Date of Award


Document Type


Degree Name

Master of Business Admin


Business Administration

First Advisor

Dr. James A. Schweikart


Deregulation of the financial services industry has created a need for management to adapt a different approach to operations. Drastic regulatory and environmental changes have forced thrifts and banks to concentrate on increasing efficiency and core profitability from the retail branch network. Once considered to be highly bureaucratic, financial institutions are trimming back off ice review and focusing on a more decentralized leaner operation. Expensive mergers and large conglomerate financial powerhouses have created a need for increased management controls and reasonable methods of measuring the true profitability of the individual business units within a financial services company.