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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