The connection between a bank's financial performance and its day-to-day activities has a tendency to become blurred as busy senior managers get absorbed in long-term planning. If your bank's financial picture is not what you want it to be - or even if it is and you want it to stay that way - it's always good policy to review the basics of organizational management.

These fundamentals include the ability to attract, train, and motivate personnel - perhaps the most important attribute for any forward-thinking bank. Addressing the following three questions can lead to useful observations and establish a baseline for strategic planning.

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