Article: Retrenched Marine Midland builds globally, acts locally. (Marine Midland Banks Inc.) (Management Strategies)

FROM THEIR headquarters on the shore of Lake Erie, top executives at Buffalo's Marine Midland Banks Inc. spent a good part of the 1980s dreaming of how they could soon join the ranks of money-center banks clustered downstate.

But huge losses in 1990 and 1991 totaling almost $500 million, along with nearly $2 billion in loan chargeoffs between 1988 and 1991, instead forced Marine to trim its sails, shedding assets and employees to concentrate on a handful of businesses.

The bank's management and operations have also been tethered more closely to those of its corporate parent, HSBC Holdings PLC. The London-based holding company, with nearly $260 billion in ...

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