Excel Tips: Go To Special

Excel Tips

In the early days of electronic spreadsheets when the interface was primitive and navigation was much more difficult than today, Excel had a handy command called Go To, activated by function key F5.  Go To did exactly…

Excel Tips: Average Logic

Excel Tips

Excel Tip Average Logic

Our last installment we discussed the logical-mathematical functions SUMIF and COUNTIF.  Here we continue that discussion with the functions AVERAGEIF

Banking Industry Myths, Part 5: Customer Behavior is Key

Dan's Blog In the first four parts of this series we showed that two popular banker’s Rules of Thumb are myths that will misinform and mislead management’s decision making. We tested these Rules of Thumb using data from the sophisticated customer profitability management system this author installed at one mid-sized Credit Union, which used advanced ABC costing techniques and monthly transactions by customer.

Excel Tips: Functional Logic

Excel Tips

Functional Logic

In the last two blog posts we discussed the logical…

Banking Industry Myths, Part 4: Profitable Without Loans?

 In my last post, we started looking at the banker’s Rule of Thumb that the larger the loan balances carried by a customer the more profitable is that customer.  The chart displayed in that last post, based on customer profitability management information from a mid-sized Credit Union, tended to bear this out, particularly for customers with loan balances exceeding $300k.  However, there are only…

Banking Industry Myths, Part 3: Loan Balances


In Part 1 and Part  2 of this blog we dispelled the banker’s old Rule of Thumb that the more financial products (accounts) owned by a customer the more profitable is that customer.  One take-away from rejecting this Rule of Thumb is that sales campaigns…

Banking Industry Myths, Part 2


The customer profitability management system at one mid-sized credit union provided a look at the Banking Industry’s Rule of Thumb that the more financial products (accounts) owned by a customer the more profitable is that customer.  See Alta Via’s blog Banking Industry Myths, Part 1.

In the prior blog, we showed that…

Banking Industry Myths, Part 1

Banking Industry Myths, Part 1

 Over the years practitioners in the Banking industry have developed Rules of Thumb to guide their everyday decisions.  These Rules of Thumb were based on general observations, anecdotal evidence, and high-level averaged financial…

Excel Tips: Complex Logic


Excel Tips

In our last article we discussed the basic logical function IF. We are going to build on that here by introducing the AND and OR functions, which…

Excel Tips: It’s Only Logical


Excel Tips

It is only logical to use logic in your Excel spreadsheets. In this installment, we discuss the basic logical function IF. Our next article will discuss using the functions AND and OR to build…

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