ABA Banking Journal - October 2008 - (Page 3)

Banking JOURNAL Vol. C, No. 10 October 2008 www.ababj.com ABA CONTENTS DEPARTMENTS BRIEFING FAN/FRED FALLOUT • A banker’s view of FHA’s “Hope for Homeowners” program . . . . . . . . . . . . . . 7 What you must know now about the new federal anti-foreclosure effort. By Bill Streeter • Covered bonds gain interest after GSE takeover . . . . . . . . . . . . 12 How this successful European tool can help U.S. rebound. By Jerry Marlatt ••• FEATURES COVER STORY: RETAIL BANKING REPORT Rethinking segmentation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 26 By Stephen Onufrey and Howard Moskowitz. Common sense tells you that no two customers will react to what’s in your branch in exactly the same way. But predicting who will like a new service requires a look at a customer’s self-service style and situational objectives. Research from two industry experts offers surprising findings on engineering a banking experience that resonates. Still pushing the envelope . . . . . . . . . . . . . . . . . . . . . . 36 By Lauren Bielski. For Umpqua Bank CEO Ray Davis, an out-of-the-box retail banker, culture and empowerment are what have made the Oregon-based bank consistently successful, not its offbeat branch designs. Snapshot: Branch sales sag to ten-year low . . . . . . . . . . . . . . . . . 8 By Maria Tor Remembering Joe Kizzia, veteran editor of ABA Banking Journal . . . . . . . . . 63 100th Anniversary: Then & Now . . . . . . . . . 64 Late-’60s saw the birth of that long-lasting favorite—Reg Z. D.C. DIALOGUE Keep regulation functional . . . . . . . . . . . . . . . . . . . . . . 42 By Ed Blount. It’s legislative karma: As a congressman, Christopher Cox helped pass Gramm-Leach-Bliley—as SEC Chairman, Cox had to sort out implementation of Reg R. In an interview, Cox holds forth on the roles of the SEC and the Fed. ABA RESOURCES . . . . . . . . . . . . 15 COMMUNITY BANKING Hot, web, and green . . . . . 18 Internet deposits may be “hot,” but a new auction site and two additional thirdparty, internet-based services just might show you the money. By Steve Cocheo BASEL IMPACT Capital windfall? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 46 By Geoffrey Rubin and William Nayda. A majority of banks could see reduced capital requirements under the optional Basel II Standardized Approach. Some, however, would be required to hold more capital. Here’s why. WEB EXCLUSIVES ON ABABJ.COM • Understanding the “digital native” • In the “Talking Credit” blog: credit committees; CRE exams TECH TOPICS Mortgage IT: Not this year’s hot property . . . . 54 What types of technologies will sell now that lending is on the slow track? By Lauren Bielski Case in Point: Looking for sales in all the right places. . . . . . . . . . . . . . . . . 56 COLUMNS . . . . . . . . . . . . . . .4 P.T. Barnum capitalism Editor’s Column Banker’s Mart . . . . . . . . . . . . . . . . . .60 To advertise/Index of advertisers 62 [“The Economy” appears this month in the Digital Magazine, p 64a, www.ababj.com] ABA Chairman’s Position COMPLIANCE CLINIC Put your BSA/AML program into shape. . . . . . . . . . . . . . . . . . . . . . 58 Common sense plus hard work makes a beginning. By Steve Cocheo . . . . .15 Our competitors just won’t take “no” for an answer Coming in November’s ABA BJ — 100th Anniversary Special Issue • Profile of incoming ABA Chairman Arthur Connelly • Paul Volcker, Dick Kovacevich, Ed Yingling, Jim Culberson, Bill Isaac, Walter Shipley and a CEO panel discuss historic issues, current trends, and banking’s future Mailbox. . . . . . . . . . . . . . . . . . . . . . . 59 Subscribe at www.ababj.com ABA BANKING JOURNAL/OCTOBER 2008 3 http://www.ababj.com http://www.ABABJ.COM http://www.ababj.com

Table of Contents for the Digital Edition of ABA Banking Journal - October 2008

ABA Banking Journal - October 2008
Contents
Editor’s Column
A Banker's View of FHA's "Hope for Homeowners" Program
Snapshot: Branch Sales Sag to Ten-Year Low
Covered Bonds Gain Interest after GSE Takeover
ABA Chairman’s Position
ABA Resources
Hot, Web, and Green
Rethinking Segmentation
Still Pushing the Envelope
Keep Regulation Functional
Capital Windfall?
Mortgage IT: Not This Year's Hot Property
Case in Point: Looking for Sales in All the Right Places
Put Your BSA/AML Program into Shape
Mailbox
Banker’s Mart
To Advertise/Index of Advertisers
Remembering Joe Kizzia, Veteren Editor of ABA Banking Journal
100th Anniversary: Then & Now
The Economy

ABA Banking Journal - October 2008

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