fms conference profitability and efficiency larry hutt managing director consulting professional services confidential proprietary 2004 metavante corporation 10 07 2 agenda revenue enhancement growth improvement performance management 3 4 non interest income this growing loss directly impacts your bottom line 254 million 136 in bank fee due to direct debits online bill payment lockbox 5 years a 46 projected 2002 2007 source celent 2003 role of high performing banks consistently excel the generation exceeding 0 earning assets 1 traditional commercial loan demand has dropped by nearly 20 three clearly have been seeking revenues elsewhere service charges on deposit accounts represent 70 all much which is made up overdraft fdic quarterly banking profile tower group 6 od