Strategic planning for banks meeting the challenges of the 1990s
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| Hauptverfasser: | , |
|---|---|
| Format: | Buch |
| Sprache: | English |
| Veröffentlicht: |
Rolling Meadows, Ill.
Bankers Publ. Co.
1990
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| Online-Zugang: | Inhaltsverzeichnis |
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Datensatz im Suchindex
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|---|---|
| adam_text | Contents
list of Figures IX
List of Tables xi
Foreword xm
Acknowledgements xv
1. Strategic Planning: Key to Survival 1
Strategic Planning Defined l
Importance of Strategic Planning 2
How To Process 4
Scope of the Book 5
Summary
2. Some Historical Developments in Commercial
Banking ?
Impact of Geographical Deregulation
Mergers and Acquisitions 8
Interstate Banking ^
Bank Failures ^
Internationalization of Banking !°
Product Deregulation *
Technology and the Community Bank 20
Summary
3. The Changing Financial Structure:
Its Impact Upon the Survivability of Community
Banks in the 1990s 23
1978—The First Step 24
Inflation *5
Impact of DIDMCA 2b
Garn St. Germain Depository Institutions Act 28
CEBA—1987 31
FIRREA—Financial Institution Reform, Recovery,
and Enforcement Act •**
What Have all the Changes Meant? 34
The Effect Upon Profitability 34
iii
STRATEGIC PLANNING FOR BANKS
Interstate Banking, Reciprocity, and the Impact on
Financial Structure and Environment 35
The Changing Face of Competition 47
Antitrust Changes in Recent Years 48
4(c)(8) Activities—Section 4 of Regulation Y of the
Federal Reserve Act 50
Summary 51
4. Community Banking in the 1990s 55
Number of Banks and Bank Holding Companies
in the 1990s K 55
Product Availability 62
Regulatory Reregulation 64
Federal Standards 65
Role of the Federal Regulatory Agencies 66
Summary 6»
5. Strategic Planning 69
How to Begin the Planning Process 72
Obstacles to Planning 73
Steps in the Strategic Planning Process 74
summary _
6 Situation Analysis 81
Managerial and Organizational Analysis 84
financial Analysis ™
Summary
90
Regulatory Impact 92
Pricing Considerations H
^s p£rBankproductsand
Summary 100
100
iv
£
CONTENTS
8. Valuation—The Building Block for Determining
Strategic Planning Performance 103
Modern Techniques for Determining Security
Valuation 103
Discounted Earnings Approach: Investment
Value 104
Net Asset Valuation: Adjusted Book Value
Approach 104
Market Comparable Approaches:
Price/Earnings Ratio 104
Market Price to Book Value Ratio Approach 105
Market Price Approach 105
Purposes of Bank Stock Valuations 106
Buying Banks, Branches, and Other Depository
Financial Institutions 106
Mergers and Acquisitions 107
Selling Your Bank or Branches 107
Corporate Stock Redemptions 108
ESOPS and ESOTS 110
Summary 110
9. Selling Your Bank 113
Competition 113
Safety and Solvency 116
Search for Profitability 117
Technology 118
Product Deregulation and Creativity 118
Customer Attitudes and Selling 120
Characteristics of Successful Selling
Organizations 121
Getting the Sales and Service Function Off the
Ground 124
Senior Management Commitment 124
Design a Sales Management Administrative
Structure 126
Summary 135
v
STRATEGIC PLANNING FOR BANKS
10. Maiteting for the Community Bank 137
Prioritizing Market Research Data 138
Identify Sources of Research Data 139
Designing and Analyzing Data 140
Highlight and Report the Most Meaningful
Findings l41
Ensure That Market Research Is an Ongoing
Process 142
Utilizing Market Research Findings 142
Summary 143
11. Developing Goals and Perspectives for Your
Financial Institution: Board of Directors 145
Planning Assumptions 146
Who Is Responsible for Developing the Goals and
Objectives for Strategic Planning? 148
Role of the Board of Directors: General
Responsibilities 149
Specific Board Responsibilities 154
Composition of the Board of Directors 157
Personal Responsibility of Directors 162
Independence of Thought and Action 164
Responsibility of Confidentiality 165
Disputes, Conflicts of Interest, and Ethics 166
Retirement, Resignation, and Replacement of
Directors 168
Recruitment and Retention of Competent
Management 170
Summary 171
12. Developing Goals and Objectives for Your Financial
Institution: Management and Staff 172
Management s Role in Strategic Planning: Working
With the Board of Directors 173
Putting the Board in Charge 174
Putting Management in Control 175
vi
CONTENTS
Responsibility to the Board 175
Initiators of Strategic Planning Policies 176
Implementation Responsibility and
Accountability 176
Responsibility for Modifying the Strategic Plans 176
Delegating the Implementation of Strategic
Planning Development 177
Role of Department Heads and Staff 178
Developing Financial and Nonfinancial Goals and
Objectives 181
Financial Goals and Objectives 182
Nonfinancial Goals and Objectives 182
Time Frame for Strategic Planning 183
Summary 184
13. Short Term Budgeting 185
Yearly Goals and Objectives 185
Summary 204
14. Short Term Asset and Liability Management 205
Interest Rates and Business Trends 208
Factors Affecting Liquidity 208
Individual Institution Analysis 213
Techniques of Asset and Liability Management 216
Asset and Liability Management as an Integral
Financial Management Policy 217
Asset and Liability Positioning 219
Philosophical Approaches 219
Interest Rate Sensitivity 220
Classification 223
Rate Sensitivity Analysis 227
Maturity Matching 229
Gap Analysis
Net Interest Spread/Net Interest Margin 232
Rate Volume Analysis 233
Rate, Volume, and Mix 233
vii
STRATEGIC PLANNING FOR BANKS
Hedging/Arbitrage 234
Summary 236
15. Selecting a Strategic Planner: What It Costs
to Plan 237
Internal Planner 237
Selecting the Outside Strategic Planner 238
Strategic Planning Costs 240
Summary 241
16. Shareholder Relations and Communications 243
Functions of Shareholder
Relations/Communications 244
Fifteen Keys to Success 24fS
Summary 26Q
Epilogue 2m
Bibliography 26?
About the Authors 2g3
viii
|
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| dewey-search | 332.1/2/0684 |
| dewey-sort | 3332.1 12 3684 |
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| discipline | Wirtschaftswissenschaften |
| format | Book |
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| institution | BVB |
| isbn | 1555201717 |
| language | English |
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| physical | XV, 283 S. |
| publishDate | 1990 |
| publishDateSearch | 1990 |
| publishDateSort | 1990 |
| publisher | Bankers Publ. Co. |
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| spelling | Austin, Douglas V. Verfasser aut Strategic planning for banks meeting the challenges of the 1990s Douglas V. Austin ; Paul L. Simoff Rolling Meadows, Ill. Bankers Publ. Co. 1990 XV, 283 S. txt rdacontent n rdamedia nc rdacarrier Bank Bank management United States Banks and banking United States Strategic planning United States Bank (DE-588)4004436-1 gnd rswk-swf Strategisches Management (DE-588)4124261-0 gnd rswk-swf USA USA (DE-588)4078704-7 gnd rswk-swf USA (DE-588)4078704-7 g Bank (DE-588)4004436-1 s Strategisches Management (DE-588)4124261-0 s DE-604 Simoff, Paul L. Verfasser aut HBZ Datenaustausch application/pdf http://bvbr.bib-bvb.de:8991/F?func=service&doc_library=BVB01&local_base=BVB01&doc_number=002800051&sequence=000002&line_number=0001&func_code=DB_RECORDS&service_type=MEDIA Inhaltsverzeichnis |
| spellingShingle | Austin, Douglas V. Simoff, Paul L. Strategic planning for banks meeting the challenges of the 1990s Bank Bank management United States Banks and banking United States Strategic planning United States Bank (DE-588)4004436-1 gnd Strategisches Management (DE-588)4124261-0 gnd |
| subject_GND | (DE-588)4004436-1 (DE-588)4124261-0 (DE-588)4078704-7 |
| title | Strategic planning for banks meeting the challenges of the 1990s |
| title_auth | Strategic planning for banks meeting the challenges of the 1990s |
| title_exact_search | Strategic planning for banks meeting the challenges of the 1990s |
| title_full | Strategic planning for banks meeting the challenges of the 1990s Douglas V. Austin ; Paul L. Simoff |
| title_fullStr | Strategic planning for banks meeting the challenges of the 1990s Douglas V. Austin ; Paul L. Simoff |
| title_full_unstemmed | Strategic planning for banks meeting the challenges of the 1990s Douglas V. Austin ; Paul L. Simoff |
| title_short | Strategic planning for banks |
| title_sort | strategic planning for banks meeting the challenges of the 1990s |
| title_sub | meeting the challenges of the 1990s |
| topic | Bank Bank management United States Banks and banking United States Strategic planning United States Bank (DE-588)4004436-1 gnd Strategisches Management (DE-588)4124261-0 gnd |
| topic_facet | Bank Bank management United States Banks and banking United States Strategic planning United States Strategisches Management USA |
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