Consumer Bank Expansion

German Consumer Bank


This German Consumer Bank subsidiary of a major International Financial Services Company was underperforming versus its peer group in new revenue generation and efficiency rating. The parent requested The LoBue Group to conduct a Bank wide BPR program with focus on productivity improvement and volume growth.


Centralize all in-Branch operations and service functions and re-orient branches as sales outlets. Re-engineer all support functions for efficiency. Improve loan cycle times to be best in country.


Overall, the program goals in efficiency, service and sales were exceeded

  • Program produced a 21.5% reduction in staff and associated expenses
  • New loan volumes increased by over 15% in first year.
  • Cycle time for new loans decreased from over 10 days to 3 days, achieving “Best in Class” performance.
  • Efficiency rating improved from below peer group to top quartile.