Within the world of banking, customer's needs have not changed, nor has the basic nature of the banking services they require. However, the way banks meet these needs, and the framework within which they are delivered, have altered beyond recognition in the last twenty years alone. Banks have had to adapt to a host of new phenomena ranging from regulatory issues, risk management and new technology to globalization, consolidation and branding. The Future of Banking presents the opinions and predictions of the chief operators within the banking industry; the people dealing with these phenomena, and leading change. At a time when the financial environment has never been more volatile this book offers invaluable insight and interpretation from the most knowledgeable people in the business. It features interviews with each of these practitioners, and provides an analytical summary of the current and future trends and concerns highlighted by them. Major players interviewed for this title include: Sir John Bond, Chairman, HSB Holdings Marshall Carter, Chairman & CEO, State Street Corp.Angel Corcostegui, CEO, Banco Santander Central Hispano Andrew Crockett, Managing Director, BIS Richard Grasso, Chairman, New York Stock Exchange (NYSE) William B. Harrison Jr., Chairman, Chase Manhatten Corporation David Komansky, CEO and Chairman, Merrill Lynch & Co. Inc. David Li, Chairman, Bank of East Asia Ltd William McDonough, President, New York Federal Reserve Hank Paulson, CEO, Goldman Sachs Sir Brian Pitman, Chairman, Lloyds TSB Allesandro Profumo, CEO, UniCredito Italiano Carlo Salvatori, CEO, Banca Intesa Katsuyuki Sugita, President & CEO, Dai-Ichi Kangyo Dr Henning Schulte-Noelle, Chief Executive, Allianz Ernst Welteke, President, Bundesbank Frank Zarb, Chairman, NASD