Efficient and effective utilization of resources are key objectives of UK banks. Financial institutions adopt a view that remaining efficient is important when trying to remain competitive, a number of statistical studies show that the most efficient banks have substantial cost and competitive advantages over those with average or below average efficiency. Banks obsess over…

It has been more than six years since the collapse of Lehman Brothers, which brought the financial system to its knees and forced the big banks in the US and Europe to turn to their governments for help. Management has been focused on ‘fixing the bank’ and on meeting regulatory demands, such as rebuilding capital…

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