and Float
• Review of Treasury Activities
• Business Process Reengineering
• Product Line Evaluation
• Lending Analysis

Engagement Results:

• Increased Core Deposits
• Increased Investable Funds
• Increased Average Loans
• Increased Interest Income
• Increased Non-Interest/Fee Income
• Increased Net Operating Revenue
• Improved Efficiency Ratio
• Reduced Interest Expense
• Reduced Non-Interest Expense
• Reduced Non-Earning Assets
• Improved Customer Satisfaction

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