Rate adequacy hidden by mix change erodes return on capital by directing growth and capital into segments whose rate environment is deteriorating. Learn how to quantify the return-on-capital impact of mix-distorted rate signals.
Rate adequacy hidden by mix change creates a governance blind spot where the board believes the portfolio is priced adequately while segment-level rate deterioration erodes profitability. Learn how to ask the governance questions that surface the mix-change masking effect before it drives strategy.
The CUO needs a decision framework that uses segment-level rate-adequacy signals, not aggregate metrics distorted by mix change. Learn how to build the framework that governs portfolio strategy on reliable rate data.
Rate adequacy hidden by mix change is the silent driver of executive risk—when portfolio growth masks rate inadequacy, the CUO and CEO are governing a profitability signal that no longer reflects the underlying risk. Learn how mix change obscures true rate adequacy.