Category

Data & Reporting

4 insights

A curve showing noninterest expense as a share of net operating revenue at insured institutions, holding expense growth at 10 percent, falling from about 62 percent at flat revenue to about 52 percent at 18 percent revenue growth, and crossing today's share only when revenue also grows 10 percent.

The Fastest Growing Cost in Banking Is the One That Has No Owner

All other noninterest expense at insured institutions rose 14.7 percent over the year while salaries rose 6.6 percent. The line growing fastest is the one no executive owns, which makes it structural rather than a budgeting problem.
BankingData & Reporting
View Insight
A waffle grid of 100 accounts with two marked, showing a 30-day-plus delinquency rate of 1.7 percent against a loss rate of 0.54 percent and small ticket losses of 0.72 percent.

Delinquencies Fell Sharply and Losses Edged Up in the Same Month. Both Are True.

Equipment finance delinquencies over 30 days sat at 1.7 percent in June while the loss rate rose to 0.54 percent. Losses lag the delinquency that produces them, which makes monitoring cadence a credit control rather than a reporting task.
Specialty FinanceData & Reporting
View Insight
A curve showing dollars held outside production for every dollar in work in process, rising sharply as the work in process share falls, marked at the paper products figure of 10.4 percent where the ratio is 8.6 to one.

Paper Converters Hold Half Their Inventory in Raw Material and a Tenth in Production

Census data puts 51.7 percent of paper products inventory in materials and supplies against 10.4 percent in work in process. For made-to-spec production, that ratio is a statement about what happens before a job reaches the floor.
Specialized PackagingData & Reporting
View Insight
A labeled diagram of six stages from materials through cash, marking finished goods as the stage holding 51.8 percent of food manufacturing inventory against 6.8 percent in work in process.

Food Manufacturers Hold Half Their Inventory as Finished Goods. Only 7 Percent Is Actually Being Made.

Census data puts 51.8 percent of food manufacturing inventory in finished goods and 6.8 percent in work in process. The working capital is not tied up in production. It is tied up in everything that happens after production.
Consumer Packaged GoodsData & Reporting
View Insight
Keep reading

More from CXO Insights

Selected writing from the practice.

Start with the process that costs you most.

A conversation first. A structured assessment when it earns one. Or see what a discovery finds before you book anything.

Book a discovery call → See what a discovery finds