Banking used to be easy. But what once was a simple business where money came in at one rate, was lent out at another, and where not much changed from year to year, is now engulfed in change.

Just consider the scope and impact of changes in competition, mergers and acquisitions, regulation, customer needs and perceptions, and the makeup and demands of the work force, and you can see that change in today's business environment is dramatic and wide ranging, and it's a struggle.

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