November/December 2002
Volume LXXVIII Number VI
Published by BAI
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Plug 'n Play?
by John R. Engen — State Farm's push to sell bank products through its insurance distribution system depends on motivated agents.

Credit Crescendo
by Jack Milligan — The indirect auto lending business has revived amid record vehicle sales. Will credit discipline hold up?

Rolling Out Choices
by Bill Stoneman — To retain high-net-worth clients, banks need to offer a wider range of non-proprietary products.

E-Profitability: A Mirage?
by Bill Stoneman — Banks increasingly cite customer relationships to justify online operations, but the search for fee income needs to continue.

Publisher's Perspective
Criteria for Convergence
by Thomas P. Johnson Jr. — Continuing struggles with convergence are less of a comment on the principle than its execution.

Technology & Information
Intranet Upgrade
by Warren Lutz — Corporate intranets can cut costs and improve employee communications, but at a price.

Trends & Statistics
3Q02 Performance Review
How did the top 50 banks perform in 2002's third quarter? Our report is based on data from SNL Financial LC, Charlottesville, Va.

Closing Thoughts
The Second Wave
by Steve Klinkerman — As the recession's aftershocks continue, it's natural to hope for a ripple — but smart to plan for a Tsunami.

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