ABA Banking Journal 5/08 - (Page 3) Banking JOURNAL Vol. C, No. 5 May 2008 www.ababj.com ABA CONTENTS DEPARTMENTS BRIEFING Online lending circles hit circuit breaker. . . . . . . 7 Person-to-person lending is a radical concept that raises competitive, credit, and banking regulatory issues as it grows in the U.S. But could securities regulation trump all of these and uproot this financial seedling? By Orla O’Sullivan Snapshot: efficiency ratios take a hit . . . . . . . . . . . . . . . . . . . . . . . 8 Letters: “Excessive fees make us all look bad” . . . . . . . . . . . . . . . . . . . 10 100th Anniversary: Then & Now . . . . . . . . . . 12 When deposit insurance was verboten FEATURES COVER STORY Strictly by the book . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 By Steve Cocheo. Push across state boundaries and grab for share. Wheel and deal for every buck. And don’t get caught in the middle ground between megabanks and community banks. To all such conventional wisdom, San Antonio’s Cullen/Frost Bankers, Inc., won’t bow. TOP 25 BIG BANKS Banking’s top performers… . . . . . . . . . . . . . . . . . . . 34 By Vanessa Mambrino. 2007 began as the best of times and ended as the worst of times. Yet the top-performing banks over $3 billion still managed to excel. Three winning strategies made the difference for the top 25. Ranking of all large banks/thrifts on www.ababj.com PAYMENTS B2B: “Paper-free” soon? Ever?. . . . . . . . . . . . . . . . . . . 40 By Lauren Bielski. For years the payment business promised —but failed—to remove paperwork from the supply chain. Will NACHA’s new work in B2B and SWIFT’s efforts to “go direct” push paperless over the threshold? ABA RESOURCES . . . . . . . . . . . . 15 COMMUNITY BANKING Handling people in a “mixed up” office. . . . . . . 18 Experts will tell you how to handle employees from this generation, or from that one. But they never recognize the CEO’s real challenge: handling them all at the same time. A banker roundtable explores multigenerational management. RETAIL BANKING: IN-BRANCH MARKETING Do DCNs make a difference?…. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 44 By Steven Keith Platt. Digital communication networks support custom messaging and graphic displays that help sell your bank, while easing customer waits. Exclusive test results from a large branch-bank installation. ON ABABJ.COM Have you seen our latest web exclusives? Podcasts? Wal-Mart buster Michael Bergdahl and analyst Dick Bove headline ABA BJ podcasts TECH TOPICS E-Project management. . 47 What started on paper has evolved to an ecosystem of tools and methods that can help you keep your environment in line. Why this mature discipline matters more than ever. COLUMNS Editor’s Column . . . . . . . . . . . . . . . . .4 They’ve got connections ABA Chairman’s Position . . . . . . .16 CEOs can show the way with compliance training Banker’s Mart . . . . . . . . . . . . . . . . . .51 To advertise/Index of advertisers . . . .52 The Economy . . . . . . . . . . . . . . . . . . .56 Will housing tremors shake commercial real estate? By Mark Vitner and Anika Kahn COMPLIANCE CLINIC Mailbox. . . . . . . . . . . . . . . . . . . . . . . 50 Tips about handling HMDA, EFT, HELOC, and other alphabet soup ingredients. Coming in June’s print and digital magazines… • Measuring customer engagement • Attacking medical-plan costs • Community bank stars’ winning strategies • Wealth management trends Subscribe at www.ababj.com ABA BANKING JOURNAL/MAY 2008 3 http://www.ababj.com http://www.ababj.com http://ABABJ.COM http://www.ababj.com
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