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	<title>Retail Banking Strategies</title>
	<link>http://ppcgroup.com/wordpress</link>
	<description>News and Viewpoints for Retail and Community Banks</description>
	<pubDate>Mon, 11 Aug 2008 16:36:27 +0000</pubDate>
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	<language>en</language>
			<item>
		<title>Grow Deposits By Going Green?</title>
		<link>http://ppcgroup.com/wordpress/2008/08/11/grow-deposits-by-going-green/</link>
		<comments>http://ppcgroup.com/wordpress/2008/08/11/grow-deposits-by-going-green/#comments</comments>
		<pubDate>Mon, 11 Aug 2008 16:36:27 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
		
	<category>Deposit Products</category>
		<guid isPermaLink="false">http://ppcgroup.com/wordpress/2008/08/11/grow-deposits-by-going-green/</guid>
		<description><![CDATA[In a competitive market, the perception that a company is socially responsible can be a major point of differentiation. We’re used to seeing “green” ads from car companies and Wal-Mart, or from financial institutions touting their new environmentally friendly buildings. But some banks in Japan have even found a novel way to use environmental protection [...]]]></description>
		<wfw:commentRSS>http://ppcgroup.com/wordpress/2008/08/11/grow-deposits-by-going-green/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Why I Hate Mission Statements</title>
		<link>http://ppcgroup.com/wordpress/2008/08/04/why-i-hate-mission-statements/</link>
		<comments>http://ppcgroup.com/wordpress/2008/08/04/why-i-hate-mission-statements/#comments</comments>
		<pubDate>Tue, 05 Aug 2008 00:37:28 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
		
	<category>Strategic Planning</category>
		<guid isPermaLink="false">http://ppcgroup.com/wordpress/2008/08/04/why-i-hate-mission-statements/</guid>
		<description><![CDATA[Actually, I don’t dislike mission statements; it’s just that so many of them are meaningless,  high sounding words that don’t give a clue to what the organization is really about. “Provide superior return for our stakeholders” &#8212; What does that mean? Better ROA than average? Top quartile performance? Better stock performance than peers? Which stakeholders [...]]]></description>
		<wfw:commentRSS>http://ppcgroup.com/wordpress/2008/08/04/why-i-hate-mission-statements/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>How to Improve Strategic Planning</title>
		<link>http://ppcgroup.com/wordpress/2008/08/03/how-to-improve-strategic-planning/</link>
		<comments>http://ppcgroup.com/wordpress/2008/08/03/how-to-improve-strategic-planning/#comments</comments>
		<pubDate>Mon, 04 Aug 2008 03:16:11 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
		
	<category>Strategic Planning</category>
		<guid isPermaLink="false">http://ppcgroup.com/wordpress/2008/08/03/how-to-improve-strategic-planning/</guid>
		<description><![CDATA[Almost all companies undertake a time-consuming strategic planning process, but in survey after survey, more than half of respondents believe their company&#8217;s approach could be improved. Most indicate they are satisfied that their plans accurately describe the current situation and challenges. The most frequent complaint: too much time spent on where we are now; too [...]]]></description>
		<wfw:commentRSS>http://ppcgroup.com/wordpress/2008/08/03/how-to-improve-strategic-planning/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>New Opportunities to Compete In Auto Finance</title>
		<link>http://ppcgroup.com/wordpress/2008/07/30/new-opportunities-to-compete-in-auto-finance/</link>
		<comments>http://ppcgroup.com/wordpress/2008/07/30/new-opportunities-to-compete-in-auto-finance/#comments</comments>
		<pubDate>Wed, 30 Jul 2008 19:13:46 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
		
	<category>Lending</category>
		<guid isPermaLink="false">http://ppcgroup.com/wordpress/2008/07/30/new-opportunities-to-compete-in-auto-finance/</guid>
		<description><![CDATA[Chrysler and Ford announced they are exiting the auto leasing business. Some are gloating that the automaker’s captive finance companies are finally getting their comeuppance &#8212; The End of the Auto Financing Scam – and while we agree this may open opportunities for banks to re-enter a more rational marketplace, there are signs that the [...]]]></description>
		<wfw:commentRSS>http://ppcgroup.com/wordpress/2008/07/30/new-opportunities-to-compete-in-auto-finance/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>The Hunt for the Victims</title>
		<link>http://ppcgroup.com/wordpress/2008/07/14/the-hunt-for-the-victims/</link>
		<comments>http://ppcgroup.com/wordpress/2008/07/14/the-hunt-for-the-victims/#comments</comments>
		<pubDate>Mon, 14 Jul 2008 17:09:07 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
		
	<category>Uncategorized</category>
		<guid isPermaLink="false">http://ppcgroup.com/wordpress/2008/07/14/the-hunt-for-the-victims/</guid>
		<description><![CDATA[More bank failures on the horizon? National City reported &#8220;We&#8217;re no IndyMac&#8221; as the bears circled.
Richard Bove, a well respected banking analyst, says there may not be many others at risk of failure. In the wake of IndyMac he reviewed the performance ratios of all banks with assets greater than $5 billion to assess the probability [...]]]></description>
		<wfw:commentRSS>http://ppcgroup.com/wordpress/2008/07/14/the-hunt-for-the-victims/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>IndyMac Failure &#8212; More to Come?</title>
		<link>http://ppcgroup.com/wordpress/2008/07/13/indymac-failure-more-to-come/</link>
		<comments>http://ppcgroup.com/wordpress/2008/07/13/indymac-failure-more-to-come/#comments</comments>
		<pubDate>Sun, 13 Jul 2008 21:03:41 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
		
	<category>Uncategorized</category>
		<guid isPermaLink="false">http://ppcgroup.com/wordpress/2008/07/13/indymac-failure-more-to-come/</guid>
		<description><![CDATA[According to the Wall Street Journal, &#8220;Banking regulators are bracing for a slew of failures over the next year.&#8221; Undoubtably that prediction will come true since bank failures have generally occured when there have been systemic problems in the economy. With further declines in housing values and continued softening of the economy, this is as &#8220;systemic&#8221; as it [...]]]></description>
		<wfw:commentRSS>http://ppcgroup.com/wordpress/2008/07/13/indymac-failure-more-to-come/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Deposit Fraud On The Rise?</title>
		<link>http://ppcgroup.com/wordpress/2008/07/08/deposit-fraud-on-the-rise/</link>
		<comments>http://ppcgroup.com/wordpress/2008/07/08/deposit-fraud-on-the-rise/#comments</comments>
		<pubDate>Wed, 09 Jul 2008 03:17:42 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
		
	<category>ATM and eCommerce</category>
	<category>Deposit Products</category>
		<guid isPermaLink="false">http://ppcgroup.com/wordpress/2008/07/08/deposit-fraud-on-the-rise/</guid>
		<description><![CDATA[I’m not talking about sophisticated schemes, it’s this simple: an employee takes a $10,000 check made out to General Motors Corp., scrawls a handwritten endorsement “GM” on the back, and then deposits it directly into their personal checking account.

“The teller will catch it”, you say. Well, would you believe 220 fraudulent deposits over 18 months? [...]]]></description>
		<wfw:commentRSS>http://ppcgroup.com/wordpress/2008/07/08/deposit-fraud-on-the-rise/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Not So Fast: The Problem With Starbucks Distribution Model</title>
		<link>http://ppcgroup.com/wordpress/2008/07/04/not-so-fast-the-problem-with-starbucks-distribution-model/</link>
		<comments>http://ppcgroup.com/wordpress/2008/07/04/not-so-fast-the-problem-with-starbucks-distribution-model/#comments</comments>
		<pubDate>Sat, 05 Jul 2008 04:41:49 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
		
	<category>Branch Distribution</category>
		<guid isPermaLink="false">http://ppcgroup.com/wordpress/2008/07/04/not-so-fast-the-problem-with-starbucks-distribution-model/</guid>
		<description><![CDATA[Starbucks is closing stores after years of aggressive growth. Will banks face the same fate?
Starbucks re-wrote the playbook on distribution strategy by looking beyond traditional demographics to highly detailed neighborhood-level information and street traffic flows to determine the best store locations. It worked like a charm for 15 years and set a new standard for [...]]]></description>
		<wfw:commentRSS>http://ppcgroup.com/wordpress/2008/07/04/not-so-fast-the-problem-with-starbucks-distribution-model/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Special Report on the Subprime Crisis</title>
		<link>http://ppcgroup.com/wordpress/2008/06/24/special-report-on-the-subprime-crisis/</link>
		<comments>http://ppcgroup.com/wordpress/2008/06/24/special-report-on-the-subprime-crisis/#comments</comments>
		<pubDate>Tue, 24 Jun 2008 12:52:48 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
		
	<category>Lending</category>
		<guid isPermaLink="false">http://ppcgroup.com/wordpress/2008/06/24/special-report-on-the-subprime-crisis/</guid>
		<description><![CDATA[The subprime crisis is threatening to plunge the US into its&#8217; first recession since 2001 &#8212; if it hasn&#8217;t already done so. The Wharton School at the University of Pennsylvania has done a great job of explaining the cascade of events, proposed remedies, and response of the Federal Reserve. This is well worth reading. See [...]]]></description>
		<wfw:commentRSS>http://ppcgroup.com/wordpress/2008/06/24/special-report-on-the-subprime-crisis/feed/</wfw:commentRSS>
		</item>
		<item>
		<title>Adventures in Mortgage Fraud</title>
		<link>http://ppcgroup.com/wordpress/2008/06/21/adventures-in-mortgage-fraud/</link>
		<comments>http://ppcgroup.com/wordpress/2008/06/21/adventures-in-mortgage-fraud/#comments</comments>
		<pubDate>Sun, 22 Jun 2008 04:15:21 +0000</pubDate>
		<dc:creator>dkerstein</dc:creator>
		
	<category>Lending</category>
		<guid isPermaLink="false">http://ppcgroup.com/wordpress/2008/06/21/adventures-in-mortgage-fraud/</guid>
		<description><![CDATA[The newspapers were full of news today about the US Attorney&#8217;s probe of mortgage fraud which led to the arrest of 400 people nationwide. A headline in the Chicago Tribune screamed &#8220;67 from Chicago area charged in U.S. Crackdown on mortgage fraud&#8221;. We played a small role in helping to bring down one of these rings. Here&#8217;s [...]]]></description>
		<wfw:commentRSS>http://ppcgroup.com/wordpress/2008/06/21/adventures-in-mortgage-fraud/feed/</wfw:commentRSS>
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