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. 98, No. 5, May

A Long Wait, Then Success
"THE TREES THAT ARE SLOW TO grow bear the best fruit."--Moliere Bankers have waited many years for deposit insurance reform-but we never gave up. What was enacted earlier this year is another of those wonderful examples of how bankers can work cooperatively...
Business Borrowing Will Take Up the Slack
ECONOMIC GROWTH IS EXPECTED to ease over the course of 2006, with monetary policy tightening likely to end by midyear, according to a mid March forecast of the American Bankers Association Economic Advisory Committee. "The balance of risk is shifting...
Growing Pains
FOR NEW JERSEY'S COMMERCE Bank growth is a mantra; a modus operandi. Of late, Commerce Bank's growth has been very visible along the East Coast. The phrase "Commerce effect" has come into use to describe the impact on other banks when it enters...
Growth Is the Easy Part: Getting the Right Kind of Growth-And Managing It without Losing the Very Traits That Spurred That Growth-Is the Challenge
It's not an option. No organization, be it country, company, trade group survives long without growth. On this there is no disagreement. What type or rate of growth an organization seeks to achieve is another matter. And how management deals with...
New ABA Toolbox on Financial Education
ABA has introduced its latest toolbox for bankers, which focuses on how banks can promote financial education and financial literacy in their communities. The toolbox can be downloaded online from aba.com. Print copies have also been sent to chief...
Pass the Aspirin
The Headache From a banker in the Pacific Northwest: "What are other banks doing to memorialize board meeting minutes? The task of taking minutes and then putting the minutes into a logical format, to include the important issues, is a challenge-for...
Read This before You Take Multi-Factor Plunge: Regulators Say Multi-Factor Authentication Is an Option Not a Requirement
Banks offering internet-based services have been wrestling with a thorny issue since last year's regulatory fiat on authentication methods. Few recent compliance challenges have been the subject of so much misinformation, rumor, and misunderstanding....
Real Efficiency Gains Seen in '05
One enduring trend in banking is the goal to become more efficient, measured most commonly by the efficiency ratio. The intent behind the ratio is to measure the amount of operational expense (often called general and administrative expense) associated...
Retroactive "PATRIOTism" ?
Q. If we did not have one of the four identification items--name, address, dote of birth, and taxpayer identification number--required under the USA PATRIOT Act on accounts that were existing at the time of customer identification program implementation,...
Sleight of Mind
Due to a computer glitch to which we are all vulnerable, many of your e-mails in response to March's puzzle, 'Concerning a Check,' were sent back. To date we have received only two correct responses. One was from Jim Coons, director of internal audit,...
The "E-Withdrawal" Enigma
Q. I can't find that Regulation D addresses withdrawal or transfer requests made via e-mail. What if we had a client e-mail us, requesting a withdrawal or transfer, and we created a check, as requested? There is no messenger involved, and the request...
The New Efficiency Alignment: Getting People, Process, and Technology in a Row
If operational efficiency were a formula, it might look like this: two parts corporate governance, plus project management, multiplied by technology alignment, minus complexity--or 2CG + pm x IT align - (Cx). Yet getting results takes more than...
The Other Secret of NIM: Tight Spreads Eroding Your Profits? Cost-Accounting Offers Another Way to Fix This Besides the Obvious
The near-obsessive attention of community bankers to interest spread" and earning asset yield levels--the most visible components in increasing or decreasing profitability--tend to override the attention paid to all other ingredients in assessing performance...
They Don't like My Accent
Accent tells others where we are from and has potential to create a false impression of our intelligence or competence. A surprising number of people avoid public speaking because they have come to believe their accent or regional pronunciation brands...
Training Is Not an Option: Four Reasons to Invest in Professional Development
Imagine a local gas station discovers a skimming device on its pumps, and the credit and debit card information of an unknown number of customers has been captured by fraudsters. Worried customers start to call or visit your bank. Some have actual...
Vernon Hill vs. the Curve: He's Traded for Years on the Separation of Banking and "Commerce." but Does Commerce Bancorp's CEO Think He Can Keep Producing Above-Average Growth with the Current Flat Yield Curve? Hint: The Bank's Website Is "Yesbank.Com"
"Momentum. It is the way scientists measure the tendency of an object in motion to stay in motion. You see it often in nature. The rotation of the earth depends in part on momentum. And some animals, by nature's design, must stay in continuous motion....
Website Workflow Gets to the Point: New Content Management Systems Help Banks Manage Websites with "Wow" Factor
When the website was a less transactional channel, banks had less site--and fewer functions--to manage. As they grew into workhorses of corporate operations, websites gained the complexity of moving parts, and took on such specialty roles as customer...
Why Fee-Based Banks Look So Good
It's official, lending is out, asset management is in. Seriously that was the sobering message presented during a recent presentation by Gerard Cassidy, senior bank analyst at RBC Capital Markets, Boston. Cassidy, who has been reading the financial...
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