Naomi Snyder, editor-in-chief at Bank Director
The banking industry is drowning in liquidity. Deposits stuffed into the nation’s banking vaults are overflowing—a record $9.5 trillion as of the fourth quarter. Normally, this would be a good thing. It just so happens that retail banking has rarely been this unprofitable. Banking has been hit with the oxymoron of this age: lots of deposits but little way to make use of them. Few consumers or businesses are clamoring for loans, and interest rates are so low that there is little money to be made in lending. Net interest margins, the profit margin for the banking industry’s basic function...
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Editor-in-Chief Naomi Snyder is in charge of the editorial coverage at Bank Director. She oversees the magazine and the editorial team’s efforts on the Bank Director website, newsletter and special projects. She has more than two decades of experience in business journalism and spent 15 years as a newspaper reporter. She has a master’s degree in journalism from the University of Illinois and a bachelor’s degree from the University of Michigan. You can contact Naomi at [email protected].