SME banking: a specialist bank or integrated service within a retail/commercial bank?

Chartered Management Institute

I have attended the Africa SME Banking Conference in Johannesburg in early May, organised by the International Finance Corporation (IFC) – part of the World Bank. Having heard several presentations and held few discussions over those 3 days I am under impression that the SME banking model needs a specialist bank rather than an all-purpose one which can apply different risk tolerance and underwriting processes compared to those used in traditional banking risk management model.

Voice of Experience: Jennifer Fitzgibbon (RBS Global Banking & Markets)

First Friday Book Synopsis

Here is an excerpt from a profile of Jennifer Fitzgibbon (Managing Director, Treasurer, Americas, RBS Global Banking & Markets) written by Melissa J. Bob's blog entries Global Banking & Markets Jennifer Fitzgibbon Melissa J. Anderson (New York City) for The Glass Hammer, an online community designed for women executives in financial services, law and business. Visit us daily to discover issues that matter, share experiences, and [.].

Trending Sources

Voice of Experience: Stephanie Ruhle (Deutsche Bank)

First Friday Book Synopsis

Here is an excerpt from a profile of Stephanie Ruhle (Managing Director, Reationship Management, Deuts he Bank)written by Melissa J. Bob's blog entries Corporate & Investment Bank (CIB) Credit Suisse Deutsche Bank Deutsche Bank’s Global Markets Women’s Network Deutsche Bank’s Women on Wall Street (WOWS) Melissa J. Anderson (New York City) for The Glass Hammer, an online community designed for women executives in financial services, law and business.

Voice of Experience: Deborah Kaye (Bank of New York Mellon)

First Friday Book Synopsis

Here is an excerpt from a profile of Deborah Kaye (Managing Director and Senior Managing Counsel, Bank of New York Mellon) written by Melissa J. Anderson SIFMA the Financial Women’s Association The Professional Services Liaison Committee Voice of Experience: Deborah Kaye (Bank of New York Mellon Anderson (New York City) for The Glass Hammer, an online community designed for women executives in financial services, law and business.

Voice of Experience: Alison Rose (Royal Bank of Scotland)

First Friday Book Synopsis

Here is an excerpt from a profile of Alison Rose (Head of Cofrporate Coverage and Client Management, EMEA, Global Banking & Markets, Royal Bank of Scotland) written by Melissa J. Bob's blog entries A Career in Investment Banking Alison Rose Diversity in Investment Banking Melissa J. Anderson Royal Bank of Scotland The Glass Hammer

Where is Amadeo Giannini when we need him most?

First Friday Book Synopsis

In 1904, Amadeo Giannini founded the Bank of Italy in San Francisco to provide personal as well as professional services to those such as recent immigrants who had been denied service from other banks. When the 1906 earthquake struck, Giannini removed all deposits from the bank building and away from the fires.

35 Under 35: Stephanie Niven (Javelin Capital)

First Friday Book Synopsis

Bob's blog entries 35 Under 35: Stephanie Niven Cleo Thompson From Water Polo to Emerging Markets Global Active Equity Team Goldman Sachs established Javelin Capital in 2009 Javelin Capital Management Today’s 35 Women Under 35 Marion King Oxford University The Gender Blog The Glass Hammer the importance of sponsorship Victor Pina VocaLink Young Professional of the Year at the Women in Banking and Finance (WIBF) 2011 Awards

The Art of Giving and Getting Help – Part 2

Rajesh Setty

Build your emotional bank account: Everyone knows about the power of reciprocation but rarely do people use it wisely. You are building your emotional bank account by giving. You may be able to withdraw from this bank account at a later date.

The Higher Purpose of Leadership (Now, More Than Ever)

Terry Starbucker

I visited the US Post Office today to put a few things in the mail, and as I left, I scanned the large bank of national and local newspaper boxes near the front door.

Five Ways to Fail at Design

First Friday Book Synopsis

Bob's blog entries Apple Bloomberg Businessweek Design outside of your innovation space Five Ways to Fail at Design Harvard Business Review blog HBR email alerts OXO Refuse to change any other part of your business Sohrab Vossoughi Try to design for everybody Umpqua Bank Virgin Atlantic and Netflix World Economic Forum Ziba DesignHere is an excerpt from an article written by Sohrab Vossoughi for the Harvard Business Review blog.

Is Social Media an Excuse for Brand Positioning Laziness? | In the.

In the CEO Afterlife

by John • September 19, 2011 • Branding , Marketing , Strategy • 2 Comments. Other than a casual Facebook page with a couple of dozen friends, I knew little of social media until I discovered Twitter in February, 2011. October 2, 2011 at 5:54 am. December 2011.

Media 49

BUSINESS SENSE: Is It time for rates to go UP? The case that makes sense

ReThink HR

Thomas Hoenig , President of the Federal Reserve Bank of Kansas City , argues a sensible case for the increase in rates in an interview with NPR. Business Impact Politics Federal Reserve Bank NPR Return on Investment Thomas Hoenig unemployment

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7 Ways to Sleep Soundly each Night

Ron Edmondson

Dealing with employees, cash flow, banks and trying to increase sales made for many sleepless nights. If you lie down, you will not be afraid; when you lie down, your sleep will be sweet. Proverbs 3:24. Years ago when we were in business, Cheryl and I went through a difficult period in life.

The 2011 Global Top 25 Companies for Leaders

Great Leadership By Dan

7.ICICI Bank Limited. Last month Aon Hewitt, The RBL Group and Fortune announced their Global Top Companies for Leaders list. It's been two years since the last list, not to be confused with the competing " Best Companies for Leaders " list sponsored by Businessweek and Hay Group. I like to look below the hood of these rankings, to see if there's anything new to learn when it comes to leadership development. Sometimes I'll even call the person in charge of talent management.

Holding Powerful & Arrogant Bosses Accountable

Coaching Tip

Winston, a former executive responsible for leadership development at the Countrywide Financial Corporation, spent three years in a legal battle against Countrywide, the once-mighty mortgage giant, and its current owner, Bank of America, contending that he was punished and pushed out for not toeing the company line. Asked about the trial, Mr. Usher said the witnesses for Countrywide and Bank of America were unpersuasive. When Bank of America took over in 2008, Winston was let go.

Peer-to-Peer Small Business Loans Beat the Big Banks On Just About Every Count (& Not Just Because They’re The Only Ones Doing Any Real Lending).

Women on Business

There’s no question that the big banks & Wall Street are under Congressional and regulatory siege (or is it the other way around?). The reason, of course, is that if Washington is going to bailout the too-big-to-fail banks, then Washington needs to show everyone, from the “Occupy Wall Streeters” to the Tea Partiers, that it’s going to be calling the shots, all the way down Wall Street, to keep the bankers in line to prevent another financial fiasco. Guest post by Dan Azeroual.

Are You a Leader or Manager?

Ron Edmondson

In the book “Reviewing Leadership”, the authors Banks and Ledbetter write, “Leadership and management are two distinct yet related systems of action….They Are you a leader or a manager?

Transforming Perceptions: 10 Steps to Managing the Way You Are Perceived at Work

Great Leadership By Dan

having worked with many of the world's leading companies, including Oracle, Google, Amazon, Deloitte, Ritz-Carlton, Gap, Bank of America and Starbucks. Here's a guest post from executive coach Joel Garfinkle, from his new book, Getting Ahead: Success at work starts with positive perceptions.

The Happiness Advantage: Escaping the Cult of the Average

Strategy Driven

When the global economy collapsed in 2008, Shawn was immediately called in as an expert by the world’s largest banks to help restart forward progress.

Fintech Companies Could Give Billions of People More Banking Options

Harvard Business Review

Much has been made of the fact that a new breed of financial technology (or fintech) companies is unbundling banks in the developed world. Startups are attacking all of the components of the traditional bank value proposition (e.g., Over the past five to six years there has been a rush of capital and talent into startups; investment in them has grown nearly eightfold since 2011. Sidian Bank in Kenya has a similar program.

Paths to Power: A book review by Bob Morris

First Friday Book Synopsis

Singleton Mabel Newcomer National City Bank Nitin Nohria Paths to Power: How Insiders and Outsiders Shaped American Business Leadership Sanford ("Sandy") Weill Stewart H. Paths to Power: How Insiders and Outsiders Shaped American Business Leadership Anthony J. Mayo, Nitin Nohria, and Laura G.

Blog 16

Women Entrepreneurs, Funding, and the Economy

Women on Business

Twenty five years ago it was rare to see a business owned solely by a women, banks would not lend to women unless they had a husband, father, brother, or other male cosigner with them. Today banks and society have come a long way, but the economy is killing everyone and women are fighting to keep or acquire their funding. Banks recognize the ability for these businesses to create jobs and stimulate the economy.

Mavericks at Work: A book review by Bob Morris

First Friday Book Synopsis

Mavericks at Work: Why the Most Original Minds in Business Win William C. Taylor and Polly G. Labarre Harper Paperbacks (2008) How an organization can prosper in a “hypercompetitive marketplace” As William C. Taylor and Polly LaBarre explain in this book, Samuel Augustus Maverick (1803-70) was a wealthy land speculator in southwest Texas who cared [.].

Blog 16

The Empire of Debt

Chris Brady

and a Winner Announced | Main | The Ass Carrying the Image » February 04, 2011 The Empire of Debt We are taught that the United States is a Democracy, when it was actually founded as a Republic. Posted by: Tony Hendricks | February 09, 2011 at 10:20 AM Chris, Thanks again.

An Inspiring View from the C-Suite with Wayne Bossert, Royal Bank of Canada

Roundtable Talk

Th is week, our members had the wonderful opportunity to sit down with Wayne Bossert, EVP Sales, RBC Canadian Banking and President & CEO, Royal Mutual Funds Inc., Filed under: Change Management , Leadership , results Tagged: leadership lessons learned , RBC Canadian Banking , Royal Mutual Funds , The Executive Roundtable , Wayne Bossert.

Front Line Leadership: The Keys To Managing Millenials, Part 1

Terry Starbucker

This is in sharp contrast to those of a generation ago- teacher, banking/finance and medicine. (Terry’s Note: Hi all – Today I’m introducing a new series of posts, written by guest writer Adam Tenenbaum , called Front Line Leadership.

The End of Banks as We Know Them?

Harvard Business Review

Last week my father received a phone call from the branch director of his long-standing bank to offer him a new product. Millions of people have lost confidence in banks. But the dissatisfaction and disappointment with our banks runs deeper. The last bank in my hometown closed a year ago. Another casualty of cost cutting, it simply closed its doors — even though local people and businesses that had used that bank all their lives still relied upon it.

M&A Without Buying the Company

N2Growth Blog

Whether you purchase equipment directly from the owner, via auction, from a bank, receiver, trustee or other custodian, you can add significant value to your business through the intelligent purchase of equipment. By Mike Myatt , Chief Strategy Officer, N2growth.

The Wasting of Your Life

Chris Brady

» January 02, 2011 The Wasting of Your Life There seems to be no limit to the number of varying interpretations of how one is to view the concept of "wealth." It's already 2011. Posted by: raymond lenardson | January 03, 2011 at 09:10 AM Chris What a great message.

Voice of Experience: Natalie Horton (Deutsche Bank)

First Friday Book Synopsis

Here is an excerpt from a profile of Natalie Horton (Head of Synthetic Equity Trading for North America, Deutsche Bank) written by Melissa J. Bob's blog entries Advice for Women in Trading American Stock Exchange and the New York Cotton Exchange Deutsche Bank Encouraging Role Models Melissa J. Anderson (New York City) for The Glass Hammer, an online community designed for women executives in financial services, law and business.

Rising Above the Stage Show

Chris Brady

What really occurred was a financial commodities bubble caused by a complicated set of games-playing in the commodities markets by banks operating with secret and unfair federal exemptions to bring investment money into a place it was never supposed to be. 

A Flexible Schedule is not always an Open Schedule

Ron Edmondson

Even families can be guilty of this… You’re schedule is flexible, so can you go to the bank? How is having a flexible schedule like owning a truck?

Give your bonus to your team to boost morale

Chartered Management Institute

Since the banking industry imploded atop a mountain of dodgy debt the issue of how pay motivates people has been increasingly popular. & Dan Pink famously added his thoughts on the matter in a talk, which was subsequently animated by the RSA. You are not watching this post, click to start watching

Book Review: Undercover Boss

Chartered Management Institute

Reviewed by Professor Bruce Lloyd, London South Bank University, FCMI. This readable and fascinating book shares reflections on the experience together with lessons learned. You are not watching this post, click to start watching

America’s Most Productive Companies 2011

First Friday Book Synopsis

Bob's blog entries Alleghany Company America's Most Productive Companies 2011 AmSurg Company assessment solutions Colgate-Palmolive Company Columbia Sportswear Company ConocoPhillips Cummins Inc. Chang's China Bistro pre-screening Profiles International select the right people and develop them to their full potential SunTrust Banks Inc

That’s Not What I Ordered

The Leadership Advisor

I went to the bank and got ten crisp $100 bills. A number of years ago, my sister was focused on a certain project and she was a little short on the money to make it all happen. I decided to give her $1000 for Christmas that year to help push her a little closer to her goal.

Business Complexity has Grown Significantly Since the Financial Crisis

Strategy Driven

The complexity challenge: how businesses are bearing up is an Economist Intelligence Unit (EIU) report commissioned by the Royal Bank of Scotland. New research confirms the financial crisis has significantly exacerbated business complexity.

Entrepreneurship: Transforming Nothing into Something

Coaching Tip

By Scott Adams, the creator of " Dilbert ," abstracted from How to Get a Real Education in The Wall Street Journal, April 9, 2011. I failed at my first career in banking. He told me to figure out where the most innovation in banking was happening and to move there.

Capital vs. Influence

N2Growth Blog

By Mike Myatt , Chief Strategy Officer, N2growth . I have watched entrepreneurs and executives initially trivialize the value of influence in a capital transaction, only to regret it down the road.

Interview with Sarah Piampiano: From Investment Banker to Professional Triathlete

The Idolbuster

I continued to race as an amateur for all of 2010 and 2011, but at the end of 2011 I quit my job and began competing professionally full-time. I remember when I was working in banking and had just become serious about triathlon. Sarah Piampiano: Living Life Her Way.