{ "item_title" : "Strategic Risk and Opportunity in Mid-Tier Banks", "item_author" : [" Tony Hicks "], "item_description" : "This book explores how mid-tier banks can navigate an increasingly complex financial landscape by treating risk management as a strategic advantage rather than simply a regulatory obligation. It explains how institutions can balance growth with resilience while responding to evolving customer expectations, technological disruption, cybersecurity threats, regulatory change, and intensifying competition from both traditional banks and fintech firms. Throughout the book, strategic decision-making is presented as a continuous process that integrates governance, innovation, capital planning, and long-term vision into a unified framework for sustainable success.Beyond traditional banking risks such as credit, liquidity, and capital management, the book examines the broader strategic issues shaping the future of financial institutions. Topics include digital transformation, artificial intelligence, enterprise risk management, customer experience, ESG considerations, mergers and acquisitions, operational resilience, scenario planning, and leadership during periods of uncertainty. Each chapter combines practical frameworks with strategic insights to help executives, directors, risk professionals, and regulators make informed decisions that strengthen both profitability and institutional resilience.Ultimately, the book argues that the most successful mid-tier banks will be those that anticipate change instead of reacting to it. By fostering strong governance, investing wisely in technology and talent, maintaining disciplined risk oversight, and embracing innovation responsibly, financial institutions can transform uncertainty into competitive advantage. Rather than viewing risk solely as something to minimize, the book presents it as an essential component of long-term strategy that enables banks to adapt, grow, and create lasting value for shareholders, customers, employees, regulators, and the communities they serve.", "item_img_path" : "https://covers3.booksamillion.com/covers/bam/9/79/818/517/9798185172902_b.jpg", "price_data" : { "retail_price" : "13.99", "online_price" : "13.99", "our_price" : "13.99", "club_price" : "13.99", "savings_pct" : "0", "savings_amt" : "0.00", "club_savings_pct" : "0", "club_savings_amt" : "0.00", "discount_pct" : "10", "store_price" : "" } }

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