Viewpoints: National/Global
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2009
Viewpoint: Communicate with Regulators to Build Trust
American Banker | Nov 13 In developing and maintaining a cooperative relationship with your regulators, there is one simple rule: A bank must establish trust.
Letter to the Editor: Put Preparedness Ahead of Profitability
American Banker | Nov 11
To the Editor:
The three-part series on the topic of what needs to be done with large banks makes a number of important points. That "too big to fail" is really a euphemism for "too big to manage" is spot on.
Viewpoint: Third Time's the Charm for Toxic Asset Solution
American Banker | Nov 6 Only by adopting an approach that does not fatally impair capital, provide a taxpayer-supported windfall or burden the already strained federal budget can we prevent another false start.
Viewpoint: Provide Value to Replace Overdraft-Fee Income
American Banker | Oct 30 With new value-rich products, including incentive checking and rewards programs, banks can successfully and quickly reinvent their revenue streams and expand revenue and market share.
Viewpoint: Bank Leadership Needs Detailed Review
American Banker | Oct 23 Instead of a top-down prescription for the global financial malaise, a more practical approach may be to downstream and focus reforms and accountability at the firm level.
Viewpoint: Times Have Changed; CEOs Must Do Same
American Banker | Oct 16 Since most companies are through the survival phase of the economic crisis, CEOs and senior managers would be wise to take advantage of the opportunity to reposition their businesses.
Viewpoint: High Potential in the Low-Income Sector
American Banker | Oct 14 Only simple products can be delivered at affordable prices to low-income people. At the same time, simplified products must incorporate risk reduction in creative ways.
Viewpoint: Martin on Retailing: Jobs Are Temporary; Failure Can Be, Too
American Banker | Oct 2 In our current business environment, it is understandable that many of our teams are having a bit harder time keeping a positive outlook. Remind them that setbacks and frustrations are normal.
Viewpoint: Bank of America Deserves Gratitude, Not Scorn
American Banker | Sep 30 Lewis and McColl built a great company. It pains me to see Ken Lewis raked over the coals for political purposes when he deserves gratitude for resolving two major problems he did not create.
Viewpoint: Build on Direct Deposit Partnerships
American Banker | Sep 25 Receiving income by direct deposit has several benefits and, more importantly, it enables more people to use the types of financial services that improve financial prosperity.
Viewpoint: Crisis Rooted in Data Issues
American Banker | Sep 23 The problem refers to the inability of regulators to observe the positions and trades of financial institutions and to aggregate such data for understanding exposures.
Viewpoint: A Fond Farewell to Seidman
American Banker | Sep 18 Bill Seidman's family and the leadership of the fine university he founded, held a memorial service celebrating the life and accomplishments of this remarkable renaissance man.
Viewpoint: Preparation Can Ease a Director Bankruptcy
American Banker | Sep 11 It is crucial that the bank get an early warning so that it can take reasonable steps to protect itself from the reputational and other risks that may arise from a public proceeding.
Viewpoint: New Challenges, But New Opportunities Too
American Banker | Sep 9 Banks must be open to new levels of innovation that will enable them to surpass customer expectations, grow strategically and manage risks, while reducing costs and complying with regulations.
Viewpoint: Crisis Response Lessons From the Past Decades
American Banker | Sep 4 We are not going back to Glass-Steagall or limited interstate branching. Clearly some regulatory consolidation is in order, and the proposed merger of the OTS into the OCC is a good first step.
Stress Test Profile: BB&T Corp.
American Banker | Aug 21 BB&T will be a bellwether of the performance of the U.S. banking sector and for when the worst is over for the credit markets generally.
Viewpoint: Foes of Consumer Agency Blind to Trust Problem
American Banker | Jul 29 The Consumer Financial Protection Agency is about correcting unfair practices, about a better-educated consumer and about rebuilding trust in financial services.
Viewpoint: Key Voices Missing in Loan Mod Discussion
American Banker | Jul 24 Unless key decision makers, like Tim Geithner and Shaun Donovan, are present, our foreclosure environment will not change that much and foreclosures will continue to rise.
