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Medium Growth Strategy Revenue Analysis M&A

Apogee Bank

#Services #Financial Services #Banking
ProHub Comment

This case tests the candidate's ability to diagnose revenue decline through quantitative analysis of multiple exhibits, moving from identifying customer churn as the root cause to evaluating strategic growth options (partnership vs. acquisition). The case requires strong financial modeling skills and the ability to synthesize insights from customer survey data to recommend a specific M&A transaction.

Estimated Time 15 minutes
Difficulty Medium
Source ROSS
50 / 100
Our client Apogee bank, a regional bank with 700 branches in US Midwest, has seen a declining trend in revenues in the past 2 years. Blake Moran, the CEO of Apogee bank, hired you to identify the reasons for falling revenues and recommend ways to grow revenues.

Clarifying Information

  1. Apogee Bank offers checking and savings accounts, as well as personal, mortgage and auto loans.
  2. On the checking and savings accounts, Apogee bank makes money from service charges and account maintenance fees and earns interests on loans.
  3. Apogee bank provides services through both brick-and-mortar branches and online applications.
  4. The candidate doesn’t need to know any other information about the client’s business or the retail banking industry to solve this case. If the candidate asks for any more clarification at this point, reverse the question to ask why that specific information is needed for the case.