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All banks, both private and public, enjoy two types of returns – current income (which is typically measured quarterly) and long-term capital appreciation, which is measured both as the growth in book value as well as the market value of the enterprise, which typically gains a franchise value premium. Analysis by Steven Alexopoulos of JPMorgan Securities shows that, over time, the three most successful paths to yield franchise value premiums are: • Organic growth •…

Nick Miller is founder and President of Clarity Advantage, a boutique consulting firm that supports bank and banker efforts to attract and develop deeper relationships with small businesses through strategy, social media content, training, and coaching. His Weekly Sales Thought stories and a host of other articles and videos are available in Clarity’s Knowledge Center. Many banks have pronounced: “We want our branches to be advice centers and our relationship bankers to be our clients’…

BPNL took the country – indeed, the world – by a storm.  It is one of the big winners of the COVID era, where so many consumers were forced to buy essentials online vs. in stores.  One can hardly buy anything online without being offered the beautiful option of paying for the purchase in four equal installments.  This occurs regardless to the amount of the purchase, and the interest rate is buried in the payment…