Levy says that for corporate loan originators, analysis of the pricing or vetting of any potential corporate loan can now be viewed within the broader context of the bank's portfolio. He says different sectors respond differently based on type of economic shock, and those differences must be taken into consideration. "That originator can [be required to account for greater risk] if that loan creates exposure to an industry that's risky. That kind of analysis is pretty encouraging, because it recognizes, at the point of origination, the issues that we went through during the crisis," Levy says.
Wells Fargo (WFC), Bank of the West and Umpqua (UMPQ) are among the banks scaling down branches and eliminating teller windows. Here's a photo sampling of branch concepts that do away with the need for larger real estate.
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