In part one of our series on Budget Season for Banks, we discussed the importance of reviewing the past year in marketing. What did you spend, how much, and what was the return on investment? What processes could be improved, and what tools do you need to accomplish your goals? The key to moving forward, is to look back at what worked, and what should be benched. Once you have reviewed your year, it’s easier to allocate budget to high performing initiatives and the tools needed to execute them.