Diversified Banks
Case studies in diversified banks.
Bank of America — The Center and the Screen
On 16 July 2024, Bank of America (BofA) reported second-quarter results alongside continued growth in digital banking. Consumer Banking had 39.0 million active mobile users, and 53% of Consumer Banking sales were through digital channels. The bank also operated 3,786 financial centers. , slide 14. Read case
Citigroup Inc. — How Much “One Firm”?
In May 2026, Citigroup described five connected businesses—Services, Markets, Banking, Wealth and U.S. Consumer Cards—and a “one firm” approach to serving clients across them. The design put relationship teams, shared client information, referral processes and incentives around the full client relationship. Read case
Fifth Third Bancorp: When should the next Texas branches open?
On September 15, Fifth Third Bancorp said it planned to open 150 branches in Texas by 2029 and had identified more than 100 potential locations. Management described the initiative as applying a Southeast growth playbook to Comerica's established Texas franchise. The company characterized the initial marketing response as strong. Read case
JPMorgan Chase: How much flexibility should a $50 billion buyback authorization preserve?
On June 24, 2026, JPMorgan Chase’s board authorized a new common-share repurchase program of up to $50 billion, effective July 1. The company said management would determine the amount and timing; the authorization did not require the company to buy shares on a set schedule. Read case
KeyCorp — Where to Focus Relationship-Building Effort?
Imagine joining KeyCorp’s strategy team at the start of March 2024. The team is preparing its next review of customer and deposit priorities. Read case
PNC: How fast should the branch network grow?
On October 15, 2024, PNC Financial Services Group reported third-quarter results while the banking industry continued to adapt to digital service, higher deposit costs and changing customer expectations. Read case
U.S. Bancorp — Where Should the Next Customer Dollar Go?
On July 16, 2026, U.S. Bancorp reported second-quarter Consumer and Business Banking (CBB) revenue of $2.373 billion, essentially unchanged from a year earlier, and segment net income of $589 million, down 4.4%. The bank’s broader results were stronger: consolidated net revenue was $7.712 billion and net income attributable to U.S. Bancorp was $2.177 billion. Read case
Wells Fargo: allocating the next increment of customer capacity
When Wells Fargo's asset cap was lifted in June 2025, the bank regained room to grow its balance sheet. The company was pursuing that opportunity through several routes at once: digital products and customer acquisition, branch refurbishment and relationship capacity, and targeted expansion in Commercial Banking. Read case