Key Leadership Strategies for Growth, Profitability & Retention

The most important ingredient in profitable growth comes from the loan portfolio. Without an increase in quality loans, properly underwritten and priced, it is nearly impossible to generate profitable growth. This webinar will focus heavily on this principle. However, participants will be cautioned not to think in a vacuum. As an example, additional loan growth affects funding, liquidity, the allowance for loan and lease losses, capital, the need for personnel, etc. This program will also delve into ratio analysis and see how small improvements over time will have an impressive impact on profitability and shareholder value. Finally, it will address how the return on equity (therefore, shareholder value) can increase without an increase in net profit.

Recorded Tuesday, October 27, 2015

Continuing Education: Attendance verification for CE credits upon request


  • Growing the loan portfolio
  • Effectively pricing loans based on a return on equity – a simple model will be provided
  • Developing funding strategies for core deposits, FHLB debt, Internet CDs, brokered deposits
  • Building relationships with customers
  • Taking a deep look at infrastructure (people, buildings, systems)
  • The growing importance of technology
  • Maintaining capital for growth and risk
  • How to complete a ratio analysis to determine potential for profit improvement
  • The relationship between the equity/asset ratio and return on equity

    • Example of methodologies to:
      • Determine the loan rate to realize a return on capital allocated for the loan
      • Analyze the impact of your bank ratios
      • Determine capital needed to maintain capital adequacy
      • Compare the return on equity based on differing capital/asset ratios
    • Employee training log
    • Quiz you can administer to measure staff learning and a separate answer key


This informative session is for future bank leaders. It will also benefit directors, lending officers, ALCO members, and other officers focused on profit improvement.


Webinar content is subject to copyright and intended for your individual financial institution’s use only.