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Rolling up the Sleeves for 2013

The slow recovery will force banks to deal with branch overcapacity and changing business models — and hunt more aggressively and intelligently for revenue growth. 2012 marked a significant earnings recovery for U.S. banks, driven largely by continuing improvement of credit quality, but also by putting un-lent deposits to work in securities portfolios; recovering loan growth in some non-real estate categories; and cost cuts. Amazingly, considering the travails of the recession, the industry booked $141 ...

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