Over the past two decades, Pennsylvania-based F.N.B. Corporation has grown its assets from roughly $5.4 billion to $50 billion, grown its net operating income by a similar ratio and more than doubled its retail footprint. On the latest episode of the ABA Banking Journal Podcast — presented by Nexcess — Chairman, President and CEO Vincent Delie discusses his approach to growing the franchise and how F.N.B. is investing in its employees' capabilities.

Among other topics, Delie discusses:

• F.N.B.'s balance of organic growth and M&A and the role of culture in this growth.
• The bank's strategy of hiring data scientists to help the company break down silos and better target customers' needs.
• F.N.B.'s "e-store" concept and how it supports the bank's "clicks to bricks" retail strategy.
• The role of AI in recommending tailored products and providing holistic financial wellness advice, as well as strengthening bank credit and anti-fraud functions.

This episode is presented by Nexcess:

On the latest episode of the ABA Banking Journal Podcast — a crossover episode with the ABA Fraudcast — ABA's Rob Nichols and Paul Benda provide several updates on ABA's work to reduce the incidence and cost of fraud for bank customers. Among other topics, they highlight:

• Their recent participation in the United Nations and Interpol Global Fraud Summit. "O

Several factors — the growth of the U.S. economy and asset prices, generational transitions and changing values — are reshaping the wealth management and financial advice sectors. More individuals and families are falling into the high-net-worth (investable assets of over $3 million) and ultra-high-net-worth (assets of over $30 million) than ever before. How are banks positioned to capitalize on this evolving marketplace? On the latest episode of the ABA Banking Journal Podcast, ABA's Mark Benskin — a veteran of the wealth management sector with experience at several banks — discusses:

• The structural shift in the wealth management business, including the rise of Registered Investment Advisors that serve HNW and UNHW clients.
• The mix of services — estate planning, tax planning, asset protection and charitable planning — that clients are seeking from their advisors.
• Evolving revenue models for wealth management and the pursuit of scale.
• The strategic question for banks of building versus "renting" infrastructure.
• How banks are positioned to break down institutional silos that hinder full-service client engagement.

• Learn more about the ABA Wealth and Trust Schools.