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Branch Profitability Part2 and Customer Requirements
What is branch profitability in the context of retail banking?
Branch profitability refers to the net financial contribution of an individual bank branch after accounting for all income earned and costs incurred, including allocated overheads.
What is the concept of 'revenue per customer' in branch profitability measurement?
Total branch revenue divided by number of active customers served.
Which income components are typically included in a branch's income statement?
Branch income includes interest income on advances, fee-based income, commission, forex earnings, and income from other services like locker charges.
What is the difference between direct and indirect costs in branch profitability analysis?
Direct costs are branch-specific; indirect costs are allocated from head office.
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