The financial services industry is at a crossroads. The need for fundamental change and visionary leadership has never been greater. Driven by the need for improved marketplace and financial competitiveness, the performance challenges now facing bankers have never been more daunting. BottomLine Banking unveils the new paradigm of banking and uncovers and tackles the pivotal changes that lie ahead. It includes a framework for examining critical issues arising within the banking industry, and the specific strategies that bankers must use to enhance their performance and profitability. Concepts presented Shareholder value as the key barometer for charting success; Management of credit risk to maximize risk-adjusted returns; Changing the traditional corporate culture of banks to enhance future performance; Why management that embraces change embraces the future.