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Filter banks are efficient and essential signal processing blocks for design and implementation of multi-rate multi-band communications and signaling. In this paper we analytically study and derive the optimum choice of design parameters and filter bank structure to minimize power consumption and implementation cost for a programmable multi-rate transmit filter bank for OFDM. The optimization is performed on two fronts. We first perform system-level power and complexity analysis to define the optimum choice of filter parameters. Then through a hardware-level optimization, an efficient filter bank structure is introduced that results in at least a factor of 4 power reduction and also a complexity reduction from 6.95GOPS to 1.73GOPS for the multi-rate filter bank over the baseline design.