Q: How will your branch network be different in five years? John E. Smith, Executive VP, retail banking, Hibernia Corp. New Orleans

Generally, most banks are going to look different in five years, and Hibernia is no exception. The banking consumer will continue to see more automation of transaction services as well as more emphasis on needs-based selling of all financial service products. The average banking office will offer more self-service capabilities for transaction processing and will be staffed by highly skilled sales professionals. The number of "full-service" banking locations will decline. However, there will be many more convenient points of sale and/or service than exists today.

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