In Search of a Profit: As Return on Credit Card Assets Continues to Slip, Issuers Must Position for 2018

Lower return on assets means a softening in revenue, profitability and shareholder return.

The Federal Reserve Board’s annual Report to Congress on Credit Card Profitability of Depository Institutions, June 2017, indicates the lowest return on assets rate in seven years. In this ForeSight report, Mercator Advisory Group recommends nine critical credit policy actions that issuers should consider in their business strategies.

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If you find this piece of interest and would like to explore this issue further, possible proprietary project work could be done to examine questions like these:

  • Which data and analytic approaches can help address account underwriting?

  • How can we evaluate infrastructure weaknesses to limit risk?

  • What are the most profitable strategies to capitalize on the current account acquisition environment?

  • How can we best invest in collections and recoveries infrastructure?

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