From the Editor
As U.S. banking executives begin planning for next year, it is clear that they must prepare for a profoundly changed market — not a return to pre-recession conditions.
As shown in our cover story, “U.S. Banking, a Challenging Road Ahead,” the industry is heading into an era of restructuring and consolidation, yet with new growth possibilities.
Transformative cost reduction will be a top priority, as detailed in “Rebuilding Retail Banking.” Another priority is wining market share, as discussed in “Threading the Needle for Consumer Loan Growth.”
Middle market companies remain generally cautious, as detailed in “Prioritizing for Growth in Commercial Banking,” yet there is rising demand for advisory and treasury management services, as well as for loans in select industries and regions.
Meanwhile, there is upside in serving the larger needs of retiring Baby Boomer households, as discussed in “Wealth Management Strategies for Boomer Retirement.”
Overall, it is time for a deep re-examination of the strategies and skills that will be needed for a permanently changed market.
— Editor in Chief
Vol. 3 No. 2 | 2011
U.S. Banking: A Challenging Road Ahead
July 2011
Status quo strategies will exacerbate a growing industry disconnect with a permanently changed market. Winners will do the hard work of reinvention and restructuring.
Reconstructing the Retail Banking Business
July 2011
Retail Banks must transform their cost structures to combat new revenue realities. Major institutions that do not address this issue head-on will be at a severe disadvantage in this constrained market, and increasing their likelihood of being consolidated rather than consolidating others.
Prioritizing for Growth in Commercial Banking
July 2011
To grow in a market that is only partially recovered, commercial bankers will need a set of focused initiatives that match strengths with select opportunities.
Feature Contribution by Greenwich Associates
Commercial Customers: Coping with an Uneven Recovery
July 2011
In an uncertain market, winning commercial banks will use targeted strategies to win market share and serve customers more fully, especially in mergers and acquisitions.
Wealth Management Strategies for Boomer Retirement
July 2011
A tidal wave of retiring households will be seeking critical assistance in managing resources, presenting significant opportunities for responsive banks. Banks will need to extend their customer services to include retirement assets, and carve out an essential role in the boomer retirement market.
Efficiency, Growth and Risk: Striking a Critical Balance
July 2011
Over the last three years finance and risk managers have been focused on short-term management of credit, regulatory, and liquidity issues that resulted from the global recession that peaked in 2008. In 2011, these issues have been largely resolved or, at least, resolution is well underway and the appropriate actions known.
Threading the Needle for Consumer Loan Growth
July 2011
In elasticity-based pricing; cross-sell and account consolidation; and risk-adjusted returns, there are performance opportunities that can be realized next year.
Commentary
As seen in Banking Strategies
Pricing for Opportunity in Home Equity Lending
September 2011
Advanced pricing skills will be critical as home equity lenders compete for selective growth opportunities going into next year. Home equity lending will be a essential engine for revenue and asset growth in an overall tight market. But many lenders will forfeit opportunity if they confine themselves to traditional pricing practices.
As seen in Banking Strategies
The Customer Connection in Branch Productivity
June 2011
In the quest to improve branch staff productivity, sustainable arrangements can only be achieved through joint adaptations by banks and their customers.
Video
As Seen In The Wall Street Journal
Advisers Setting Up Shop in the Wrong Spots
August 2011
Location, location, location is a mantra in real estate, but isn’t on the minds of enough advisers, Novantas’s Wayne Cutler tells Dow Jones’s Jennifer Hoyt Cummings how heat map technology can help grow your business.
Feature
As seen in Banking Strategies
Fed Rule on Debit Interchange:
Partial Relief at Best
July 2011
Although the blow to debit interchange will be less than feared, banks still face the challenge of recasting the overall checking and retail payments line of business.
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