NEW YORK -- James M. McCormick contends the U.S. banking industry is enmeshed in a retail crisis that may well determine which companies survive the next round of consolidation.

President of First Manhattan Consulting Group, Mr. McCormick has been a driving force in developing a line of business management techniques for the banking industry. By melding technology and modern financial and statistical tools, Mr. McCormick maintains, banks can gain precise feedback on each distinct operation, enhancing capital allocation, competitiveness, decision-making, and performance.

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