Retail Bank Growth

Case Study Intro

Over the past few years, our client, a retail bank, has gone from one bank in one state to eight banks in eight states. Although some of the banks are profitable, the company as a whole is losing money. Specifically, four individual banks are losing money.

All of the eight banks are operated autonomously. Through expansion, the bank has increased its customer base almost tenfold, but its costs per customer have also increased substantially.

Remember that under current banking regulations, you have to operate banks in different states as autonomous units.

How would you analyze this problem?

Capital One Interview Tips

What does Capital One look for?

A high degree of comfort with numbers/quantitative analysis, and familiarity with the financial services industry.