BottomLine banking: meeting the challenges for survival & success
Gespeichert in:
| Hauptverfasser: | , , |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Chicago, Ill. [u.a.]
Probus
1994
|
| Schriftenreihe: | A Bankline publication
|
| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | XXVII, 370 S. graph. Darst. |
| ISBN: | 1557383898 |
Internformat
MARC
| LEADER | 00000nam a2200000 c 4500 | ||
|---|---|---|---|
| 001 | BV019892815 | ||
| 003 | DE-604 | ||
| 005 | 20050912 | ||
| 007 | t | ||
| 008 | 050720s1994 d||| |||| 00||| eng d | ||
| 020 | |a 1557383898 |c : £ 27.50 |9 1-55738-389-8 | ||
| 035 | |a (OCoLC)29858366 | ||
| 035 | |a (DE-599)BVBBV019892815 | ||
| 040 | |a DE-604 |b ger |e rakwb | ||
| 041 | 0 | |a eng | |
| 049 | |a DE-M347 | ||
| 050 | 0 | |a HG1615.5 | |
| 082 | 0 | |a 332.1/068 |2 20 | |
| 084 | |a QK 300 |0 (DE-625)141640: |2 rvk | ||
| 100 | 1 | |a McCoy, John B. |e Verfasser |4 aut | |
| 245 | 1 | 0 | |a BottomLine banking |b meeting the challenges for survival & success |c John B. McCoy ; Larry A. Frieder ; Robert B. Hedges, Jr. |
| 264 | 1 | |a Chicago, Ill. [u.a.] |b Probus |c 1994 | |
| 300 | |a XXVII, 370 S. |b graph. Darst. | ||
| 336 | |b txt |2 rdacontent | ||
| 337 | |b n |2 rdamedia | ||
| 338 | |b nc |2 rdacarrier | ||
| 490 | 0 | |a A Bankline publication | |
| 650 | 4 | |a Bancos y banca - EE.UU | |
| 650 | 4 | |a Banques - Fusion - États-Unis | |
| 650 | 4 | |a Banques - Gestion - États-Unis | |
| 650 | 4 | |a Banques - Service à la clientèle - États-Unis | |
| 650 | 4 | |a Banques - Traitement des titres - États-Unis | |
| 650 | 4 | |a Préstamos bancarios - EE.UU | |
| 650 | 4 | |a Prêts bancaires - États-Unis | |
| 650 | 4 | |a Bank | |
| 650 | 4 | |a Bank loans |z United States | |
| 650 | 4 | |a Bank management |z United States | |
| 650 | 4 | |a Bank mergers |z United States | |
| 650 | 4 | |a Banks and banking |x Customer services |z United States | |
| 650 | 4 | |a Banks and banking |x Securities processing |z United States | |
| 650 | 0 | 7 | |a Bankbetriebslehre |0 (DE-588)4129045-8 |2 gnd |9 rswk-swf |
| 651 | 4 | |a USA | |
| 651 | 7 | |a USA |0 (DE-588)4078704-7 |2 gnd |9 rswk-swf | |
| 689 | 0 | 0 | |a Bankbetriebslehre |0 (DE-588)4129045-8 |D s |
| 689 | 0 | 1 | |a USA |0 (DE-588)4078704-7 |D g |
| 689 | 0 | |5 DE-604 | |
| 700 | 1 | |a Frieder, Larry A. |e Verfasser |4 aut | |
| 700 | 1 | |a Hedges, Robert B. |e Verfasser |4 aut | |
| 856 | 4 | 2 | |m HBZ Datenaustausch |q application/pdf |u http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=013216790&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |3 Inhaltsverzeichnis |
| 999 | |a oai:aleph.bib-bvb.de:BVB01-013216790 | ||
Datensatz im Suchindex
| _version_ | 1804133428425129984 |
|---|---|
| adam_text | Contents
List of Exhibits xiii
Sidebar Contributors xvii
Foreword, by James M. McCormidc
First Manhattan Consulting Group xix
Some Opening Remarks xxiu
Acknowledgments xxv
1 Paradigm Lost 1
Moving to Address the Performance Challenges 7
Market Value: The Key to Survival and Success 12
Manage Business Portfolio Mix as a
Key Strategic Variable 13
Pursue Mergers and Acquisitions
as a Source of Value 14
Awareness and Acceptance of the Changing
Banking Environment 16
Wrestle Successfully with Market Forces 16
Replace Cost Reduction with Cost Management 17
Rethink and Restructure Distribution Systems 17
Transform to Relationship Banking 18
Adopt New Credit Risk Management Approaches 18
Achieving the Desired Bottomline Impact 19
Management as the Critical Resource 20
The Bottomline as We See It 20
2 The Regulatory Forces of Change 23
A Historical Perspective of Banking Regulation 24
Price Deregulation: Unleashing Market Forces 25
Competing without a Competitive Cost Structure 27
Learning to Live in a Competitive Rate Environment 30
Product Deregulation:
Going Head to Head with the Nonbanks 32
Competing When You Are Not Really Sure How 39
A Traditional Profitability Equation
That No Longer Equilibrates 40
v
Viewing Product Deregulation as a Siren Song 41
Securities Underwriting: A Potential Profit Source? 42
Retail Investment Products—A Potential Panacea? 43
Insurance Battles: The Jury Is Still Out... 44
Real Estate Businesses—An Opportunity? 45
Toward a Permanent, Yet Flexible, Solution 46
Limiting Taxpayer Exposure via
a Narrow Core Bank 48
An Effective and Affordable Safety Net 49
Recent Regulatory Focus: Capital Adequacy 49
Regulatory Practices, Priorities, and Implications 50
The Challenge of Managing
Industry Restructuring 51
3 Consolidation as Part of the Solution 55
The Pace of Industry Consolidation 55
A Short History of Geographic Deregulation 60
The Evolving Nature of Interstate Banking 60
Micro Market Deregulation:
Branching Liberalization 61
Comparative Analysis:
North Carolina versus Illinois 63
Interstate Acquisition versus
Interstate Branching 65
Orderly Dissolution of the Thrift Industry 67
RTC Defies Comparison 69
Antitrust in the Consolidation Era? 70
Reagan: Bigness Is Not Bad 71
Evolution of Bush Policy 72
New Sources of Capital Opened Up to
Strengthen Balance Sheets 74
What Role Should Foreign Entities Play? 75
Consolidation Requires New Regulatory
Paradigms; and Vice Versa 79
The Strong Banks Get Stronger 80
4 Managing for Shareholder Value 83
Adopting a Shareholder Value Perspective 84
ROE: The Key to Building Shareholder Value 85
The Performance Hurdle:
A Bank s Cost of Equity 86
Cost of Equity Estimation:
The Capital Asset Pricing Model 87
Key to Performance:
Beating the Cost of Equity 88
Profitability, Growth, and Shareholder Value 88
Analyzing and Interpreting a
Bank s Market Value 90
The 1980s: A Decade of Value Destruction 91
vi Contents
Managing as If Shareholders Mattered 92
Defining the Bank s Portfolio Strategy 93
Opportunities for Methodological Debate 99
Case Illustrations of Bank Value Sources 100
Fifth Third 100
Bankers Trust 100
Wells Fargo 100
State Street 101
Case Study Implications 102
Is Portfolio Restructuring a Credible Strategy? 104
Aggressive Pursuit of Shareholder
Value Needed 107
Summing Up 107
5 The Consolidation Landscape:
Separating the Winners from the Losers 109
Origins of the Consolidation Movement 109
Evolution of Interstate Banking Laws 110
Nationwide Entry 111
Regional Reciprocity 111
National Phase in and Triggers 111
Interstate Merger Provisions 112
Current Status of Interstate Laws 114
The Fate of Regional Compacts 114
The Unfolding of Bank Consolidation:
Antitrust Policy 115
Thrifts Phase Out Under Control 115
Ultimate Status of Community Banks 116
Technological Considerations Raise
the Consolidation Stakes 117
The Emerging Banking Landscape 118
A New Set of Power Bankers 123
Where Does It Go from Here? 125
The Threat of Hostile Bank Takeovers 125
An Era of Cost Takeouts 128
The Next Wave of Mergers 129
Acquisitions as a Means of
Loan Portfolio Diversification 130
Merger of Equals:
The Good, the Bad, and the Nominal 131
Who WiU Ultimately Survive? 136
Surveying Today s Banking
Consolidation Landscape 138
The Southeastern Region 139
The Northeastern Region 141
The Midwest Region 143
The Western Region 146
A National Value Map 148
Looking Into Our Crystal Ball:
Strategic Survivors List 148
Contents vll
Probable Takeovers 150
Perhaps at a Decision Point 150
Strong Banks That May Not Choose to
Remain Independent 153
High Probability Survivors 154
Summing Up 155
6 Doing Deals and Merger Mechanics 157
Merger Fundamentals 157
Discounted Cash Flow 157
Book Value: Its Rote in Valuation 159
Dilution: The Focal Point of Bank Deals 160
Dilution Framework: Anomaly or Fallacy? 162
Pooling versus Purchase—
Buyer s Acquisition Accounting 163
Applicability of Purchase Accounting 164
In the Real World ... 166
Perspectives in Doing Bank Deals 167
Acquirer Point of View 167
Seller Point of View 168
Board of Director Framework 169
Is the Bank Merger Market Rational?
Examining the Evidence 172
The Early Experience 173
The Second and Third Merger Waves 173
Interstate versus Intrastate Bank Deals 178
Does the Size of the Deal Matter? 179
Method of Payment 179
Evidence on Thrift Transactions . 180
Can Acquisition Based Growth Create Value? 181
The FMCG/BAI Study of Bank Acquisitions 181
Gates Bank Merger Review 182
Violation of the Proportionality Rule 184
Collars and Arbitrage 186
Escape Clauses 187
Due Diligence 188
Lock Up Arrangements 189
Repurchase Strategies 189
Playing Out the Consolidation Drama:
Three Hypothetical Merger Case Studies 191
Shootout in the West Wanted—First Interstate 191
CoreStates: A Northeastern Target? 195
The NationsBank Bamett Rumor 197
Merger Valuation:
It Comes Back to Management 201
Summing Up 202
7 Working the Cost Lever 203
Reviewing Recent Industry Experience 204
viii Contents
Approaches to Expense Management 209
Mandated Cost Reductions:
Across the board and Cut Feel 209
Internal Benchmarking 210
External Benchmarking 211
Zero Based Budgeting 212
Leveraging Scale and Scope 213
Business Process Reengineering 215
The Cost Reduction Opportunity In
Acquisitions and Divestitures 216
The Banker/Consultant versus
Regulator/Academic Debate 217
Can Management Make a Difference? 219
8 Retail Delivery Strategy:
Systematic Schizophrenia 221
Complex Challenges to Traditional Thinking 223
Wrestling with Retail Banking Profitability 224
Where Will the Retail Growth Come From? 225
Consumer Inertia: Friend and Foe 228
Regulatory Constraints on the Ability
to Respond to Marketplace Change 230
Facing the Reality of Banks Fading
Competitive Advantage 230
Consumer Behavior Is Changing 231
New Channel Opportunities 232
Thinking About the Future Transition 236
Adopting a Market Based Approach
to Meeting Customer Delivery Needs 240
New Approaches to Segmentation 240
Addressing Customer Channel Economics 241
The Future of Retail Banking
Distribution Systems 242
The Need for New Channels 242
Managing the Implementation Process 243
Managing the Transition 244
A Systematically Schizophrenic
Approach is Required 245
The Leadership Requirement 245
9 The New Search
for Growth: Relationship Banking 247
What Is Relationship Banking? 248
Advantages to the Bank 249
Advantages to the Customer 249
Strategic Value of Adopting
a Relationship Approach 250
Managing Share of Wallet 251
Relationship versus Product Approaches 255
Contents ix
The Consumer Market Challenge:
Relationships in a Non branch Environment 257
The Commercial Market Challenge:
Simply Making Money 258
The Next Frontier:
From Middle Market to Small Business 260
Small Business Lending Cains
Emphasis at Superregionals 261
The Final Frontier.
Managing for Relationship Profitability 261
Measuring Relationship Profitability 263
The Discipline of Relationship Profitability 267
Developing Relationship Strategies
for a Portfolio of Customers 267
Implications of Implementing a
Disciplined Relationship Profitability Approach 268
Relationship Banking and Franchise Value 269
10 Banker s Casino:
Credit Risk Management 271
A Tough Credit Environment 271
Fundamental Shift in Sources of Credit Supply 274
Building a Successful Credit
Management Process 276
Evaluating the Individual Loan 277
Zeta Analysis 278
Building a Prudent Portfolio 278
Applying Portfolio Theory to
Commercial Loan Portfolios 278
Managing Portfolio Concentration 279
Applying Portfolio Theory to Loan Pricing Practices 284
After the Deluge:
The Potential for Credit Cost Reduction 286
Using a Chainsaw: The Role of Bulk Loan Sales 286
Over Reserving 288
The Emergence of a Secondary Market
for Commercial Loans 288
Market Sources of Surge Capacity 289
Capital Market Evaluation of Bank Credit Risk 290
Is There a Credit Crunch? 291
The Credit Process as a Management Challenge 292
Structuring Loan Portfolios 293
The Loan Underwriting Process 296
Establishing Formal Signing Authorities 297
Maintaining Loan Portfolio Quality 297
Involving the Credit Policy Officer 298
Organizational Approaches to
Building a Credit Culture 299
Required Infrastructure and Information Systems 299
x Contents
Credit Risk Management
from the Shareholder s Perspective 300
Summing Up 301
11 Managing Wall Street 303
The Evolution of the Bank Equities Market 303
Evaluation of Bank Stocks:
A Brie/History 304
The Sell Side Bank Analyst Comes of Age 305
Notable Analysts Work 307
The New Role of Capital 313
Ownership Issues and the Evolving Role
of the Institutional Investor 314
Communicating with Wall Street 314
The CEO and Investor Relations 317
Other Investors, Individuals, and Employees 318
Working with Wall Street 319
12 CEO Leadership Matters 321
Market Responsiveness:
A Real Opportunity for Differentiation 322
Making an Imperative of Innovation 324
Performance Measurement
The Critical Management Tool 325
BANC ONE S MICS 325
Management Talent:
The Real Performance Constraint 331
Ultimate CEO Responsibility:
Building a Competitive Corporate Culture 334
The Ultimate CEO Test:
Merging Banks and Corporate Cultures 335
Managing a Multibank Holding Company 338
Managing External Constituencies 338
Evolving Role of the CEO 339
13 Paradigm Regained 341
Endnotes 355
Index 357
Contents xi
List of Exhibits
1.1 Commercial Banking Industry ROE Failed to
Exceed Its Cost of Equity in the 1980s 3
1.2 Recent Eras of Strategic Emphasis 6
1.3 Key Success Factors of the 1990s 19
2.1 Relative Growth Rates:
Mutual Funds versus Bank Deposits
1980 1993,011 26
2.2 Commercial Bank Operating
Performance 1979 1993 28
2.3 Money Market Mutual Funds versus
Bank Deposit Rates 29
2.4 Provisions of Depository Institutions
Deregulation and Monetary Control
Act of 1980(DIDMCA) 31
2.5 Provisions of Depository Institutions
Act of 1982 (Garn St Germain) 31
2.6 Nonbanks Gain Significant Market Share 38
2.7 Demographic Shifts in U.S. Population 44
2.8 FDIC Premium Structure: Risk Categories 47
3.1 Number of Insured U.S. Commercial Banks,
Banking Organizations, and Branch Offices
1980 1992 56
3.2 Number of Bank Acquisitions, 1983 1992 56
3.3 Entry and Exit in Banking, 1980 1992 57
3.4 Number of Commercial and Savings Banks
on FDIC s Problem List 1986 1993, QI 58
3.5 Assets of Commercial and Savings Banks
on FDIC s Problem List 1986 1993, QI 59
3.6 Interstate Banking Laws 62
3.7 Bank Branching Trends 64
xiii
3.8 Comparative Analysis of Bank Structure
Illinois versus North Carolina 65
3.9 Total Assets for SAIF Insured Private Sector
Thrifts December 1978 June 1993 68
3.10 Largest LBO Investors 76
3.11 List of Potential Bank Investors 76
3.12 Top 25 Foreign Owned U.S. Bank
Subsidiaries Based on Total Assets as of
December 31, 1992 78
4.1 Framework for Evaluating Bank
Operating Performance 86
4.2 Value Map of the Banking Industry 91
4.3 Potential Line of Business Definitions 94
4.4 Breakup Value of Fifth Third (1990) 101
4.5 Breakup Value of Bankers Trust (1990) 102
4.6 Breakup Value of Wells Fargo (1990) 103
4.7 Breakup Value of State Street (1990) 104
4.8 Relative Value Contribution/Destruction
of Business Lines 105
5.1 Largest U.S. Commercial Banks
Ranked by Assets (1980) 118
5.2 Top 50 Banking Organizations
Market Capitalization to Total Assets
September 30, 1993 119
5.3 Top Fifty Banking Organizations
Market Capitalization September 30, 1993 124
5.4 Top Fifty Banking Organizations
Price Relative to Book Value
August 2, 1993 126
5.5 Unilateral Takeover Attempts or Initiatives 127
5.6 Estimated Merger Noninterest Expense Savings 129
5.7 Expense Savings Experience of
Major Bank Mergers 130
5.8 Top 15 States by Assets with Other Data
December 31, 1992 138
5.9 Southeast Value Map 140
5.10 Northeast Value Map 142
5.11 Midwest Value Map 144
5.12 West Value Map 147
5.13 National Value Map 149
xlv List of Exhibits
5.14 The Survivor Landscape Continues to Evolve
with Several Powerful Leaders
(Market Capitalization in )
Prices as of 9/30/93 151
6.1 Management Note: Intangible Assets 165
62 Board Decision Matrix 171
63 Interstate Mergers and Acquisitions:
1985 1988 174
6.4 Bank Merger Transaction Pricing
1989 1992 (Median Values) 175
6.5 Major Acquisitions in the Southeast 176
6.6 Major Southeast Acquisitions:
Estimated Dilution (1985) 177
6.7 Transaction Premiums: Interstate versus
Intrastate Bank Mergers (Median Values) 178
6.8 Merger Pricing by Deal Size (Median Values) 179
6.9 Merger Pricing by Method of Payment
(Median Values) 180
6.10 Thrift Merger Pricing 1989 1993, 01
(Median Values) 180
6.11 Bank Mergers 1983 1988:
Which Were Successful? 183
6.12 BANC ONE CORPORATION
Marine Transaction 185
6.13 BankAmerica—Security Pacific Transaction 186
6.14A First Interstate:
Dilution Analysis with No Cost Savings 192
6.14B First Interstate:
Dilution Analysis with Cost Savings 194
6.14C First Interstate:
Modified Discounted Cash Flow 194
6.15A CoreStates:
Dilution Analysis with No Cost Savings 196
6.15B CoreStates:
Dilution Analysis with Cost Savings 198
6.15C CoreStates:
Modified Discounted Cash Row 198
6.16A Bamett Banks:
Dilution Analysis with No Cost Savings 199
6.16B Bamett Banks:
Dilution Analysis with Cost Savings 200
List of Exhibits xv
6.16C Bamett Banks:
Modified Discounted Cash Row 200
7.1 Efficiency Ratios at 50 Large Banks 205
8.1 The 1980 s Transformation of
Retail Branch Banking 222
8.2 Forecasted Growth of Retail Banking Revenues 226
83 Number of Branches: Past, Present, and Future 227
8.4 Framework for Developing Retail
Delivery Strategy 229
8.5 Delivery Channel Usage Estimate 231
8.6 Channel Use by Delivery Segment
(Current and Projected) 233
8.7 Alternative Approaches for Improving
Branch Productivity 237
8.8 Consumer Banking Profitability:
Branch Users versus Non branch Users 239
8.9 Management Priorities for Managing
the Retail Delivery System 244
9.1 Sources of Earnings of Typical
Middle Market Banking Customer 260
9.2 Top Net Interest Margins 262
9.3 Typical Distribution of Customer Profitability
in the Middle Market 264
9.4 Customer Profitability Model 265
10.1 Credit Cost Ratios for the Top 50 Banks 273
10.2 Allowance for Loan Loss Provision to Loans 274
10.3 Loan Loss Reserve Coverage of
Non Performing Loans 275
10.4 Demand for Commercial and
Industrial Loans (C I) 276
10.5 Net Charge Offs as a Percentage of Total Loans 277
10.6 Historical Correlations: Identifying
Covariances Among Industries 283
10.7 Loan Pricing Data Shows Banks
Do Not Get Paid for Risk 285
//./ Institutional Investment in Banks 315
/1.2 Top Bank Institutional Investors 316
12.1 BANC ONE CORPORATION
Peer Comparison
December 1992 329
xvi List of Exhibits
Sidebar Contributors
The following authors have contributed sidebar articles through¬
out this book.
Shrinking Profit Opportunities in Banking and the
Credit Crunch: Where Do We Go From Here? 34
Harvey Rosenblum
Senior Vice President and Director of Research
Federal Reserve Bank of Dallas
Why Wholesale Banking and Retail Banking
Don t Mix 96
5. Watte Rawls
Executive Vice President
Chicago Corporation
The Technology Scene and the Role It Should Play 120
John P. Singleton
General Manager ISSC
fa wholly owned subsidiary of IBM)
Former Vice Chairman and COO
Security Pacific Corporation
Swift Merger Pace: More to Give Up the Ghost 132
James/. McDermott, Jr., President
Richard I. Stillinger, Associate Director of Research
Keefe, Bruyette 6r Woods, Inc.
Trends in Retail Bank Distribution 234
John Russell
Chief Communication Officer
BANCONE
xvU
Supercommunity Banking 252
AnatBird
National Director, Financial Institutions
Constiting Group, BDO Seidman
Enhancing Loan Portfolio Performance
Using Covariance Analysis 280
Paul Ross
Principal
DRl/McGraw Hill
Wachovia s Credit Management Approach 294
John G. Medlin, Jr.
Chairman and Chief Executive Officer
Wachovia Corporation 2W
Where We Are and Where We Are
Going in the Banking Industry 308
/. Richard Fredericks
Senior Managing Director
Montgomery Securities
xviii Sidebar Contributors
|
| any_adam_object | 1 |
| author | McCoy, John B. Frieder, Larry A. Hedges, Robert B. |
| author_facet | McCoy, John B. Frieder, Larry A. Hedges, Robert B. |
| author_role | aut aut aut |
| author_sort | McCoy, John B. |
| author_variant | j b m jb jbm l a f la laf r b h rb rbh |
| building | Verbundindex |
| bvnumber | BV019892815 |
| callnumber-first | H - Social Science |
| callnumber-label | HG1615 |
| callnumber-raw | HG1615.5 |
| callnumber-search | HG1615.5 |
| callnumber-sort | HG 41615.5 |
| callnumber-subject | HG - Finance |
| classification_rvk | QK 300 |
| ctrlnum | (OCoLC)29858366 (DE-599)BVBBV019892815 |
| dewey-full | 332.1/068 |
| dewey-hundreds | 300 - Social sciences |
| dewey-ones | 332 - Financial economics |
| dewey-raw | 332.1/068 |
| dewey-search | 332.1/068 |
| dewey-sort | 3332.1 268 |
| dewey-tens | 330 - Economics |
| discipline | Wirtschaftswissenschaften |
| format | Book |
| fullrecord | <?xml version="1.0" encoding="UTF-8"?><collection xmlns="http://www.loc.gov/MARC21/slim"><record><leader>02194nam a2200565 c 4500</leader><controlfield tag="001">BV019892815</controlfield><controlfield tag="003">DE-604</controlfield><controlfield tag="005">20050912 </controlfield><controlfield tag="007">t</controlfield><controlfield tag="008">050720s1994 d||| |||| 00||| eng d</controlfield><datafield tag="020" ind1=" " ind2=" "><subfield code="a">1557383898</subfield><subfield code="c">: £ 27.50</subfield><subfield code="9">1-55738-389-8</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(OCoLC)29858366</subfield></datafield><datafield tag="035" ind1=" " ind2=" "><subfield code="a">(DE-599)BVBBV019892815</subfield></datafield><datafield tag="040" ind1=" " ind2=" "><subfield code="a">DE-604</subfield><subfield code="b">ger</subfield><subfield code="e">rakwb</subfield></datafield><datafield tag="041" ind1="0" ind2=" "><subfield code="a">eng</subfield></datafield><datafield tag="049" ind1=" " ind2=" "><subfield code="a">DE-M347</subfield></datafield><datafield tag="050" ind1=" " ind2="0"><subfield code="a">HG1615.5</subfield></datafield><datafield tag="082" ind1="0" ind2=" "><subfield code="a">332.1/068</subfield><subfield code="2">20</subfield></datafield><datafield tag="084" ind1=" " ind2=" "><subfield code="a">QK 300</subfield><subfield code="0">(DE-625)141640:</subfield><subfield code="2">rvk</subfield></datafield><datafield tag="100" ind1="1" ind2=" "><subfield code="a">McCoy, John B.</subfield><subfield code="e">Verfasser</subfield><subfield code="4">aut</subfield></datafield><datafield tag="245" ind1="1" ind2="0"><subfield code="a">BottomLine banking</subfield><subfield code="b">meeting the challenges for survival & success</subfield><subfield code="c">John B. McCoy ; Larry A. Frieder ; Robert B. Hedges, Jr.</subfield></datafield><datafield tag="264" ind1=" " ind2="1"><subfield code="a">Chicago, Ill. [u.a.]</subfield><subfield code="b">Probus</subfield><subfield code="c">1994</subfield></datafield><datafield tag="300" ind1=" " ind2=" "><subfield code="a">XXVII, 370 S.</subfield><subfield code="b">graph. Darst.</subfield></datafield><datafield tag="336" ind1=" " ind2=" "><subfield code="b">txt</subfield><subfield code="2">rdacontent</subfield></datafield><datafield tag="337" ind1=" " ind2=" "><subfield code="b">n</subfield><subfield code="2">rdamedia</subfield></datafield><datafield tag="338" ind1=" " ind2=" "><subfield code="b">nc</subfield><subfield code="2">rdacarrier</subfield></datafield><datafield tag="490" ind1="0" ind2=" "><subfield code="a">A Bankline publication</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Bancos y banca - EE.UU</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Banques - Fusion - États-Unis</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Banques - Gestion - États-Unis</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Banques - Service à la clientèle - États-Unis</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Banques - Traitement des titres - États-Unis</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Préstamos bancarios - EE.UU</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Prêts bancaires - États-Unis</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Bank</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Bank loans</subfield><subfield code="z">United States</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Bank management</subfield><subfield code="z">United States</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Bank mergers</subfield><subfield code="z">United States</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Banks and banking</subfield><subfield code="x">Customer services</subfield><subfield code="z">United States</subfield></datafield><datafield tag="650" ind1=" " ind2="4"><subfield code="a">Banks and banking</subfield><subfield code="x">Securities processing</subfield><subfield code="z">United States</subfield></datafield><datafield tag="650" ind1="0" ind2="7"><subfield code="a">Bankbetriebslehre</subfield><subfield code="0">(DE-588)4129045-8</subfield><subfield code="2">gnd</subfield><subfield code="9">rswk-swf</subfield></datafield><datafield tag="651" ind1=" " ind2="4"><subfield code="a">USA</subfield></datafield><datafield tag="651" ind1=" " ind2="7"><subfield code="a">USA</subfield><subfield code="0">(DE-588)4078704-7</subfield><subfield code="2">gnd</subfield><subfield code="9">rswk-swf</subfield></datafield><datafield tag="689" ind1="0" ind2="0"><subfield code="a">Bankbetriebslehre</subfield><subfield code="0">(DE-588)4129045-8</subfield><subfield code="D">s</subfield></datafield><datafield tag="689" ind1="0" ind2="1"><subfield code="a">USA</subfield><subfield code="0">(DE-588)4078704-7</subfield><subfield code="D">g</subfield></datafield><datafield tag="689" ind1="0" ind2=" "><subfield code="5">DE-604</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Frieder, Larry A.</subfield><subfield code="e">Verfasser</subfield><subfield code="4">aut</subfield></datafield><datafield tag="700" ind1="1" ind2=" "><subfield code="a">Hedges, Robert B.</subfield><subfield code="e">Verfasser</subfield><subfield code="4">aut</subfield></datafield><datafield tag="856" ind1="4" ind2="2"><subfield code="m">HBZ Datenaustausch</subfield><subfield code="q">application/pdf</subfield><subfield code="u">http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=013216790&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA</subfield><subfield code="3">Inhaltsverzeichnis</subfield></datafield><datafield tag="999" ind1=" " ind2=" "><subfield code="a">oai:aleph.bib-bvb.de:BVB01-013216790</subfield></datafield></record></collection> |
| geographic | USA USA (DE-588)4078704-7 gnd |
| geographic_facet | USA |
| id | DE-604.BV019892815 |
| illustrated | Illustrated |
| indexdate | 2024-07-09T20:08:34Z |
| institution | BVB |
| isbn | 1557383898 |
| language | English |
| oai_aleph_id | oai:aleph.bib-bvb.de:BVB01-013216790 |
| oclc_num | 29858366 |
| open_access_boolean | |
| owner | DE-M347 |
| owner_facet | DE-M347 |
| physical | XXVII, 370 S. graph. Darst. |
| publishDate | 1994 |
| publishDateSearch | 1994 |
| publishDateSort | 1994 |
| publisher | Probus |
| record_format | marc |
| series2 | A Bankline publication |
| spelling | McCoy, John B. Verfasser aut BottomLine banking meeting the challenges for survival & success John B. McCoy ; Larry A. Frieder ; Robert B. Hedges, Jr. Chicago, Ill. [u.a.] Probus 1994 XXVII, 370 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier A Bankline publication Bancos y banca - EE.UU Banques - Fusion - États-Unis Banques - Gestion - États-Unis Banques - Service à la clientèle - États-Unis Banques - Traitement des titres - États-Unis Préstamos bancarios - EE.UU Prêts bancaires - États-Unis Bank Bank loans United States Bank management United States Bank mergers United States Banks and banking Customer services United States Banks and banking Securities processing United States Bankbetriebslehre (DE-588)4129045-8 gnd rswk-swf USA USA (DE-588)4078704-7 gnd rswk-swf Bankbetriebslehre (DE-588)4129045-8 s USA (DE-588)4078704-7 g DE-604 Frieder, Larry A. Verfasser aut Hedges, Robert B. Verfasser aut HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=013216790&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | McCoy, John B. Frieder, Larry A. Hedges, Robert B. BottomLine banking meeting the challenges for survival & success Bancos y banca - EE.UU Banques - Fusion - États-Unis Banques - Gestion - États-Unis Banques - Service à la clientèle - États-Unis Banques - Traitement des titres - États-Unis Préstamos bancarios - EE.UU Prêts bancaires - États-Unis Bank Bank loans United States Bank management United States Bank mergers United States Banks and banking Customer services United States Banks and banking Securities processing United States Bankbetriebslehre (DE-588)4129045-8 gnd |
| subject_GND | (DE-588)4129045-8 (DE-588)4078704-7 |
| title | BottomLine banking meeting the challenges for survival & success |
| title_auth | BottomLine banking meeting the challenges for survival & success |
| title_exact_search | BottomLine banking meeting the challenges for survival & success |
| title_full | BottomLine banking meeting the challenges for survival & success John B. McCoy ; Larry A. Frieder ; Robert B. Hedges, Jr. |
| title_fullStr | BottomLine banking meeting the challenges for survival & success John B. McCoy ; Larry A. Frieder ; Robert B. Hedges, Jr. |
| title_full_unstemmed | BottomLine banking meeting the challenges for survival & success John B. McCoy ; Larry A. Frieder ; Robert B. Hedges, Jr. |
| title_short | BottomLine banking |
| title_sort | bottomline banking meeting the challenges for survival success |
| title_sub | meeting the challenges for survival & success |
| topic | Bancos y banca - EE.UU Banques - Fusion - États-Unis Banques - Gestion - États-Unis Banques - Service à la clientèle - États-Unis Banques - Traitement des titres - États-Unis Préstamos bancarios - EE.UU Prêts bancaires - États-Unis Bank Bank loans United States Bank management United States Bank mergers United States Banks and banking Customer services United States Banks and banking Securities processing United States Bankbetriebslehre (DE-588)4129045-8 gnd |
| topic_facet | Bancos y banca - EE.UU Banques - Fusion - États-Unis Banques - Gestion - États-Unis Banques - Service à la clientèle - États-Unis Banques - Traitement des titres - États-Unis Préstamos bancarios - EE.UU Prêts bancaires - États-Unis Bank Bank loans United States Bank management United States Bank mergers United States Banks and banking Customer services United States Banks and banking Securities processing United States Bankbetriebslehre USA |
| url | http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=013216790&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA |
| work_keys_str_mv | AT mccoyjohnb bottomlinebankingmeetingthechallengesforsurvivalsuccess AT friederlarrya bottomlinebankingmeetingthechallengesforsurvivalsuccess AT hedgesrobertb bottomlinebankingmeetingthechallengesforsurvivalsuccess |