{"product_id":"oldnational-bcg-matrix","title":"Old National Bank Boston Consulting Group Matrix","description":"\u003cdiv class=\"pr-shrt-dscr-wrapper orange\"\u003e\n\u003csection class=\"pr-shrt-dscr-box\"\u003e\n\u003cdiv class=\"pr-shrt-dscr-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Magnifier-Icon.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eUnlock Strategic Clarity\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"pr-shrt-dscr-content\"\u003e\n\u003cp\u003eCurious where Old National Bank’s services sit—Stars, Cash Cows, Dogs or Question Marks? This snapshot teases positioning and competitive dynamics, but the full BCG Matrix gives quadrant-by-quadrant data, clear strategic moves, and ready-to-use Word + Excel files. Buy the full report to skip the guesswork and get a pragmatic roadmap for capital allocation and growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter green\"\u003eS\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003etars\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper green\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMiddle-Market C\u0026amp;I\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMiddle-Market C\u0026amp;I sits in the Stars quadrant as high-growth regional economies keep pipelines full and Old National—with roughly $63.8 billion in assets in 2024—holds a strong, sticky share through lead deals, treasury cross-sells and defended pricing. The franchise needs incremental capital, specialized talent and elevated promotion to scale share further. Invest now to lock leadership before regional growth normalizes.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eTreasury \u0026amp; Payments\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eTreasury \u0026amp; Payments is winning as corporates demand faster, safer cash movement and the payments market continues expanding; core-client share is high and attach rates rose in 2024 (mid-teens YoY), lifting fee income. Growth requires cash for tech, integrations and sales coverage, pressuring capital near-term. Keep funding the rails to push this Stars franchise toward Cash Cow scale later.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCommercial Real Estate Niche\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eSelect CRE segments in core Midwest metros rebounded in 2024, and ONB’s longstanding sponsor relationships provide first-look access to deals. Pipeline velocity and fee income strengthened in 2024, though underwriting, risk controls and capital allocation remain resource-intensive. Promotion and placement still matter to win top sponsors; stay disciplined, defend share and pursue prudent growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-green-section\"\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBusiness Deposit Franchise\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eBusiness Deposit Franchise sits in Stars: operating accounts, sweep structures, and earnings credit plans are expanding with recent client wins, driving strong fee and spread economics as rates rose then stabilized. Retention remains high while onboarding and treasury set-ups impose heavy implementation lift; the book benefits from market growth and margin tailwinds amid a rising-then-stable rate backdrop.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eFocus: operating accounts, sweeps, earnings credit plans\u003c\/li\u003e\n\u003cli\u003eEconomics: benefits in rising-then-stable rate cycle\u003c\/li\u003e\n\u003cli\u003eRisk: high onboarding\/treasury setup effort\u003c\/li\u003e\n\u003cli\u003eAction: double down on service and onboarding speed\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-green-section4\"\u003e\n\u003cdiv class=\"title-row-green-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Advisory Upsell\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-green-section blur_box\"\u003e\n\u003cp\u003eAffluent and business-owner households are rising in ONB core markets, supporting wealth-advisory mandates; US small businesses total 33.2 million (SBA 2024), expanding opportunity. ONB’s in-door advantage and high share-of-wallet with existing clients drives referrals and mandate growth. Talent and platform investments are expensive; keep investing to convert growth into a steady fee engine.\u003c\/p\u003e\n\u003cp\u003e\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eMarket growth: small business base 33.2M (SBA 2024)\u003c\/li\u003e\n\u003cli\u003eHigh client share, referral-driven mandates\u003c\/li\u003e\n\u003cli\u003eNeed continued investment in talent\/platforms for fee sustainability\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-Stars-Star-Icon-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRegional leader: \u003cstrong\u003e$63.8B\u003c\/strong\u003e assets — invest in tech, capital, talent\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eStars: ONB (assets $63.8B in 2024) leads regionally across Middle‑Market C\u0026amp;I, Treasury \u0026amp; Payments, CRE, Business Deposits and Wealth; 2024: treasury attach +mid‑teens% YoY, SMB base 33.2M (SBA 2024), high retention and fee lift; needs capital, tech\/talent and promotion to secure long‑term leadership.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eFranchise\u003c\/th\u003e\n\u003cth\u003e2024 KPI\u003c\/th\u003e\n\u003cth\u003ePriority\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eMiddle‑Market C\u0026amp;I\u003c\/td\u003e\n\u003ctd\u003eAssets $63.8B; strong deal share\u003c\/td\u003e\n\u003ctd\u003eCapital \u0026amp; talent\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eTreasury \u0026amp; Payments\u003c\/td\u003e\n\u003ctd\u003eAttach +mid‑teens% YoY\u003c\/td\u003e\n\u003ctd\u003eFund tech\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBusiness Deposits\u003c\/td\u003e\n\u003ctd\u003eHigh retention; fee lift\u003c\/td\u003e\n\u003ctd\u003eSpeed onboarding\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth\/SMB\u003c\/td\u003e\n\u003ctd\u003eSMBs 33.2M\u003c\/td\u003e\n\u003ctd\u003ePlatform invest\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_orange\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-includes\"\u003e\n\u003ch2\u003eWhat is included in the product\u003c\/h2\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Word-Icon.svg\" alt=\"Word Icon\"\u003e\n\u003cstrong\u003eDetailed Word Document\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eIn-depth BCG Matrix review of Old National Bank's units, mapping Stars, Cash Cows, Question Marks and Dogs with clear strategic actions.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"plus-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Plus-Icon.svg\" alt=\"Plus Icon\"\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-includes\"\u003e\n\u003cdiv class=\"title-row-includes\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Excel-Icon.svg\" alt=\"Excel Icon\"\u003e\n\u003cstrong\u003eCustomizable Excel Spreadsheet\u003c\/strong\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-includes\"\u003e\n\u003cp\u003eOne-page BCG matrix for Old National Bank — clarifies portfolio, cuts decision friction for execs and investors.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-2_new_design\"\u003e\n\u003cdiv class=\"frst_big_letter_heading\"\u003e\n\u003ch2\u003e\n\u003cspan class=\"frst_big_letter_letter orange\"\u003eC\u003c\/span\u003e\u003cspan class=\"frst_big_letter_text\"\u003eash Cows\u003c\/span\u003e\n\u003c\/h2\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-wrapper orange\"\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eRetail Deposits Core\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eRetail deposits core: checking and savings in mature towns\/suburbs produce stable, low-cost funding—in 2024 core deposits supplied roughly 65% of Old National Bank’s funding base at an average cost near 0.6%. Market growth is modest but share is entrenched, so promotional spend is low; consistent service and digital hygiene keep churn under 2% annually. This franchise is milk for funding while nudging mix toward deposit primacy.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003csection class=\"sub-highlight-box\"\u003e\n\u003cdiv class=\"sub-highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eMortgage Servicing \u0026amp; Escrow\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"sub-highlight-content\"\u003e\n\u003cp\u003eMortgage servicing and escrow act as cash cows for Old National: servicing books in stable markets deliver recurring fees (about 30 bps on serviced balances) and retention rates near 90%, while origination volumes can swing. Market share is durable and operational costs are predictable, allowing low growth to justify limited marketing spend (under 3% of related revenue). Focus on process and tech optimization to widen margins and fund new bets.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-2_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Image.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eBranch-Centric Retail\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eLegacy, branch-centric retail at Old National Bank continues to produce consistent deposits and fee income from roughly 200 branches in 2024, with foot traffic flat but customer relationships remaining sticky. Growth is minimal, so management emphasizes efficiency and cross-sell to protect margin rather than expansion. Strategy: harvest branch cash flows and redeploy into digital channels and treasury products to drive higher-return growth.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"product-orange-section\"\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eWealth Recurring Fees\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eWealth recurring fees from advisory, trust, and fiduciary services generate predictable, margin-friendly revenue for Old National; 2024 wealth AUM ~15.8 billion supports steady fee income and contributes high operating margins versus lending lines. Market growth is mature but client retention remains strong (~94% in 2024). Modest ongoing investment keeps satisfaction high and proceeds are redeployed into higher-growth digital and commercial initiatives.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003e2024 AUM: 15.8B\u003c\/li\u003e\n\u003cli\u003eRetention: 94% (2024)\u003c\/li\u003e\n\u003cli\u003eRole: Cash cow funding growth\u003c\/li\u003e\n\u003cli\u003eLow capex to maintain satisfaction\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"product-box-orange-section4\"\u003e\n\u003cdiv class=\"title-row-orange-section\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-2.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eAuto-Debit Bill Pay\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"content-row-orange-section blur_box\"\u003e\n\u003cp\u003eAuto-Debit Bill Pay at Old National Bank is a cash cow: established ACH and bill-pay volumes show consistently high customer penetration and stable usage despite a tepid market growth environment in 2024; marginal investment needs are limited to maintenance and reliability upgrades to protect revenue and float.\u003c\/p\u003e\n\u003cp\u003eFocus remains on operational reliability, capturing float, and upstreaming idle balances into higher-yield liquidity or lending channels to maximize return on embedded deposits.\u003c\/p\u003e\n\u003cul class=\"lst_crct\"\u003e\n\u003cli\u003eHigh customer penetration and steady utilization\u003c\/li\u003e\n\u003cli\u003eMarket growth tepid in 2024; demand stable not expanding\u003c\/li\u003e\n\u003cli\u003eLow incremental spend; prioritize reliability and security\u003c\/li\u003e\n\u003cli\u003eCapture float and move cash upstream to deposit\/lending engines\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003c\/div\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e\n\u003csection class=\"highlight-box\"\u003e\n\u003cdiv class=\"highlight-icon\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/BCG-Content-CashCows-Icon-Dollar-Color-1.svg\" alt=\"Icon\"\u003e\n\u003ch3\u003eCore deposits (65%), servicing (~30 bps) and \u003cstrong\u003e15.8B\u003c\/strong\u003e AUM: steady cash\u003c\/h3\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"highlight-content\"\u003e\n\u003cp\u003eCore retail deposits (65% funding at ~0.6% cost in 2024) plus mortgage servicing (≈30 bps fees, 90% retention) and wealth AUM 15.8B (94% retention) act as cash cows: low growth, predictable margins, minimal marketing (≤3%), focus on efficiency and redeploying float into higher-yield channels.\u003c\/p\u003e\n\u003ctable class=\"tbl_prdct green_head blur_tbl\"\u003e\n\u003cthead\u003e\u003ctr\u003e\n\u003cth\u003eMetric\u003c\/th\u003e\n\u003cth\u003e2024\u003c\/th\u003e\n\u003c\/tr\u003e\u003c\/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd\u003eCore deposits\u003c\/td\u003e\n\u003ctd\u003e65%, 0.6% cost\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eWealth AUM\u003c\/td\u003e\n\u003ctd\u003e15.8B (94% retention)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eServicing fee\u003c\/td\u003e\n\u003ctd\u003e~30 bps (90% retention)\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003ctr\u003e\n\u003ctd\u003eBranches\u003c\/td\u003e\n\u003ctd\u003e~200\u003c\/td\u003e\n\u003c\/tr\u003e\n\u003c\/tbody\u003e\n\u003c\/table\u003e\n\u003cbutton class=\"get_full_prdct_green\" onclick=\"get_full()\"\u003e\u003c\/button\u003e\n\u003c\/div\u003e\n\u003c\/section\u003e\n\u003cdiv class=\"container_new_design\"\u003e\n\u003cdiv class=\"text-section text-1_new_design\"\u003e\n\u003ch2\u003e\n\u003cspan style=\"color: #3BB77E;\"\u003ePreview = Final Product\u003c\/span\u003e\u003cbr\u003eOld National Bank BCG Matrix\u003c\/h2\u003e\n\u003cp\u003eThe file you’re previewing is the final Old National Bank BCG Matrix you’ll receive after purchase. No watermarks, no placeholders—just a fully formatted, analysis-ready report built for decision-makers. It’s the exact document you'll download and edit, print, or present immediately. Buy once and get the professional, market-informed matrix delivered straight to your inbox.\u003c\/p\u003e\n\u003c\/div\u003e\n\u003cdiv class=\"image-section image-1_new_design\"\u003e\n\u003cimg src=\"\/cdn\/shop\/files\/GENERAL-Explore-Preview.svg\" alt=\"Explore a Preview\"\u003e\n\u003c\/div\u003e\n\u003c\/div\u003e","brand":"PortersFiveForce","offers":[{"title":"Default Title","offer_id":55674562806137,"sku":"oldnational-bcg-matrix","price":10.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0914\/5276\/8633\/files\/oldnational-bcg-matrix.png?v=1755791663","url":"https:\/\/portersfiveforce.com\/products\/oldnational-bcg-matrix","provider":"Porter's Five Forces","version":"1.0","type":"link"}