Being There: Preparing for the Future

  • Joseph A. DiVanna


Conventional wisdom has perceived that cheap retail deposits were a structural phenomenon rather than something which had to be actively competed for on the basis of price. Structural solutions (i.e. making the branch network more efficient or improving the quality of product designs) are bound to predominate in an environment where the nature of the balance sheet is so complex, not only in the broad categories of funding and lending maturities, but also by the type of sources of funds and borrowers; and where the balance sheet structure is made more complex by processes of irrational pricing, cross-subsidization across generic product types and business sectors.1


Business Process Severe Acute Respiratory Syndrome Customer Relationship Severe Acute Respiratory Syndrome Customer Behaviour 
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Copyright information

© Joseph A. DiVanna 2004

Authors and Affiliations

  • Joseph A. DiVanna

There are no affiliations available

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