Proprietary PwC data and analysis identify the most impactful efficiency ratio drivers for regional banks and pinpoint how to improve performance and growth.
Banks are striving to improve their performance and efficiency ratios, with mixed results. Across-the-board cost cutting can appear to be an easy lever to pull — but that risks impairing growth and differentiation. Investing in agility and talent remains necessary but can be difficult to sell internally given investor expectations.
Given those constraints, bank leaders want to take actions that will have the highest positive effect on the efficiency ratio. Our proprietary analysis of the leading factors that drive the efficiency ratio aims to help leaders understand the tradeoffs and make better-informed decisions on how to improve their cost of funds, deposit and fee mix, employee productivity and back-office expenses.
Discover effective strategies for banks to expand their market share in the small business sector. Enhance customer experience, offer tailored financial solutions, and leverage technology for efficient operations.
In 2025, banking and capital markets companies must be bold, work to fix regulatory deficiencies, and leverage data and GenAI.
