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Now Management Will Make or Break the Bank
Consistently high profits have led to complacency and resistance to change throughout the commercial banking industry. The banking industry faces a new era of deregulation, technological change, and new competition that extends across industry lines and geographic boundaries and within the industry itself. In the coming decade, profitability, and in some cases survival, will depend on bank management's attention to measurements of competition and performance in six distinct areas: innovation; cost accounting and pricing; management of interest risk; people management; marketing; and planning and strategy formulation.