The commercial banking handbook: strategic planning for growth and survival in the new decade
Gespeichert in:
| 1. Verfasser: | |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Basingstoke [u.a.]
Macmillan
1999
|
| Ausgabe: | 1. publ. |
| Schriftenreihe: | Macmillan business
|
| Schlagworte: | |
| Online-Zugang: | Inhaltsverzeichnis |
| Beschreibung: | XV, 463 S. graph. Darst. |
| ISBN: | 0333736249 |
Internformat
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Datensatz im Suchindex
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|---|---|
| adam_text | Contents
Foreword by Brandon J. Davies xii
Preface xiii
PART ONE THE NEED FOR A COMMERCIAL BANKING STRATEGY
1 Money, the Banks and the Bankers 3
1 Introduction 3
2 The Widening Role of Banking During the Last 20 Years 4
3 The Notion of Money and its Function in
Financial Transactions 7
4 Looking at Banks as Service Companies
which Work for a Profit 10
5 Redefining the Process of Financial Intermediation 13
6 Is the Size of Banks Playing a Decisive Role? 17
7 Looking at Banking as a Business in Transition 20
8 Banking Can Be Fun 22
2 Goals of a Strategy in Retail Banking 26
1 Introduction 26
2 The Five Major Components of a Master Plan 27
3 Financial Strategy and the Importance of
High Technology Support 31
4 What is Meant by the Retail Banking Revolution? 36
5 Basic Customer Requirements Influencing
Retail Banking Strategy 39
6 Grand Strategy and Key Decisions in Establishing
a Business Perspective 42
7 How Bankers Trust Approached Strategic Planning:
a Case Study 46
8 Betting on Shareholders to Promote
the Bank s Business and Image 48
3 Financial Services Offered by Banks and Non Banks 51
1 Introduction 51
2 The Many Different Types of Banks and Their Mission 52
3 Regulation, Supervision and the Developing Experience
in Banking Strategy 57
4 Retail Banking without the Protective Umbrella
of Regulation 60
v
» i Contents
5 The Effects of Deregulation and the Globalization
of Financial Operations 62
6 Can We Match Problems and Opportunities Present in
Commercial Banking? 67
7 What is Really Meant by a Non bank Bank? 69
8 General Electric Capital, General Motors and
Sears Roebuck 72
9 Strategic Aspects of the Competition Between Banks
and Non banks 74
4 Strategic Planning and the Quality of Services in Retail Banking 77
1 Introduction 77
2 The Close Relation which Exists between
Strategy and Planning 78
3 Paying Attention to the Quality of Banking Services
through Quality Circles 82
4 New Retail Products, Added Value and
Quality Characteristics 85
5 Organizational Practices for Closing the Quality Gap in
Banking Services 89
6 Using Quality Circles to Ease the Problems Presented
by Downsizing 91
7 Combining Quality Consciousness among Employees
through Rigorous Accounting Methods 95
8 The Virtual Infrastructure, Quality Milestones and
Performance Evaluation 98
5 Facing the Invasion of the Banks Business by
Mutual Funds and Managing the Process of Change 101
1 Introduction 101
2 A Case Study on Fidelity Investments 102
3 Are Mutual Funds and Other Vehicles More Secure
for the Investor? 105
4 A Strategic Answer to Problems of Risk Management
and of Globalization 107 ^
5 Rethinking the Strategic Content of
Many Decisions Banks Have to Make 110
6 Strategic Plans, the Chief Executive Officer and
the Accountability of the Board 114
7 What is Really Meant by the Management of Change? 118
8 Reasons for Falling Behind in Strategic Planning 121
9 Why, by Avoiding Problems , Retail Banks are
Getting into Trouble 124
Contents vii
PART TWO FOCUSING ON MARKETING AND COMPETITION
6 Retail Banking Strategies and the Marketing Functions 129
1 Introduction 129
2 What is Meant by Marketing in Retail Banking? 130
3 The Contribution of a Marketing Plan 131
4 Marketing More Effectively to Our Own Clients 134
5 Give Me a Market and I Will Make a Bank 136
6 The Common Features Characterizing
Planning and Marketing 140
7 Exploiting Niche Markets and Mass Markets 144
8 The Difficult Job of Productizing and Cross sales 147
9 In the Years to Come, the Bank is the Network 150
10 Is it Really True that in the Future Internet Takes All? 153
7 Relationship Banking, Customer Mirror and
the Branch Office Network 156
1 Introduction 156
2 Sales Strategies, Core Competences and Banking Fees 157
3 Product Marketing and Relationship Management 161
4 Customer Mirror: the Means for Evaluating
Account Profitability 165
5 Marketing Savvy and Technology for
Implementing the Customer Mirror 168
6 Can We Measure the Contribution of
the Branch Office Network? 171
7 Branch Office Management and the Necessary
Re engineering Effort 175
8 Establishing Sales Quotas to Increase
Sales Productivity 178
9 When Banks Join Forces with Supermarkets:
the Tesco NatWest Experience 182
8 A Popular Marketing Policy: Direct Banking 185
1 Introduction 185
2 The Business Opportunity Associated with Direct Banking 186
3 Careful Selection of Direct Banking Goals and
Supporting Processes 189
4 Providing Direct Access for Banking Services and
for Insurance 192
5 What Will Happen if We Charge the Cost of
Teller Services? 196
6 Public Reaction to Direct Banking Services Offered by
German Banks 200
viii Contents
1 Making Investments Online, the Direct Way 202
8 Using the Database as a Strategic Tool in Direct Banking 204
9 Small Banks Too Have a Future if They Know
How to Manage Technology: the Case of Lan Spar 206
9 The Profitable Business of Private Banking 212
1 Introduction 212
2 The Growing Breed of Private Bankers and the Fees
of the Industry 213
3 Investments Needed to Confront the Challenges of
Private Banking 216
4 Wealth Planning for a Sophisticated Clientele and
Tax Advisory Services 220
5 Internationally Invested Personal Wealth and
the Private Banking Business Made in Switzerland 223
6 Where are Luxembourg and the Offshore Financial
Centers in the Race to Private Banking? 226
7 The Private Banking Business in Britain and in Germany 229
8 Is it Advisable to Use Derivatives in Retail Banking and
in Private Banking? 231
9 Major Swiss Banks: their Globalization and
Derivatives Instruments 234
10 Is the Popularization of Derivatives in Banking and in
Insurance of Interest to Private Individuals? 237
10 Wealth Management, Banking Contracts and
Lasting Customer Relationships 240
1 Introduction 240
2 Federated Financial Organizations and the Concept of
Value Differentiation 241
3 Business Opportunities and Challenges with
Universal Banking 245
4 Discretionary Portfolio Management and Adequacy of
Financial Skills 250
5 General Conditions Characterizing a Client s Contract 253
6 Clauses Concerning Derivative Instruments, Margins
and Liquidation of Positions 256
7 Establishing and Following a Strategy of
Rigorous Internal Controls 259
8 Even Certified Public Accountants Fall into
the Trap of Dubious Reporting Practices 261
Contents ix
PART THREE PRODUCT PRICING, PROFITABILITY, SECURITY,
CREDIT RISK AND MARKET RISK
11 Setting a Pattern of Products, Markets and Bank Profitability 267
1 Introduction 267
2 The Changing Nature of Financial Instruments and
the Technology they Require 268
3 What is Meant by New Product Planning? 271
4 Basic Factors Characterizing Strategic Products and
their Processes 274
5 Customer Gateways and the Demanding Job of
Product Formulators 277
6 What Can Banks Learn from the Manufacturing Industry
in Terms of Time to Market? 281
7 Practical Views on the Essence of Profitability in Banking 283
8 Why Profitability in Banking is Indivisible from
Cost Control 286
12 Managing Research and Development in Retail Banking 290
1 Introduction 290
2 The Contribution of Research to the Survival of
Retail Banking 292
3 Is Return on Investment an Immediate Preoccupation
with R D? 295
4 Non traditional Research in Financial Institutions and
Market Inefficiencies 298
5 Can the Goal of Steady Innovation be Served by
Precompetitive Research? 301
6 Never Forget Marketing s Contribution to the Success of
Banking Products 304
7 Using Technology to Solve Problems and
Gain Market Edge 307
8 Do not Underestimate the Smaller Bank and
its Market Appeal 310
9 How to Avoid New Product Failures in
the Banking Industry 312
13 Pricing Financial Products and Services 316
1 Introduction 316
2 Financial Product Lines and the Pricing of
Different Instruments 317
3 Product Pricing as a Dynamic Strategy against Competition 319
c Contents
4 A Double edged Sword: Pricing Products Efficiently
and Cutting Costs 322
5 Reducing Production Costs but Allowing Flexibility
in Marketing 327
6 Appreciating the Evolution of Normalized
Pricing Strategies in Retail Banking 332
7 Using Computers and Simulation to
Evaluate Alternative Pricing Structures 335
8 Private Banking Operations and Fees for
Portfolio Management 337
9 Questions Regarding Fees Facing
the Brokerage Business 341
10 Strategic Planning and the Elaboration of
a Pricing Schedule for Banking Services 343
14 The Choice of a Strategy for Loans 347
1 Introduction 347
2 Relationship Banking, Loans and Covenants 348
3 The Personal Loans Portfolio of a Retail Bank 350
4 Direct Third Party Participation and Popular
Accounting Methods 353
5 Experimental and Practical Rules for
the Management of Loans 355
6 Can We Mark to Market the Loans Portfolio? 359
7 Judging a Borrower s Ability to Repay a Loan 362
8 Lessons to be Learned from the Scandinavian
Banking Crisis 365
9 Analytical Approaches to the Correction of Flaws
in Loans Management 369
15 Credit Risk, Market Risk and the Basle Committee on
Banking Supervision 373
1 Introduction 373
2 The Basle Committee on Banking Supervision Revamps
and Restructures Capital Requirements 374
3 Implied Risk and the Precommitment Approach 377
4 Global Supervision, the Bank s Top Management and
the Trading Book 378
5 Value at risk and the Concept of Confidence Intervals 381
6 Backtesting and the Green, Yellow and Red Zones 384
7 Why Marking to Model is a Cultural Change for
Many Financial Institutions 387
8 Stress Analysis, Notional Principal Amount and
its Demodulator 390
Contents xi
9 Nonlinear Thinking, Loans Equivalence and
Capital at Risk 393
10 The Collaboration of Supervisory Authorities in
Implementing the Market Risk Amendment 396
16 Technical Approaches to Security: From Smart Money to
Dumb Money and Risks Galore 401
1 Introduction 401
2 Security Issues Currently Posed by Credit Cards 402
3 Beware of Counterfeiting with Plastic Money 404
4 Can We Improve the Security of
Consumer Payment Systems? 407
5 The Perpetual Motion Money Machine with Smart Cards 410
6 Why Smart Money Cards can Become Dumb Money 412
7 The Competition between Smart Cards and
Super Smart Cards: an Underworld s Eden 415
8 Internet, Electronic Mail and Legal Responsibilities 418
9 Cybermoney, Financial Regulation and Money Supply 421
Appendix: What is the Sense of Branding? 425
Acknowledgments 429
Index 452
|
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| indexdate | 2024-07-09T18:35:20Z |
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| isbn | 0333736249 |
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| spelling | Chorafas, Dimitris N. 1926-2014 Verfasser (DE-588)107941961 aut The commercial banking handbook strategic planning for growth and survival in the new decade Dimitris N. Chorafas 1. publ. Basingstoke [u.a.] Macmillan 1999 XV, 463 S. graph. Darst. txt rdacontent n rdamedia nc rdacarrier Macmillan business Bank management Banks and banking Banques - Guides, manuels, etc ram Strategic planning Bank Banks and banking Handbooks, manuals, etc Strategische Planung (DE-588)4309237-8 gnd rswk-swf Bank (DE-588)4004436-1 gnd rswk-swf Unternehmensplanung (DE-588)4078609-2 gnd rswk-swf Bank (DE-588)4004436-1 s Unternehmensplanung (DE-588)4078609-2 s Strategische Planung (DE-588)4309237-8 s DE-604 HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=008765231&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Chorafas, Dimitris N. 1926-2014 The commercial banking handbook strategic planning for growth and survival in the new decade Bank management Banks and banking Banques - Guides, manuels, etc ram Strategic planning Bank Banks and banking Handbooks, manuals, etc Strategische Planung (DE-588)4309237-8 gnd Bank (DE-588)4004436-1 gnd Unternehmensplanung (DE-588)4078609-2 gnd |
| subject_GND | (DE-588)4309237-8 (DE-588)4004436-1 (DE-588)4078609-2 |
| title | The commercial banking handbook strategic planning for growth and survival in the new decade |
| title_auth | The commercial banking handbook strategic planning for growth and survival in the new decade |
| title_exact_search | The commercial banking handbook strategic planning for growth and survival in the new decade |
| title_full | The commercial banking handbook strategic planning for growth and survival in the new decade Dimitris N. Chorafas |
| title_fullStr | The commercial banking handbook strategic planning for growth and survival in the new decade Dimitris N. Chorafas |
| title_full_unstemmed | The commercial banking handbook strategic planning for growth and survival in the new decade Dimitris N. Chorafas |
| title_short | The commercial banking handbook |
| title_sort | the commercial banking handbook strategic planning for growth and survival in the new decade |
| title_sub | strategic planning for growth and survival in the new decade |
| topic | Bank management Banks and banking Banques - Guides, manuels, etc ram Strategic planning Bank Banks and banking Handbooks, manuals, etc Strategische Planung (DE-588)4309237-8 gnd Bank (DE-588)4004436-1 gnd Unternehmensplanung (DE-588)4078609-2 gnd |
| topic_facet | Bank management Banks and banking Banques - Guides, manuels, etc Strategic planning Bank Banks and banking Handbooks, manuals, etc Strategische Planung Unternehmensplanung |
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