ABA Banking Journal

Founded in July of 1908, ABA Banking Journal online contains the complete text of ABA Banking Journal, a monthly magazine on commercial bank operation and management published by Simmons-Boardman Publishing Corp. Articles cover employee relations, recruiting and training. Subjects in the magazine also include installment, mortgage, commercial, and industrial lending as well as correspondent, foreign, and retail banking; deposit gathering; bank cards; asset and liability management; data processing and telecommunications; security; government relations; and legal and regulatory developments. The publication also provides a calendar of ABA-sponsored courses, seminars and workshops. William W. Streeter is the Editor-in-Chief and Robert DeMarco is the Group Publisher/Senior Vice President. Steve Cocheo is the Executive Editor and Andrea Rovira is the Editorial Assistant.

Articles from Vol. 88, No. 8, August

ABA's Annual Convention: Profit in Paradise
Larry King, Martha Rogers, and Thomas K. Brown will speak at ABA's Annual Convention held Oct. 5-8 in Honolulu, Hawaii. "We are trying to leverage Hawaii not as a destination, but rather as a starting point," says Maura Matzko, ABA's group director...
A Billion Here, a Billion There
Last year banks and thrifts spent $20.8 billion on information and communications technology, according to the Mentis Corp. Did we get our money's worth? I've been thinking about this lately, particularly after two experiences, one in Atlanta and another...
A Dissenter Predicts Trouble
Much as bank lenders venturing into subprime borrowing say they recognize and have addressed the special challenges of this field, there are others who aren't so sure. In late June the Financial Institutions Group of A.T. Kearney, the Chicago-based management...
Bank Mutual Fund Customers No Less Savvy, Joint SEC-OCC Survey Shows
Investors in bank-sold mutual funds are not the poor benighted pigeons that some interests have attempted to paint them as. On the other hand, they and other mutual-fund investors may have a few lessons to learn about mutual funds yet. So says a new...
Charles Osgood and the Credit Conundrum
Hundreds of news sources picked up the news about worsening consumer credit trends reported by ABA's Consumer Credit Delinquency Bulletin this summer. But perhaps none did it with such style as Charles Osgood, the CBS Radio Network commentator. The following...
FDIC Approves Deposit "Transfer" for Two Thrifts
Remember the proposed "Jesse James" banks of more than a year ago? Two are on the verge of busting loose, with implications for the debate over the Financing Corp. repayment and related efforts. The controversial banks, also called "born-again" thrifts,...
Give Me Your Delinquents, Your Former Bankrupts, Yearning to Borrow
"B" & "C" credits that command a higher price look mighty good to many banks. But is now the time to push these loans? Banks are victims of the finite nature of good credit--there is only so much of it to go around. Faced with continuing heavy competition...
Healthy Economy; Slight Slowing
Members of ABA's Economic Advisory Committee predicted the pace of economic growth, when adjusted for inflation, will moderate from the first half-year pace of about 3% to about 2% for the second half of the year. "The economy, however, remains healthy...
H.P. Chia, Banker and Curator
Last October some bankers attending ABA's Annual Convention in San Francisco got a special invitation. H.P. Chia, a member of ABA's Community Bankers Council, welcomed other members to a reception at his bank. The members could rest assured, however,...
Is There Any Room for New Card Offers?
The credit card industry has been setting some records lately. Issuers mailed a record 2.7 billion offers to consumers in 1995 and received responses from a low of 1.4%, according to Behavioral Analysis, Inc., Tarrytown, New York. In June, the ABA reported...
Microfilm Begone - Companies Want Check Images
Corporate treasurers are coming to expect their banks to offer check images with their controlled disbursement, positive pay, account reconciliation, lockbox, and other cash management services. According to the Tower Group, Wellesley, Mass., 10% of...
Navigating the Shoals between Alan and Deval; How Do Banks Price for Risk, While Avoiding Discriminatory Pricing?
"Bankers should discriminate (in pricing), provided the word means to measure and price risk properly with regard to legitimate economic characteristics of the client relationship....But bankers should be prosecuted for discriminating if the word means...
Need $50,000? Just Sign Here
Small-business lending has been hot for some time, but a new trend has the potential to revolutionize the business. A handful of large banks have begun applying consumer-lending techniques to small-business lending. They're using direct mail and telemarketing...
New from HUD: One Rule, Three Policy Changes
Real estate lenders who looked forward to a simple summer had better put away the suntan oil and pull out their compliance manuals instead. On June 7, 1996, the Department of Housing and Urban Development issued a final rule under the Real Estate Settlement...
Taking Brokerage to a Higher Level: Banks Are Starting to Shift from Managed Programs to Full-Service Brokerage, and Some Are Seeking Help from Brokerage Firms
Banks are starting to shift from managed programs to full-service brokerage, and some are seeking help from brokerage firms If imitation is the sincerest form of flattery, brokerage firms are getting a compliment from banks these days. After four years...
The Search for Profitable Customers
Knowing the customer has always been a truism for successful community banks. The banks profiled in Project Excellence, KPMG Peat Marwick's survey of top-performing community banks, found a balance between seat-of-the-pants and fact-based marketing....
Thinking Ergonomically Can Help You Economically
That troublesome loan customer may be a pain in the neck, but if you really want to know about pain, try working as a proof machine operator. The typical proof machine calls for operator movements that just don't match the abilities of the usual human...
Thumbs Down on Broker-Dealer Proposal
In spite of improvements it acknowledged had been made from an earlier version of the document, ABA and its securities affiliate, the ABA Securities Association, continued to remain strongly opposed to a National Association of Securities Dealers proposal...
Visa Interactive: Quiet, Key Player
In the latest versions of PC-based home banking, users' computers are linked to their bank accounts, thereby relieving users of the considerable tedium of entering data from their canceled checks and those written through online billpay services. Relatively...
When Investments Begin to Sound like Politics, Watch Your Wallet
Recently there has been much discussion in Washington regarding our budget deficit. Much talk has centered on entitlement programs like Social Security. Neither party relishes the task of confronting reality. Regardless of your politics, it is interesting...
Writing the Book on Banking
When Phil Zweig began writing articles on banking in the 1970s, he had a personal revelation: "Banking wasn't as boring as I thought it was." Zweig has since devoted much of his career to meticulously putting the subject of banking into words for such...
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