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...Seeing an improvement is not the same as things being completely copasetic," says Anthony Chan, an economist at JPMorgan's private bank. "The credit crunch is still alive...

Author: /time Magazine | Title: Bank Earnings: Economic Woes Persist | 1/20/2010 | See Source »

This week the largest financial firms in the nation have been reporting how they did in the last three months of 2009. In two words: not good. Citigroup and Bank of America lost roughly $8 billion and $5 billion, respectively. The credit-card and mortgage businesses of JPMorgan Chase, which reported their earnings last week, were a disappointment. Wells Fargo posted a profit, but nonperforming loans and related charge-offs both jumped. Morgan Stanley turned a profit in the fourth quarter, but it was less than what analysts expected. Even earnings growth at Wall Street powerhouse Goldman Sachs somewhat slowed...

Author: /time Magazine | Title: Bank Earnings: Economic Woes Persist | 1/20/2010 | See Source »

...that banks would be hurting at this part of the recovery cycle. People and companies continue to fall behind on their debt obligations long after the economy turns. While the banks' lending operations still look weak, the volume of bad loans at many of the banks, including Citigroup and JPMorgan, are piling up slower than in the past...

Author: /time Magazine | Title: Bank Earnings: Economic Woes Persist | 1/20/2010 | See Source »

...playbook - and highlights the second key to the company's incredible success: software. First step, in goes Santander's proprietary Parthenon software, which organizes a bank's business by customer instead of by product line, as had been the case at Abbey. "This is the kind of sophisticated information JPMorgan still didn't have, and I saw it at a Santander branch in Chile," says Davide Serra, head of the U.K.'s Algebris hedge fund. The system facilitates cross-selling to existing customers while allowing Santander to cut back-office staff drastically (Santander never cuts the flesh pressers out front...

Author: /time Magazine | Title: Santander: The Most Boring Bank in the World | 1/18/2010 | See Source »

...Even Jamie Dimon, CEO of JPMorgan Chase, who has seemed to be more open to new regulations, sought to deflect attention away from lax regulation as the sole cause of the crisis. "I want to be clear that I do not blame the regulators," Dimon testified. "The responsibility for the company's actions rest with the company's management...

Author: /time Magazine | Title: Bank CEOs Continue to Fight Financial Reform | 1/14/2010 | See Source »

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